📊 TTEC Key Takeaways
Is TTEC Holdings, Inc. (TTEC) a Good Investment?
TTEC is currently unprofitable with declining revenue and critically low interest coverage of 0.4x, indicating severe inability to service debt from operations. While improving net loss trends and positive free cash flow provide near-term support, the combination of negative earnings, high leverage, and revenue contraction signals meaningful financial distress risk.
TTEC Holdings, Inc. Key Strengths (TTEC)
- Positive free cash flow of $21.1M and operating cash flow of $27.5M despite net losses
- Net loss improved 40.8% YoY, indicating operational trajectory improvement
- Strong short-term liquidity with 2.01x current ratio and $88.7M cash reserves
- Operating margin of 3.7% positive, showing core business segment has viability
TTEC Stock Risks: TTEC Holdings, Inc. Investment Risks
- Critical: Interest coverage ratio of 0.4x indicates company cannot service debt obligations from operating income
- Currently unprofitable with -$7.6M net income and -1.5% net margin despite $18.5M operating income
- Revenue declining 3.2% YoY in a challenging services market with uncertain recovery
- High leverage with $1.3B liabilities against $101.8M stockholders' equity base
Key Metrics to Watch
- Interest coverage ratio - must sustainably exceed 1.5x within 2-3 quarters
- Revenue inflection point - return to positive growth is critical
- Debt refinancing activity and maturity schedule - cash burn sustainability
- Quarterly path to GAAP profitability and positive net margins
TTEC Holdings, Inc. (TTEC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The relatively thin 4.3% FCF margin may limit capital allocation flexibility. Strong liquidity with a 2.01x current ratio provides a solid financial cushion.
TTEC Profit Margin, ROE & Profitability Analysis
TTEC vs Services Sector: How TTEC Holdings, Inc. Compares
How TTEC Holdings, Inc. compares to Services sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is TTEC Holdings, Inc. Stock Overvalued? TTEC Valuation Analysis 2026
Based on fundamental analysis, TTEC Holdings, Inc. has mixed fundamental signals relative to the Services sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
TTEC Holdings, Inc. Balance Sheet: TTEC Debt, Cash & Liquidity
TTEC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: TTEC Holdings, Inc.'s revenue has shown modest growth of 8% over the 5-year period. The most recent EPS of $0.18 reflects profitable operations.
TTEC Revenue Growth, EPS Growth & YoY Performance
TTEC Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $496.2M | $1.4M | $0.03 |
| Q3 2025 | $519.1M | -$13.4M | $-0.28 |
| Q2 2025 | $513.6M | -$6.6M | $-0.14 |
| Q1 2025 | $534.2M | $1.4M | $0.03 |
| Q3 2024 | $529.4M | -$1.5M | $-0.03 |
| Q2 2024 | $534.1M | $1.2M | $0.03 |
| Q1 2024 | $576.6M | -$2.3M | $-0.05 |
| Q3 2023 | $592.5M | -$1.5M | $-0.03 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
TTEC Holdings, Inc. Dividends, Buybacks & Capital Allocation
TTEC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for TTEC Holdings, Inc. (CIK: 0001013880)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| May 27, 2026 | 8-K | tm2615684d1_8k.htm | View → |
| May 26, 2026 | 4 | xslF345X06/form4-05262026_090555.xml | View → |
| May 26, 2026 | 4 | xslF345X06/form4-05262026_090513.xml | View → |
| May 26, 2026 | 4 | xslF345X06/form4-05262026_080504.xml | View → |
| May 26, 2026 | 4 | xslF345X06/form4-05262026_080518.xml | View → |
❓ Frequently Asked Questions about TTEC
What is the AI rating for TTEC?
TTEC Holdings, Inc. (TTEC) has an AI grade of C with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are TTEC's key strengths?
Claude: Positive free cash flow of $21.1M and operating cash flow of $27.5M despite net losses. Net loss improved 40.8% YoY, indicating operational trajectory improvement.
What are the risks of investing in TTEC?
Claude: Critical: Interest coverage ratio of 0.4x indicates company cannot service debt obligations from operating income. Currently unprofitable with -$7.6M net income and -1.5% net margin despite $18.5M operating income.
What is TTEC's revenue and growth?
TTEC Holdings, Inc. reported revenue of $496.2M.
Does TTEC pay dividends?
TTEC Holdings, Inc. does not currently pay dividends.
Where can I find TTEC SEC filings?
Official SEC filings for TTEC Holdings, Inc. (CIK: 0001013880) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is TTEC's EPS?
TTEC Holdings, Inc. has a diluted EPS of $-0.16.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is TTEC's fundamental grade?
Based on our AI fundamental analysis in June 2026, TTEC Holdings, Inc. has a C grade with 72% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is TTEC stock overvalued or undervalued?
Valuation metrics for TTEC: ROE of -7.5% (sector avg: 16%), net margin of -1.5% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.
What is TTEC's AI grade for 2026?
Our dual AI analysis gives TTEC Holdings, Inc. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is TTEC's free cash flow?
TTEC Holdings, Inc.'s operating cash flow is $27.5M, with capital expenditures of $6.4M. FCF margin is 4.3%.
How does TTEC compare to other Services stocks?
Vs Services sector averages: Net margin -1.5% (avg: 10%), ROE -7.5% (avg: 16%), current ratio 2.01 (avg: 1.5).