Start here if you're new
what it is
TTEC runs outsourced customer support and digital tools for 660 clients, including big brands and public agencies.
how it gets paid
Last year Ttec made $2.1B in revenue. TTEC Engage was the main engine at $1.8B, or 86% of sales.
why growth slowed
Revenue fell 3.2% last year. The important number was -$0.42. Revenue can bounce on a weak base.
what just happened
TTEC posted $1.6B of quarterly revenue, but EPS stayed negative at -$0.42.
At a glance
C balance sheet — red flag territory — real financial stress
15/100 earnings predictability — expect surprises
10.6x trailing p/e — the market's not buying it — or you found a deal
8.9% return on capital — nothing to write home about
-$2.78 fy2024 eps est
xvary composite: 25/100 — weak
What they do
TTEC runs outsourced customer support and digital tools for 660 clients, including big brands and public agencies.
660 clients is a lot of contracts. 52,000 employees is a lot of human voice, chat, and text coverage. If your brand needs 24/7 support, leaving means rebuilding that machine one angry call at a time.
How they make money
$2.1B
annual revenue · their business grew -3.2% last year
TTEC Engage
$1.8B
TTEC Digital
$0.3B
Corporate / other
$0.0B
The products that matter
managed customer-service operations
TTEC Engage
$1.8B · 84% of revenue
this is the core business. Q4 2025 revenue was $444.5M, down 1.8% from a year ago. If this segment keeps shrinking, the rest of the story does not matter much.
scale, not pricing power
cloud and cx consulting
TTEC Digital
$340M · 16% of revenue
this segment was flat while the company talked up AI and cloud work. In plain English: the repair plan exists, but the revenue line has not started sprinting yet.
turnaround lever
specialized fintech service offering
Fin-TTEC
launched mar 16, 2026
this is a vertical bet, not a proven earnings driver. The launch gives management a new pitch, but this snapshot does not include revenue or margin data for it yet.
too early to score
Key numbers
$2.1B
ttm revenue
That is the size of the business. Big enough to matter, small enough that a 3.2% drop still hurts.
$949M
long-term debt
Almost all capital is debt here. That means lenders get paid before your upside does.
5.5%
operating margin
The core business loses 5.5 cents on every sales dollar. That is the difference between a company and a cleanup job.
660
clients
Breadth helps, but 660 clients does not fix a business that is still losing money.
Financial health
C
strength
- balance sheet grade C — very weak — significant financial distress
- risk rank 5 — safer than 5% of stocks
- price stability 10 / 100
- long-term debt $949M (87% of capital)
C — balance sheet grade and long-term debt are flagged. this stock carries more risk than average.
Total return vs. market
Return history isn't available for TTEC right now.
source: institutional data · return history unavailable
What just happened
missed estimates
TTEC posted $1.6B of quarterly revenue, but EPS stayed negative at -$0.42.
Revenue jumped 202% vs. prior year, but that comparison was easy. The company still lost money, and annual revenue was down 3.2%.
$1.6B
revenue
-$0.42
eps
5.5%
operating margin
the number that mattered
The important number was -$0.42. Revenue can bounce on a weak base, but negative EPS says the business still did not earn its keep.
source: company earnings report, 2026
Get this snapshot in your inbox
This page, delivered free — plus weekly updates when the numbers change. plain english, no spam.
weekly updates
earnings alerts
plain english
no spam
What could go wrong
the #1 risk is revenue shrinkage meeting a debt-heavy balance sheet.
med
the balance sheet has almost no patience
Long-term debt is $949M, or 87% of capital, against a market cap of about $146M. When leverage dwarfs equity value, even a modest operating miss feels large.
If margin repair stalls while revenue keeps slipping, the equity can stay cheap for a long time for a very simple reason: lenders get paid before you do.
med
the core segment is still shrinking
TTEC Engage produced $1.8B of revenue and 84% of the total, yet Q4 segment revenue fell 1.8% from a year ago. That makes the legacy business both the cash engine and the main drag.
When the biggest segment declines, smaller growth initiatives need to run fast just to keep the company in place.
med
guidance still points lower
Management's 2026 revenue target is about $2.03B versus $2.14B last year. In plain English: even after the better quarter, the official plan still starts with less revenue.
A margin-led turnaround is harder when the top line is moving the wrong way, because there are fewer dollars to spread fixed costs across.
The combined picture is simple: $949M of debt, a suspended dividend, and a 2026 revenue target below last year's $2.14B leave little room for disappointment.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
next earnings report
Scheduled for May 6, 2026. You want to see whether margin gains survived into the new year.
guidance
2026 revenue target of $2.03B
This is lower than last year's $2.14B. If management cuts it again, the turnaround story gets harder to defend.
margin
adjusted EBITDA margin
Q4 reached 10.9%, up from 9.0%. That improvement needs to hold, because revenue is not doing the heavy lifting.
balance sheet
debt versus equity value
$949M of long-term debt against a $146M market cap is the number that keeps this stock speculative.
Analyst rankings
street view
reduce
analysts are not calling for a turnaround yet. in human-speak, the street thinks the stock still has to prove it.
earnings predictability
15 / 100
earnings are hard to model here. That matters because highly leveraged companies do not get many free mistakes.
source: institutional data
Institutional activity
institutional ownership data for TTEC is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$3
current price
n/a
target midpoint · n/a from current
Want the deeper analysis?
The full deep dive: dcf model, scenario analysis, competitive moat breakdown, and quarterly tracking — everything on this page, taken further.
see plans from $5/moThe deep dive