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TTEC

BEARISH
$3.23 Live
TTEC Holdings, Inc. · NASDAQ
Target $5.0 (+54.8%)
$1.98 52W Range $5.6

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 21, 2026
Market cap
$157.01M
P/E
N/A
ROE
-97.1%
Profit margin
-9.0%
Debt/Equity
8.87
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
90%
TTEC exhibits severe financial distress, highlighted by a weak Piotroski F-Score of 2/9 and a catastrophic ROE of -97.15%. While valuation metrics such as the Price/Sales ratio (0.07) and Forward P/E (2.41) appear superficially attractive, they are offset by an extreme Debt/Equity ratio of 8.87 and stagnant revenue growth (0.40%). The company is a classic 'value trap,' where deep discounts in price reflect a high probability of insolvency or massive equity dilution, further evidenced by a 96.7% price collapse over five years.

Key Strengths

Extremely low Price/Sales ratio (0.07) suggesting deep value if the company survives
Positive Operating Margin (6.28%) indicating core business viability
Adequate short-term liquidity with a Current Ratio of 1.89
Low Forward P/E (2.41) relative to sector averages
Recent short-term positive price momentum (1-week and 1-month)

Key Risks

Extreme leverage with a Debt/Equity ratio of 8.87
Severe erosion of shareholder value (-96.7% 5-year return)
Stagnant top-line growth (0.40% YoY Revenue Growth)
Negative net profit margins (-9.01%) and catastrophic ROE
Bearish technical trend and negative insider selling activity
AI Fair Value Estimate
Based on comprehensive analysis
$2.5
-22.6% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
16
Weak
Value
40
Future
20
Past
10
Health
10
Dividend
0
AI Verdict
High Risk / Value Trap
Key drivers: Extreme Debt/Equity ratio, Piotroski F-Score of 2/9, Long-term price collapse, Stagnant revenue growth
Confidence
95%
Value
40/100

Trades at a massive discount to sales, but this is likely a risk premium for insolvency.

Positives
  • P/S of 0.07
  • Forward P/E of 2.41
Watchpoints
  • Lack of Graham Number/Intrinsic Value due to negative earnings/equity issues
Future
20/100

Growth metrics are insufficient to service the massive debt load.

Positives
  • Recent Q/Q EPS growth spike
Watchpoints
  • YoY Revenue growth is nearly flat (0.40%)
  • Earnings track record is highly volatile
Past
10/100

Consistent and severe long-term value destruction.

Positives
No standout positives identified.
Watchpoints
  • 5Y Change: -96.7%
  • 3Y Change: -90.6%
Health
10/100

Financial health is critical; the company is heavily over-leveraged.

Positives
  • Current Ratio > 1.5
Watchpoints
  • Piotroski F-Score 2/9
  • Debt/Equity 8.87
  • ROE -97.15%
Dividend
0/100

Company cannot afford distributions given its debt and negative margins.

Positives
No standout positives identified.
Watchpoints
  • No dividend paid
  • 0/100 Dividend Strength

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$3.23
Analyst Target
$5.0
Upside/Downside
+54.8%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for TTEC and closest competitors.

Updated 2026-04-20
TTE
TTEC Holdings, Inc.
Primary
5Y
-96.7%
3Y
-90.6%
1Y
-12.2%
6M
-8.8%
1M
+20.5%
1W
+28.2%
IDN
Intellicheck, Inc.
Peer
5Y
-11.2%
3Y
+222.0%
1Y
+222.0%
6M
+58.3%
1M
+61.0%
1W
-2.7%
KLT
Kaltura, Inc.
Peer
5Y
-91.0%
3Y
-43.8%
1Y
-44.0%
6M
-27.5%
1M
-22.9%
1W
-6.1%
SIL
Silicom Ltd.
Peer
5Y
-35.8%
3Y
-18.1%
1Y
+110.4%
6M
+65.9%
1M
+50.3%
1W
+30.1%
SPW
SunPower Inc.
Peer
5Y
-88.3%
3Y
-88.6%
1Y
-39.5%
6M
-29.8%
1M
-0.8%
1W
+1.7%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
N/A
Forward P/E
2.41
PEG Ratio
0.36
P/B Ratio
1.65
P/S Ratio
0.07
EV/Revenue
0.51
EV/EBITDA
5.82
Market Cap
$157.01M

