Deep Value: cash covers more than 100% of the stock price

This company holds roughly $94M in cash and investments — more than its entire stock-market value, based on its latest quarterly filing. You're paying very little for the actual business. Sometimes that's a genuine bargain or a takeover target, sometimes it's cheap for a reason. Not a buy signal on its own — always ask why it's this cheap.

TTEC Holdings

TTEC

Information Technology Services · Technology

Price

$1.37

-0.06 (-4.20%)

Market Cap

$66.7M

Exchange

NASDAQ

Winston Score

Winston is worried

Weak fundamentals across most pillars.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Weak

Growth

Weak

Cash Flow

Weak

Stability

Weak

Valuation

Data not available

Dividends

Good

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Share count rising — dilution

+1.7% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 47.4M (2021) → 48.2M (2025)

Winston Score History

The full picture

TTEC Holdings is a company that helps other businesses run their customer service operations. When you call a company's support line or chat with a customer service agent, there's a good chance TTEC is managing that interaction behind the scenes. Their main customers are large companies in industries like healthcare, financial services, retail, and government, and they operate in the customer experience (CX) outsourcing industry.

TTEC makes money by charging clients fees to handle customer interactions on their behalf, either through human agents or AI-assisted technology. The company operates across North America, Europe, Asia, and Latin America, employing tens of thousands of agents globally. Its competitive position relies on combining traditional call center services with digital and AI tools, but with a market cap of only around $100 million and thin margins, TTEC faces serious pressure from lower-cost competitors and the rapid rise of AI-powered customer service automation, which could reduce demand for human agents over time.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-11.2% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-82.4% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (15%)

Research and development spending

Insider Activity

59.4%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$94M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

TTEC Holdings's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale

Gross Margin

21.4%

Thin — 21.4% gross margin

Profit after running costs

Operating Margin

2.4%

Thin — 2.4% operating margin

Return on the money invested

ROCE

7.8%

Weak — 7.8% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

-4.8%

Shrinking sales (-4.8% YoY)

Profit growth

EPS YoY

N/A

Data not available

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash

Cash Conversion

N/A

Data not available

Spare cash per sale

FCF Margin

0.1%

Thin free cash flow (0.1%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns

Debt / Equity

10.28

Heavy debt load (10.28)

Covers its interest

Interest Cover

1.18x

Dangerous — barely covers interest (1.2x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

Price vs profit

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend

Dividend Yield

8.76%

Healthy income — 8.76% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record

Dividend Growth

-54.2%

Dividend cut (-54.2% YoY) — warning sign

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