TTEC Holdings Inc
TTEC—
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TTEC Holdings Inc AI Insights
Informational only. Not investment advice.Snapshot
- Tangible book value is -451.8M with goodwill at 218% of equity (573.8M vs 263.4M) - significant impairment risk if business deteriorates[Goodwill / Tangible Book Value]
- Debt/equity of 3.73x with interest expense (75.8M TTM) consuming 91% of operating income (83.9M) - severe leverage constraint[Debt to Equity]
- FCF of 82.3M TTM vs market cap of 175.4M yields 47% FCF yield - but net income is -18M, masking cash quality issues[Free Cash Flow TTM]
Watch Triggers
- Interest Expense TTM: Exceeds 80M or EBIT coverage falls below 1.2x — Current 1.38x coverage razor thin; any deterioration risks covenant breach
- Cash and Equivalents: Falls below 50M — 73.5M cash vs 363M current liabilities; liquidity crisis threshold
- Goodwill: Any impairment charge announced — 574M goodwill impairment would eliminate remaining equity entirely
Bull Case
Trading at 0.08x P/S vs industry median 2.7x with 82.3M FCF - extreme discount if debt refinanced successfully
PS RatioFree Cash Flow TTM
Asset turnover 1.22x (4.5x industry median 0.27x) shows operational efficiency; 3.9% operating margin positive vs industry median 0%
Asset Turnover TTMOperating Margin TTM
Bear Case
983M total debt on 263M equity with negative tangible book (-452M) leaves zero margin for error on refinancing
Total DebtTangible Book Value
5-year revenue CAGR of 1% with negative net income (-18M TTM) and ROE of -6.6% shows no growth to outrun debt burden
Total Revenue 5yr GrowthROE TTM
Bull vs Bear Balance
AI-generated sentiment analysis based on fundamental metrics and market conditions.
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Forward Thesis
Interest burden likely forces asset sales or equity raise within 18 months
1-3ymed
- Interest expense 75.8M vs EBIT 104.8M (72% coverage)
- Net debt 809M on 263M equity
- Cash position down 11% QoQ to 73.5M
Debt/equity 3.73x vs industry medianNet income -18M TTM despite positive EBITDAWorking capital 272M tied in receivables
Valuation Context
Caveats
TTEC Fundamentals
Professional, Scientific, and Technical Services → Professional, Scientific, and Technical Services
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$125.3M | — | ||
$1.01B | — | ||
0.00 | — | ||
$2.1B | -3.1% | — | |
$-4.18 | — | ||
4.27% | +0.4% | — | |
-9.60% | +5.1% | — | |
$87.92M | — | ||
-116% | -42.1% | — | |
Beta 5Y (Monthly) | unknown | — |
TTEC Dividend History
20 dividends
2024
$0.060004/02/24$0.0600
2023
$1.040010/13/23$0.5200
03/30/23$0.5200
2022
$1.020010/07/22$0.5200
03/30/22$0.5000
2021
$0.900010/07/21$0.4700
04/01/21$0.4300
2020
$2.880012/17/20$2.1400
10/13/20$0.4000
03/31/20$0.3400
2019
$0.620009/27/19$0.3200
03/27/19$0.3000
2018
$0.550010/05/18$0.2800
03/28/18$0.2700
2017
$0.470010/04/17$0.2500
03/29/17$0.2200
2016
$0.385009/29/16$0.2000
03/29/16$0.1850
2015
$0.360009/28/15$0.1800
03/04/15$0.1800
TTEC Stock Splits
No stock splits
TTEC SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
05/07/26 | 03/31/26 | 10-Q | |
02/26/26 | 12/31/25 | Unknown | |
11/06/25 | 09/30/25 | 10-Q | |
08/07/25 | 06/30/25 | 10-Q | |