Profitability

Profit margins and return metrics

Profit Margin -9.01%
Operating Margin 6.28%
Gross Margin 23.59%
ROE -97.15%
ROA 3.77%

Growth

Revenue and earnings growth rates

Revenue Growth +0.4%
Earnings Growth N/A
Q/Q Revenue Growth +0.44%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
8.87
High debt
Current Ratio
1.89
Good
Quick Ratio
1.54
Excellent
Cash/Share
$1.71

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.6B
Gross Margin
22.2%
Op. Margin
5.9%
Net Margin
-30.3%
Total Assets
$1.5B
Liabilities
$1.4B
Equity
$0.1B
Debt/Equity
14.58x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$-0.0B
FCF Yield
-356%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-07
$N/A
2026-02-26
$0.47
+30.6% surprise
2025-11-06
$0.12
-46.7% surprise
2025-08-07
$0.22
-6.4% surprise

Technology Sector Comparison

Comparing TTEC against 490 companies in the Technology sector (40 bullish, 167 neutral, 283 bearish)
Return on Equity (ROE)
-97.15%
This Stock
vs
-34.81%
Sector Avg
+179.1% (Excellent)
Profit Margin
-9.01%
This Stock
vs
-12.62%
Sector Avg
-28.6% (Weaker)
Debt to Equity
8.87
This Stock
vs
0.71
Sector Avg
+1145.1% (Higher)
Revenue Growth
0.4%
This Stock
vs
5058.57%
Sector Avg
-100.0% (Slower)
Current Ratio
1.89
This Stock
vs
3.77
Sector Avg
-49.8% (Weaker)

Similar Companies

Peer comparison within the same industry

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

BROWN CHRISTOPHER JOHN
Officer
Stock Award
2026-04-14
766 shares
HOLTZMAN MARC LORENZ
Director
Buy
2026-03-09
73,056 shares · $186,215
HOLTZMAN MARC L
Director
Buy
2026-03-04
100,000 shares · $234,040
WAGERS KENNETH R III
Chief Financial Officer
Stock Award
2026-02-27
57,679 shares
ANENEN STEVEN
Director
Sell
2025-12-17
4,000 shares · $15,400
SEYBOLD DAVID J.
Officer
Stock Award
2025-11-28
13,109 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A
DEF 14A
2026-04-10

TTEC filed a definitive proxy statement (DEF 14A) on April 10, 2026, providing shareholders with necessary information and voting materials for its annual meeting.

8-K
FORM 8-K
2026-03-23

TTEC filed a Form 8-K, likely to announce its quarterly financial results or a material corporate development.

8-K
FORM 8-K
2026-02-26

TTEC reported its fourth quarter and full-year financial results for the fiscal year ending December 31, 2025.

10-K
10-K
2026-02-26

TTEC filed its annual 10-K on February 26, 2026, providing a comprehensive overview of its business operations and financial condition. The filing includes detailed management analysis of results of operations and a dedicated section outlining the company's primary risk factors.

8-K
FORM 8-K
2025-11-13

TTEC likely filed this 8-K to announce its third-quarter financial results.

8-K
FORM 8-K
2025-11-06

TTEC filed an 8-K on November 6, 2025, likely to announce its third-quarter financial results.

10-Q
10-Q
2025-11-06

TTEC filed its quarterly 10-Q report on November 6, 2025. The provided excerpts do not contain specific financial highlights or detailed risk factors.

8-K
FORM 8-K
2025-08-07

TTEC filed an 8-K on August 7, 2025, likely to announce its second-quarter financial results.

10-Q
10-Q
2025-08-07

TTEC filed its 10-Q on August 7, 2025. The provided excerpts do not contain specific financial highlights or detailed risk factors.

8-K
FORM 8-K
2025-08-01

TTEC filed an 8-K on August 1, 2025, likely to announce its second-quarter financial results.

8-K
FORM 8-K
2025-05-27
10-Q
10-Q
2025-05-08
8-K
FORM 8-K
2025-05-08
DEF 14A
FORM-DEF 14A
2025-04-11
10-K
10-K
2025-02-27
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
NONE
1 analysts
William Blair
2025-11-10
down
Outperform Market Perform

Past News Coverage

Recent headlines mentioning TTEC from our newsroom.

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