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TTEC Holdings, Inc. (TTEC) stock analysis

TTECNasdaqServices-Help Supply ServicesFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 9, 2026Score 5/3059% below fair value
$2.67+0.27 (+11.25%)

Close on Nov 11, 2026Market cap $131.62MP/E –Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value3Growth1Performance0Health1Dividend0

Weak5 of 30 checks passed

TTEC passes 5 of the 30 checks behind our score; 17 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
3/6
Growth
1/6
Past performance
0/6
Financial health
1/6
Dividend
0/6

What stands out

  • Margin of safety over 20%

    The price is 59.2% below fair value, more than the 20% cushion we look for.

  • Trading below fair value

    The share price of $2.67 is below our fair value estimate of $6.54.

  • P/S below the industry

    TTEC's price-to-sales of 0.07 is below the Personnel Supply Services median of 0.39 (book value is negative, so we use sales).

  • Gross margin improving

    Gross margin was 22.0% over the last twelve months, against 21.5% a year earlier.

What to watch

  • Revenue growing under 10% a year

    Revenue grew -4.4% a year over the last three fiscal years, short of the 10% we look for.

  • Interest not well covered

    Operating income covers interest expense -1.8 times; we look for at least 5.

  • Bankruptcy risk in the grey zone

    The Altman Z-score is 1.82; above 3 is the safe zone and below 1.8 the distress zone.

  • Guidance lowered

    TTEC lowered its Full Year 2026 Non-GAAP adjusted EBITDA margins outlook on Aug 10, 2026.

Valuation3/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • EV/EBITDA against its history

    Needs positive EBITDA and price history.

  • P/S below the industry

    TTEC's price-to-sales of 0.07 is below the Personnel Supply Services median of 0.39 (book value is negative, so we use sales).

  • Trading below fair value

    The share price of $2.67 is below our fair value estimate of $6.54.

  • Margin of safety over 20%

    The price is 59.2% below fair value, more than the 20% cushion we look for.

Growth1/6

  • Revenue growing under 10% a year

    Revenue grew -4.4% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing slower than the industry

    Revenue grew -5.6% over the last twelve months; the Personnel Supply Services median is 2.1%.

  • Guidance lowered

    TTEC lowered its Full Year 2026 Non-GAAP adjusted EBITDA margins outlook on Aug 10, 2026.

  • Gross margin improving

    Gross margin was 22.0% over the last twelve months, against 21.5% a year earlier.

Past performance0/6

  • Return on equity

    Needs positive equity and five years of results.

  • Return on invested capital

    Needs operating income and invested capital.

  • Return on equity against the industry

    Needs positive equity.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin below its 5-year average

    Net margin was -10.0% over the last twelve months, against a 5-year average of -2.6%.

  • Net margin below the industry

    TTEC's net margin of -10.0% is below the Personnel Supply Services median of -0.0%.

Financial health1/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt coverage

    Needs operating cash flow.

  • Interest not well covered

    Operating income covers interest expense -1.8 times; we look for at least 5.

  • Short-term assets cover short-term debts

    Current assets are 1.76 times current liabilities.

  • Bankruptcy risk in the grey zone

    The Altman Z-score is 1.82; above 3 is the safe zone and below 1.8 the distress zone.

Dividend0/6

  • No dividend

    TTEC has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$6.54

The share price is 59% below this estimate.

20%+ below
Near fair value
20%+ above
$2.67Price$6.54Fair value
MethodMultiple usedOwn 5Y medianIndustry medianValue per shareWeight
P/S0.3×0.1×0.4×$11.0240%
Earnings power10.6% cost of equity––$3.5560%
Fair value$6.54100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 22.4
  • Personnel Supply Services median 22.6

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$2.78M
Value traded per 1% price move
$181.71K

Downside

High risk

Typical loss in a bad month
45.7%
Volatility (annualized)
110%
Sharpe ratio, 1 year
-0.00
Beta to the S&P 500 (5Y)
1.15

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Gross margin

21.8%−3.7 pts over 5 years

Operating margin

-5.5%−16.0 pts over 5 years

Net margin

-9.0%−15.1 pts over 5 years

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