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TTEC Holdings Inc (TTEC) fair value: what the stock is really worth

As of Oct 16, 2026: fair value (intrinsic value) of TTEC Holdings Inc stock $1.88, price $1.51, upside +24.6%, quality 50 out of 100. Rating: undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Technology · US · ISIN US89854H1023

TH TTEC Holdings Inc logo Some data Oct 3, 2026

TTEC Holdings Inc

TTEC · US

SpeculativeUpside exists, but weak quality makes the signal speculative.

The stock costs 20% less than our calculation considers fair.

Fair value $1.88 · Undervalued (+24.6%)
Generates free cash flow
Quality 50/100
Loss only from goodwill write-downs · -9.6% net margin (TTM) · excl. goodwill write-downs +0.2%
Mixed vs. peers (5/12)
Some data
Weak Growth (revenue 5y +1.9 %/yr in USD)
High debt
Narrow moat 13/100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$105.28 $1.21 Fair Value $1.88 Jul 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.

How to read this chart

60‑month range $1.21 – $105.28 · fair‑value band $0.8799 – $3.07 · the $1.51 price screens below the $1.88 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.

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Company profile

TTEC Holdings, Inc. operates as a customer experience (CX) company that designs, builds, and operates technology-enabled customer experiences across live interaction channels. It operates through TTEC Digital and TTEC Engage segments.

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The TTEC Digital segment provides CX technologies for contact center as a service, customer relationship management, and artificial intelligence (AI) and analytics; creates and implements strategic CX transformation roadmaps; sells, operates, and provides managed services for cloud platforms and premise based CX technologies; creates proprietary IP to support industry specific and custom client needs; and offers CX consulting services.

The TTEC Engage segment provides digitally enabled CX operational and managed services; delivers data-driven omnichannel customer care, customer acquisition, growth and retention services, tech support, fraud mitigation, and back-office solutions; and offers solutions for AI operations, including data annotation and labeling.

It serves clients in the financial services, healthcare, public sector, communication, technology, media and entertainment, travel and hospitality, automotive, and retail industries.

The company operates in the United States, Canada, the Philippines, the Asia Pacific, India, Europe, the Middle East, Africa, and Latin America. The company was formerly known as TeleTech Holdings, Inc. and changed its name to TTEC Holdings, Inc. in May 1996.

TTEC Holdings, Inc. was founded in 1982 and is headquartered in Austin, Texas.

Stock analysis

TTEC Holdings Inc (TTEC) currently trades at $1.51, while our model-based Fair Value estimate is $1.88, implying the stock looks roughly 19.7% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $14.73 per share, and 10 of the 10 models we run sit above the $1.51 price.

Bear case: the Growth DCF group reads lowest at $11.05, and 0 of the 10 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $0.8799 (bear) to $3.07 (bull), the price of $1.51 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 50/100 (below-average quality), in the Technology sector.

Weak Growth: Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.

TTEC Holdings Inc reported revenue of $2.1B in FY2025 versus $2.3B in FY2021, a compound −1.5%/yr. Reported net income was −$192M in FY2025.

Key figures

Market cap $72.8M Micro · P/S ratio 0.05 · EPS (TTM) $−4.18 · Net margin −9.6% · Return on equity −101% · Return on assets (EBIT) 4.1% · Operating margin 4.1% · Revenue (TTM) $2.1B.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 13 out of 100 (medium confidence).

What moves the price

The share trades about 61% below its 52-week high and 25% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at 41% fair-value upside, at 25%, TTEC screens richer than that median.

Fair Value models

Bear $0.8799 Fair Value $1.88 Bull $3.07
Price $1.51 · Upside +24.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
FCF DCF $5.70 $12.61 $20.60 77
Growth DCF $5.90 $12.07 $18.88 76
5Y EBITDA Exit $11.06 $25.91 $42.51 72
All 10 models by family
DCF Models
FCF DCF $5.70 $12.61 $20.60 77
5Y Revenue Exit $2.54 $10.66 $20.49 67
5Y EBITDA Exit $11.06 $25.91 $42.51 72
10Y Revenue Exit $3.42 $10.19 $18.36 63
10Y EBITDA Exit $8.29 $18.91 $31.95 65
Multiples
EV/EBIT $6.33 $14.73 $23.12 62
EV/EBITDA $18.39 $30.81 $43.22 65
EV/Revenue n/a $6.82 $14.53 50
Growth DCF
Growth DCF $5.90 $12.07 $18.88 76
Rev-Margin DCF $2.54 $11.05 $20.38 67

Open the full fair value analysis →

Quality Score breakdown

Overall quality 50/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 31
How much profit the company makes from its sales and capital
Quality Growth 66
Are margins and returns getting better?
Cashflow 38
Do the profits arrive as real cash?
Financial strength 18
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 30
How calm the share price moves, does not count
Momentum 6
Price trend of the last 3 to 12 months, does not count
Near the 52-week high 6
Distance to the 52-week high, does not count
New shares 72
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 27/100
Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Revenue growth 1 year
−3.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−4.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.9%
Start year 2020 (pandemic). Over 10 years: +5.2% a year
Revenue growth 29 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.2%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
7.5% (2019) → −7.9% (2024)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Information Technology Services · 465 stocks

Beats the industry median on 5/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 50 · Below median
Fair Value upside +24.6% · Above median
Profitability
Return on assets −12.8% · Bottom 25%
Net margin (12 months) −9.6% · Bottom 25%
Operating margin (12 months) 4.1% · Below median
Growth and dividend
Revenue growth (quarter YoY) −7.1% · Bottom 25%
Balance sheet
Debt / equity 9.52× · Highest 25%

Valuation Multiplesvs Information Technology Services median · lower = cheaper

P/B 0.77× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (12 months) 0.04× · Cheapest 25%
Price / free cash flow 0.9× · Cheapest 25%
EV/EBITDA 5.0× · Cheapest 25%
PEG 0.22× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)66 · sector 42
FUTURE (revenue growth)0 · sector 29
PAST (return on equity)0 · sector 35
HEALTH (low debt)0 · sector 98
DIVIDEND (yield)0 · sector 40

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Information Technology Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Cognizant Technology Solutions Corporation CTSH $59.68 $138.62 +132% vs TTEC
Wipro Limited WIPRO ₹161.80 ₹287.86 +78% vs TTEC
Infosys Limited INFY ₹1,062 ₹1,679 +58% vs TTEC
Accenture plc ACN $214.96 $305.06 +42% vs TTEC
Tata Consultancy Services Limited TCS ₹2,125 ₹2,993 +41% vs TTEC
HCL Technologies Limited HCLTECH ₹1,380 ₹1,926 +40% vs TTEC
Amadeus IT Group AMS €54.40 €65.98 +21% vs TTEC
Fidelity National Information Services, Inc FIS $34.26 $32.72 −4% vs TTEC
Broadridge Financial Solutions, Inc BR $175.11 $159.88 −9% vs TTEC
International Business Machines Corporation IBM $230.78 $186.56 −19% vs TTEC

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TTEC Holdings Inc · Fair Value
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Cite: Fair Value Calculator (2026). "TTEC Holdings Inc Fair Value". https://www.fairvalue-calculator.com/stock/TTEC

Frequently asked questions

Is TTEC Holdings Inc (TTEC) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of $1.88 versus a price of $1.51, about +25% upside (undervalued).
What is the fair value of TTEC?
Our model-based fair value for TTEC Holdings Inc is $1.88 (as of Oct 3, 2026), built from audited fundamentals. The current price: $1.51.
What is the quality score of TTEC?
TTEC Holdings Inc has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for TTEC Holdings Inc (TTEC)?
Our model-based price target is the fair value of $1.88 (as of Oct 3, 2026) from 10 valuation models. Cautious scenario $0.8799, optimistic scenario $3.07. It is a calculation from audited fundamentals, not an analyst target.
What is the TTEC Holdings Inc stock forecast for 2026?
Our models put fair value at $1.88, about +25% upside versus a price of $1.51 (undervalued). Cautious scenario $0.8799, optimistic scenario $3.07. The calculation is refreshed regularly with new filings.
What is the revenue of TTEC Holdings Inc (TTEC)?
TTEC Holdings Inc reported trailing-twelve-month revenue of about $2.1B (latest available figure, as of Oct 3, 2026).
What is the intrinsic value of TTEC Holdings Inc (TTEC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For TTEC Holdings Inc it is $1.88 per share (as of Oct 3, 2026), against a price of $1.51. It is the blended result of 10 valuation models (cash flow, earnings, asset, dividend).
Is TTEC Holdings Inc stock overvalued or undervalued in 2026?
As of Oct 3, 2026, TTEC trades below its calculated fair value: price $1.51, fair value $1.88, a gap of about +25% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of TTEC?
No. The price is what the market pays today ($1.51); the fair value is what the company's own numbers justify ($1.88). For TTEC Holdings Inc the two are $0.3710 per share apart. That gap is exactly why we show both numbers side by side.
How much is TTEC Holdings Inc worth?
The market values TTEC Holdings Inc at about $72.8M (market capitalisation, as of Oct 3, 2026). Per share that is $1.51; our models calculate a fair value of $1.88 per share.
What do the bullish and bearish scenarios say about TTEC?
Our models span a range for TTEC Holdings Inc: cautious scenario $0.8799, base $1.88, optimistic $3.07 per share (as of Oct 3, 2026, price $1.51). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of TTEC?
The PEG ratio of TTEC Holdings Inc is 0.22 (P/E divided by earnings growth, as of Oct 3, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of TTEC Holdings Inc (TTEC)?
Balance-sheet figures for TTEC Holdings Inc (as of Oct 3, 2026): return on equity −101.0%, debt of 9.52 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is TTEC from its 52-week high?
TTEC Holdings Inc trades at $1.51, about 61% below its 52-week high of $3.88 and 25% above the low of $1.21 (as of Oct 16, 2026). Distance from the high says nothing about value: that is what the fair value of $1.88 is for.
Which stocks are comparable to TTEC Holdings Inc?
From the same area (Technology) we also value International Business Machines Corporation, Accenture plc, Tata Consultancy Services Limited, Infosys Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is TTEC Holdings Inc stock attractive at the current price?
The data as of Oct 3, 2026: price $1.51, calculated fair value $1.88 (+25%), Quality Score 50/100, from 10 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of TTEC calculated?
We run TTEC Holdings Inc through 10 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $1.88, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.8 % above its aggregate fair value. TTEC Holdings Inc currently trades 20 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of TTEC Holdings Inc (TTEC)?
The closing price on Oct 16, 2026 was $1.51. Our model-based fair value is $1.88, about +25% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with TTEC Holdings Inc right now?
The model range is unusually wide ($0.8799 to $3.07). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (50/100) at a price below fair value, the discount is the argument here, not the business quality.

Key figures of TTEC Holdings Inc

How large is the market capitalisation of TTEC Holdings Inc (TTEC)?
The market capitalisation of TTEC Holdings Inc is $72.8M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of TTEC Holdings Inc (TTEC)?
The price-to-sales ratio of TTEC Holdings Inc is 0.05 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of TTEC Holdings Inc (TTEC)?
Earnings per share at TTEC Holdings Inc are $−4.18. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of TTEC Holdings Inc (TTEC)?
The net margin of TTEC Holdings Inc is −9.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of TTEC Holdings Inc (TTEC)?
The return on equity (ROE) of TTEC Holdings Inc is −101% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of TTEC Holdings Inc (TTEC)?
On an EBIT basis the return on assets of TTEC Holdings Inc is 4.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of TTEC Holdings Inc (TTEC)?
The operating margin of TTEC Holdings Inc is 4.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at TTEC Holdings Inc (TTEC)?
Revenue at TTEC Holdings Inc is growing −7.1% versus a year earlier (3y avg −4.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at TTEC Holdings Inc (TTEC)?
Earnings per share at TTEC Holdings Inc are growing −95.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does TTEC Holdings Inc (TTEC) generate?
The free cash flow of TTEC Holdings Inc is $81.5M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does TTEC Holdings Inc (TTEC) carry?
The net debt of TTEC Holdings Inc is $917M (fiscal year 2025, ≈ 11.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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