TTEC Holdings (TTEC) AI Stock Analysis

• Market Cap: $187.40M
• Dividend Yield: N/A
• Average Volume (3M): 398.74K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.39
• Revenue Growth: -5.70%
• EPS Growth: 94.70%
• Country: US
• Employees: 50,000
• Sector: Technology
• Sector Strength: 88
• Industry: Information Technology Services
• EPS (TTM): 0.12
• Shares Outstanding: 48,549,667
• 10 Day Avg. Volume: 348,712
• 30 Day Avg. Volume: 398,742
• PEG Ratio: <0.01
• Price to Book (P/B): 0.95
• Price to Sales (P/S): 0.11
• P/FCF Ratio: -2.28
• Enterprise Value/Market Cap: 5.82
• Enterprise Value/Revenue: 0.51
• Enterprise Value/Gross Profit: 2.38
• Enterprise Value/Ebitda: 5.56
• 1Y Price Target: $5.00
• Price Target Upside: 29.53% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4
• EPS Forecast (FY): 1.08
• Revenue Forecast (FY): $2.08B

• Rating: 51 Neutral
• Price Target: $3.50 ▼(-9.33% Downside)

TTEC's overall stock score reflects significant financial challenges, including declining revenue and high leverage, which are partially offset by improvements in cash flow and strategic investments in AI. Technical analysis indicates a bearish trend, while valuation metrics highlight profitability concerns. Positive strides in debt reduction and client acquisition provide some optimism for future performance.

Positive Factors

Debt Reduction

Reducing net debt improves financial stability and reduces interest expenses, enhancing the company's ability to invest in growth opportunities.

Digital Segment Growth

Growth in the Digital segment indicates successful adaptation to market demand for digital solutions, positioning TTEC for future expansion in this area.

New Client Acquisitions

Acquiring new clients expands TTEC's customer base, providing potential for increased revenue and market share in the long term.

Negative Factors

Revenue Decline

A decline in revenue suggests challenges in maintaining market position and could impact profitability if not addressed.

Profitability Pressures

Decreasing profitability margins indicate cost pressures or inefficiencies, which could hinder future financial performance if persistent.

High Leverage

High leverage increases financial risk and limits flexibility, potentially impacting the company's ability to navigate economic downturns.

TTEC Holdings Business Overview & Revenue Model

Company Description

TTEC Holdings, Inc., a customer experience technology and services company, that designs, builds, orchestrates, and delivers digitally enabled customer experiences designed for various brands. It operates in two segments, TTEC Digital and TTEC Engage. The TTEC Digital segments designs, builds, and operates robust digital experiences for clients and their customers through the contextual integration and orchestration of customer relationship management, data, analytics, customer experience as a service technology, and intelligent automation to ensure customer experience (CX) outcomes. The TTEC Engage segment provides digitally enabled CX managed services; delivers omnichannel customer care, tech support, order fulfillment, customer acquisition, growth, and retention services; and delivers digitally enabled back office and industry specific specialty services, such as AI operations, content moderation, and fraud management services. It serves clients in the automotive, communication, financial services, government, healthcare, logistics, media and entertainment, e-tail/retail, technology, transportation, and travel industries with operations in the United States, Australia, Belgium, Brazil, Bulgaria, Canada, Costa Rica, Germany, Greece, India, Ireland, Mexico, the Netherlands, New Zealand, the Philippines, Poland, Singapore, South Africa, Thailand, and the United Kingdom. The company was formerly known as TeleTech Holdings, Inc. and changed its name to TTEC Holdings, Inc. in January 2018. TTEC Holdings, Inc. was founded in 1982 and is headquartered in Englewood, Colorado.

How the Company Makes Money

TTEC generates revenue through a diversified model that includes multiple key streams. The primary source of income comes from providing customer experience solutions, which encompass both technology and managed services. This includes fees for services rendered in customer support, sales, and technical assistance. Additionally, TTEC earns revenue from its digital solutions, which involve implementing advanced technologies like artificial intelligence and analytics for clients. The company also benefits from long-term contracts with major corporations, securing a steady revenue flow. Partnerships with technology providers and platforms enhance its service offerings, allowing TTEC to leverage new tools and expand its market reach, further contributing to its earnings.

