TTEC Holdings Inc. Common Stock (TTEC)

FairStock Score: 39/100 — MIXED

Key Financials

Strengths

• Generates $92 million in annual free cash flow (63.8% yield on market cap)
• Established organization with 51,000 employees providing operational scale

Concerns

• High leverage at 9.57x debt-to-equity increases financial risk and interest expense burden
• Currently unprofitable—sustained losses could lead to dilutive capital raises or balance sheet deterioration
• Altman Z-Score of 1.1 places it in the financial distress zone—elevated bankruptcy risk

AI Analysis

TTEC Holdings Inc. Common Stock is a micro-cap technology company valued at $144 million. Revenue stands at $2.1 billion, though the company is currently unprofitable. From a quality standpoint, TTEC shows distressed Altman Z-Score of 1.1 warrants caution and negative ROE indicating losses. Growth dynamics show revenue growing at 0.4% and profit growth of -8720.3%. Our composite FairStock Score of 39/100 reflects below-average fundamentals overall. Without profitability, this remains speculative—suitable only for those with high risk tolerance and a long time horizon.

Bull Case

Improving fundamentals and sector tailwinds could drive meaningful earnings growth, compressing the effective multiple for patient investors. With $92 million in annual free cash flow (63.8% yield), management has ample capital for buybacks, dividends, or accretive acquisitions.

Bear Case

Without a clear path to profitability, continued cash burn forces either dilutive equity raises or debt accumulation that destroys shareholder value. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.

Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer