TTEC Holdings (TTEC) AI Stock Analysis

• Market Cap: $165.26M
• Dividend Yield: N/A
• Average Volume (3M): 284.55K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.36
• Revenue Growth: -8.21%
• EPS Growth: 91.83%
• Country: US
• Employees: 50,000
• Sector: Technology
• Sector Strength: 88
• Industry: Information Technology Services
• EPS (TTM): 0.22
• Shares Outstanding: 48,463,497
• 10 Day Avg. Volume: 189,031
• 30 Day Avg. Volume: 284,549
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 7.02
• Enterprise Value/Revenue: 0.54
• Enterprise Value/Gross Profit: 2.62
• Enterprise Value/Ebitda: 5.99
• 1Y Price Target: $5.00
• Price Target Upside: 46.63% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 43 Neutral
• Price Target: $3.50 ▲(2.64% Upside)

TTEC's overall stock score is primarily impacted by its poor financial performance, with significant revenue and profitability challenges. While the earnings call provided some positive insights, the technical analysis and valuation metrics remain weak, contributing to a low overall score.

Positive Factors

Free Cash Flow Growth

The significant increase in free cash flow enhances TTEC's ability to invest in growth opportunities, reduce debt, and improve financial stability, supporting long-term business sustainability.

Adjusted EBITDA Growth

The growth in adjusted EBITDA and margin improvement indicate enhanced operational efficiency and profitability, which are crucial for sustaining competitive advantage and financial health.

Debt Reduction

Reducing debt levels improves TTEC's balance sheet strength, lowers financial risk, and increases flexibility for strategic investments, supporting long-term growth and stability.

Negative Factors

Revenue Decline

The decline in revenue reflects challenges in maintaining market share and growth, potentially impacting long-term business prospects and competitive positioning.

High Leverage

High leverage can strain cash flows and limit financial flexibility, posing risks to TTEC's ability to invest in growth and manage economic downturns effectively.

Weak Cash Flow Generation

Weak cash flow generation limits TTEC's capacity to fund operations, invest in new opportunities, and reduce debt, impacting long-term financial health and growth potential.

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 service contracts, technology licensing, and consulting fees. Key revenue streams arise from providing outsourced customer care services, which involve staffing and managing customer interactions for clients. Additionally, TTEC earns income from its proprietary technology solutions that enhance customer engagement, as well as from consulting services that assist organizations in transforming their customer experience strategies. Significant partnerships with major corporations across various sectors contribute to its earnings, as these relationships often lead to long-term contracts and recurring revenue opportunities.

TTEC Holdings Financial Statement Overview

Summary

TTEC Holdings is facing significant financial challenges, including a steep decline in revenue, negative net profit margin, high leverage, and weak cash flow generation. These factors indicate operational inefficiencies and financial instability.

Income Statement

TTEC Holdings has experienced a significant decline in revenue over the TTM period, with a negative revenue growth rate of -94.7%. The gross profit margin has decreased to 20.66%, and the net profit margin is negative at -1.20%, indicating challenges in maintaining profitability. The EBIT and EBITDA margins are also relatively low at 4.68% and 9.03%, respectively, reflecting operational inefficiencies.

Balance Sheet

The company's balance sheet shows a high debt-to-equity ratio of 3.58, indicating significant leverage and potential financial risk. The return on equity is negative at -9.62%, reflecting poor profitability relative to shareholder equity. The equity ratio stands at 26.04%, suggesting a lower proportion of equity financing compared to total assets.

Cash Flow

TTEC Holdings has faced a substantial decline in free cash flow growth at -110.43% over the TTM period. The operating cash flow to net income ratio is low at 0.06, indicating weak cash generation relative to net income. The free cash flow to net income ratio is 0.28, showing limited free cash flow relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.14B	2.21B	2.46B	2.44B	2.27B	1.95B
Gross Profit	443.14M	471.72M	529.94M	587.19M	568.95M	496.53M
EBITDA	193.59M	-54.25M	220.32M	301.21M	330.30M	293.94M
Net Income	-25.72M	-320.96M	8.43M	103.24M	140.97M	118.65M
Balance Sheet
Total Assets	1.07B	1.75B	2.19B	2.15B	2.00B	1.52B
Cash, Cash Equivalents and Short-Term Investments	82.56M	84.99M	172.75M	153.44M	158.21M	132.91M
Total Debt	994.56M	1.08B	1.13B	1.06B	905.75M	537.88M
Total Liabilities	1.40B	1.49B	1.57B	1.52B	1.40B	1.01B
Stockholders Equity	277.89M	250.25M	598.63M	559.91M	522.21M	444.70M
Cash Flow
Free Cash Flow	6.12M	-103.99M	76.93M	53.04M	190.94M	212.15M
Operating Cash Flow	21.84M	-58.82M	144.76M	137.05M	251.30M	271.92M
Investing Cash Flow	13.74M	477.00K	-67.58M	-226.20M	-541.98M	-112.43M
Financing Cash Flow	-59.63M	-38.30M	-68.23M	89.04M	319.64M	-112.23M

TTEC Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 3.41
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TTEC, the sentiment is Negative. The current price of 3.41 is below the 20-day moving average (MA) of 3.55, below the 50-day MA of 3.63, and below the 200-day MA of 4.07, indicating a bearish trend. The MACD of -0.03 indicates Negative momentum. The RSI at 45.53 is Neutral, neither overbought nor oversold. The STOCH value of 53.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TTEC.

TTEC Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
DLB	―	$6.38B	24.45	10.49%	1.98%	6.94%	24.05%
WNS	―	―	―	21.23%	―	1.94%	26.15%
G	―	$6.83B	13.01	21.86%	1.69%	7.37%	-14.64%
EPAM	―	$9.02B	23.09	11.36%	―	9.73%	-0.29%
CNXC	―	$2.92B	9.92	7.08%	2.95%	3.40%	53.13%
Sector *	―	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
TTEC	―	$165.26M	-6.33	-9.11%	―	-8.21%	91.83%

TTEC Holdings Corporate Events

TTEC Holdings’ Earnings Call Highlights Strategic Progress

TTEC Holdings, Inc.’s recent earnings call painted a picture of strategic progress and financial resilience, despite facing some revenue challenges. The sentiment was largely positive, driven by advancements in AI and analytics, client growth, and operational improvements, even as the company navigated revenue declines and currency impacts.

TTEC Holdings Reports Q2 2025 Financial Results

TTEC Holdings, Inc. is a global leader in customer experience (CX) technology and services, specializing in AI-enabled digital solutions. The company operates through its TTEC Digital and TTEC Engage segments, offering a range of services from omnichannel contact center technology to customer engagement and fraud prevention.

TTEC Holdings CEO Withdraws Acquisition Proposal

On August 1, 2025, TTEC Holdings announced that its founder and CEO, Kenneth Tuchman, has decided not to pursue his previous proposal to acquire the company’s outstanding shares due to market conditions. The Board of Directors expressed confidence in TTEC’s continued success as a public company, emphasizing its commitment to thriving in the complex CX ecosystem.

The most recent analyst rating on (TTEC) stock is a Buy with a $6.85 price target. To see the full list of analyst forecasts on TTEC Holdings stock, see the TTEC Stock Forecast page.