05/08/25 | 03/31/25 | 10-Q | |
02/27/25 | 12/31/24 | Unknown | |
11/06/24 | 09/30/24 | 10-Q | |
08/08/24 | 06/30/24 | 10-Q | |
05/08/24 | 03/31/24 | 10-Q | |
02/29/24 | 12/31/23 | 10-K | |
11/08/23 | 09/30/23 | 10-Q | |
08/04/23 | 06/30/23 | 10-Q | |
05/05/23 | 03/31/23 | 10-Q | |
02/28/23 | 12/31/22 | 10-K | |
11/09/22 | 09/30/22 | 10-Q | |
08/09/22 | 06/30/22 | 10-Q | |
05/05/22 | 03/31/22 | 10-Q | |
03/03/22 | 12/31/21 | 10-K | |
11/09/21 | 09/30/21 | 10-Q | |
08/03/21 | 06/30/21 | 10-Q | |
05/04/21 | 03/31/21 | 10-Q | |
03/01/21 | 12/31/20 | 10-K | |
11/04/20 | 09/30/20 | 10-Q | |
08/05/20 | 06/30/20 | 10-Q | |
05/04/20 | 03/31/20 | 10-Q | |
03/04/20 | 12/31/19 | 10-K | |
11/05/19 | 09/30/19 | 10-Q | |
08/07/19 | 06/30/19 | 10-Q | |
05/07/19 | 03/31/19 | 10-Q | |
03/06/19 | 12/31/18 | 10-K | |
11/07/18 | 09/30/18 | 10-Q | |
08/07/18 | 06/30/18 | 10-Q | |
05/10/18 | 03/31/18 | 10-Q | |
03/13/18 | 12/31/17 | 10-K | |
11/08/17 | 09/30/17 | 10-Q | |
08/07/17 | 06/30/17 | 10-Q | |
05/09/17 | 03/31/17 | 10-Q | |
03/16/17 | 12/31/16 | 10-K | |
11/14/16 | 09/30/16 | 10-Q | |
08/03/16 | 06/30/16 | 10-Q | |
05/09/16 | 03/31/16 | 10-Q | |
03/14/16 | 12/31/15 | 10-K | |
11/09/15 | 09/30/15 | 10-Q | |
08/05/15 | 06/30/15 | 10-Q | |
05/11/15 | 03/31/15 | 10-Q | |
03/09/15 | 12/31/14 | 10-K | |
11/05/14 | 09/30/14 | 10-Q | |
08/11/14 | 06/30/14 | 10-Q | |
05/05/14 | 03/31/14 | 10-Q | |
02/28/14 | 12/31/13 | 10-K | |
10/30/13 | 09/30/13 | 10-Q | |
07/30/13 | 06/30/13 | 10-Q | |
05/01/13 | 03/31/13 | 10-Q | |
02/26/13 | 12/31/12 | 10-K | |
11/07/12 | 09/30/12 | 10-Q | |
08/01/12 | 06/30/12 | 10-Q | |
05/01/12 | 03/31/12 | 10-Q | |
02/28/12 | 12/31/11 | 10-K | |
11/02/11 | 09/30/11 | 10-Q | |
08/02/11 | 06/30/11 | 10-Q | |
05/03/11 | 03/31/11 | 10-Q | |
03/01/11 | 12/31/10 | 10-K | |
11/03/10 | 09/30/10 | 10-Q | |
08/04/10 | 06/30/10 | 10-Q | |
05/05/10 | 03/31/10 | 10-Q | |
02/22/10 | 12/31/09 | 10-K | |
10/28/09 | 09/30/09 | 10-Q | |
07/29/09 | 06/30/09 | 10-Q | |
05/11/09 | 03/31/09 | 10-Q | |
02/23/09 | 12/31/08 | 10-K | |
11/04/08 | 09/30/08 | 10-Q | |
08/04/08 | 06/30/08 | 8-K | |
07/16/08 | 03/30/08 | Unknown | -- |
07/16/08 | 12/31/07 | NT 10-K | |
07/16/08 | 09/30/07 | NT 10-Q | |
08/06/07 | 06/30/07 | 10-Q | |
05/09/07 | 03/30/07 | Unknown | -- |
02/07/07 | 12/31/06 | 10-K | |
10/25/06 | 09/30/06 | 10-Q | |
08/01/06 | 06/30/06 | 8-K | |
05/03/06 | 03/30/06 | Unknown | -- |
02/21/06 | 12/31/05 | 10-K | |
11/02/05 | 09/30/05 | 10-Q | |
08/03/05 | 06/30/05 | 10-Q | |
05/04/05 | 03/30/05 | Unknown | -- |
03/08/05 | 12/31/04 | 10-K | |
11/03/04 | 09/30/04 | 8-K | |
08/04/04 | 06/30/04 | 10-Q | |
05/06/04 | 03/30/04 | Unknown | -- |
03/08/04 | 12/31/03 | 10-K | |
11/05/03 | 09/30/03 | 10-Q | |
08/14/03 | 06/30/03 | 10-Q | |
05/13/03 | 03/30/03 | Unknown | -- |
03/31/03 | 12/31/02 | 10-K | |
11/13/02 | 09/30/02 | 10-Q | |
08/12/02 | 06/30/02 | 10-Q | |
05/09/02 | 03/30/02 | Unknown | -- |
04/01/02 | 12/31/01 | 10-K | |
11/14/01 | 09/30/01 | 10-Q | |
08/14/01 | 06/30/01 | 10-Q | |
05/15/01 | 03/30/01 | Unknown | -- |
03/30/01 | 12/31/00 | 10-K | |
11/14/00 | 09/30/00 | 10-Q | |
08/14/00 | 06/30/00 | 10-Q | |
05/15/00 | 03/30/00 | Unknown | -- |