📊 TTEC Key Takeaways
Is TTEC Holdings, Inc. (TTEC) a Good Investment?
TTEC is a distressed company with accelerating operational losses, declining revenue, and severely depleted equity of only $112.9M against $1.5B in assets. While positive operating cash flow ($121.1M) provides temporary relief, the company cannot cover its interest obligations (-2.8x interest coverage) and shows no clear path to profitability with negative operating margins of -5.5%.
Why Buy TTEC Holdings, Inc. Stock? TTEC Key Strengths
- Positive operating cash flow of $121.1M and free cash flow of $83.0M despite accounting losses
- Adequate short-term liquidity with current ratio of 1.89x
- Net income loss improved 40.4% YoY, suggesting some stabilization in the decline
TTEC Stock Risks: TTEC Holdings, Inc. Investment Risks
- Revenue declining 3.2% YoY with no growth inflection visible
- Operating income -$117.1M and net income -$192.5M with negative margins across all profitability metrics
- Stockholders equity critically depleted at $112.9M (7.5% of total assets), leaving minimal equity cushion
- Return metrics catastrophically negative: ROE -170.5%, ROA -12.8%
- Negative interest coverage ratio of -2.8x indicates inability to service debt from operations
Key Metrics to Watch
- Revenue growth trend - must stabilize and inflect positive
- Operating margin improvement pathway - current -5.5% is unsustainable
- Stockholders equity trajectory - critically low at $112.9M relative to liabilities
- Operating cash flow sustainability - verify positive OCF is not driven by working capital timing
- Debt maturity schedule and refinancing risk given depleted equity base
TTEC Holdings, Inc. (TTEC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The relatively thin 3.9% FCF margin may limit capital allocation flexibility.
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 |
|---|---|---|---|
| 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 |
| Q2 2023 | $600.4M | $1.2M | $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
❓ Frequently Asked Questions about TTEC
What is the AI rating for TTEC?
TTEC Holdings, Inc. (TTEC) has an AI rating of STRONG SELL with 88% confidence, based on fundamental analysis of SEC EDGAR filings.
What are TTEC's key strengths?
Claude: Positive operating cash flow of $121.1M and free cash flow of $83.0M despite accounting losses. Adequate short-term liquidity with current ratio of 1.89x.
What are the risks of investing in TTEC?
Claude: Revenue declining 3.2% YoY with no growth inflection visible. Operating income -$117.1M and net income -$192.5M with negative margins across all profitability metrics.
What is TTEC's revenue and growth?
TTEC Holdings, Inc. reported revenue of $2.1B.
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 $-3.99.
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 rating reflects both perspectives for balanced insights.
Is TTEC a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, TTEC Holdings, Inc. has a STRONG SELL rating with 88% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is TTEC stock overvalued or undervalued?
Valuation metrics for TTEC: ROE of -170.5% (sector avg: 16%), net margin of -9.0% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.
Should I buy TTEC stock in 2026?
Our dual AI analysis gives TTEC Holdings, Inc. a combined STRONG SELL rating 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 $121.1M, with capital expenditures of $38.1M. FCF margin is 3.9%.
How does TTEC compare to other Services stocks?
Vs Services sector averages: Net margin -9.0% (avg: 10%), ROE -170.5% (avg: 16%), current ratio 1.89 (avg: 1.5).