TTEC Holdings Financial Statement Overview

Summary

TTEC's financial performance is challenged by declining revenue and profitability, high leverage, and negative returns on equity. Despite improvements in cash flow generation, the company's financial health is strained, necessitating strategic actions to enhance stability.

Income Statement

TTEC's income statement shows a concerning trend with declining revenue and profitability. The TTM data indicates a negative net profit margin of -0.84% and a significant revenue decline of 48%. The gross profit margin has also decreased over time, indicating challenges in maintaining cost efficiency. However, the company has managed to improve its EBIT and EBITDA margins compared to the previous year, suggesting some operational improvements.

Balance Sheet

The balance sheet reflects high leverage with a debt-to-equity ratio of 3.50 in the TTM period, indicating significant reliance on debt financing. The return on equity is negative, highlighting profitability challenges. The equity ratio is low, suggesting limited equity buffer against liabilities. These factors pose financial stability risks.

Cash Flow

Cash flow analysis reveals a strong recovery in free cash flow with a growth rate of 1479% in the TTM period, indicating improved cash generation capabilities. The operating cash flow to net income ratio is positive, reflecting better cash conversion. However, the high free cash flow to net income ratio suggests reliance on cash flow rather than profitability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.13B	2.21B	2.46B	2.44B	2.27B	1.95B
Gross Profit	457.99M	471.72M	529.94M	587.19M	568.95M	496.53M
EBITDA	196.14M	-54.25M	220.32M	301.21M	316.97M	266.62M
Net Income	-17.97M	-320.96M	8.43M	103.24M	140.97M	118.65M
Balance Sheet
Total Assets	1.68B	1.75B	2.19B	2.15B	2.00B	1.52B
Cash, Cash Equivalents and Short-Term Investments	73.51M	84.99M	172.75M	153.44M	158.21M	132.91M
Total Debt	983.51M	1.08B	1.13B	1.06B	899.88M	526.93M
Total Liabilities	1.40B	1.49B	1.57B	1.52B	1.40B	1.01B
Stockholders Equity	263.39M	250.25M	598.63M	559.91M	522.21M	444.70M
Cash Flow
Free Cash Flow	96.69M	-103.99M	76.93M	53.04M	190.94M	212.15M
Operating Cash Flow	117.42M	-58.82M	144.76M	137.05M	251.30M	271.92M
Investing Cash Flow	13.00M	477.00K	-67.58M	-226.20M	-541.98M	-112.43M
Financing Cash Flow	-154.10M	-38.30M	-68.23M	89.04M	319.64M	-112.23M

TTEC Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3.86
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TTEC, the sentiment is Positive. The current price of 3.86 is above the 20-day moving average (MA) of 3.31, above the 50-day MA of 3.35, and below the 200-day MA of 3.98, indicating a neutral trend. The MACD of 0.18 indicates Negative momentum. The RSI at 66.53 is Neutral, neither overbought nor oversold. The STOCH value of 89.46 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TTEC.

TTEC Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
G	78 Outperform	$8.24B	15.40	22.32%	1.42%	7.40%	-14.45%
WNS	77 Outperform	―	―	21.23%	―	1.94%	26.15%
DLB	74 Outperform	$6.40B	25.61	10.00%	2.00%	5.92%	-2.98%
EPAM	70 Neutral	$11.66B	31.99	10.21%	―	14.26%	-15.49%
CNXC	69 Neutral	$2.46B	8.35	7.08%	3.43%	3.40%	53.13%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
TTEC	51 Neutral	$187.40M	-10.38	-6.65%	―	-5.70%	94.70%

TTEC Holdings Corporate Events

TTEC Holdings Appoints New Chief Accounting Officer

On November 10, 2025, TTEC Holdings, Inc. announced the appointment of Carlos M. Dean as Group Vice President and Chief Accounting Officer. Mr. Dean, who has over 20 years of experience in accounting, previously served as TTEC’s Vice President and Global Controller and as a principal consultant with Terrapin Summit, LLC. The appointment is expected to enhance TTEC’s financial leadership, with Mr. Dean’s compensation package including a base salary, bonuses, and restricted stock units.