TTEC Holdings, Inc. (TTEC)
NASDAQInformation TechnologyInformation Technology ServicesSnapshot 2026-11-05
$1.48-3.27%
Close 2026-11-05 · 1-day change
NASDAQInformation TechnologyInformation Technology ServicesSnapshot 2026-11-05
QuarterlyIQ Insights · TTEC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -81.3% |
| Our one-year growth estimate | diamond | -3.0% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 78.3 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Worth watching into the next print: this name is a smaller-cap name (higher miss base rate) and has been missing across recent quarters. A fundamental tilt, not a price call.
Model as of 2026-11-05 · Compared with 29 industry peers
TTEC — credit agreement
Dated 2026-10-07
Entry into a Material Definitive Agreement. On October 1, 2026, TTEC Holdings, Inc. (the “Company”), certain of its subsidiaries as guarantors, the lenders party thereto, and Wells Fargo Bank, National Association, as administrative agent, entered into the Twelfth Amendment (the “Amendment”) to the Amended and Restated Credit Agreement dated as of June 3, 2013 (as previously amended, the “Credit Agreement”). The Amendment became effective on October 1, 2026. The Amendment, among other matters…
Why it matters: Profit fell as revenue dropped, and management named cost cuts and better delivery as priorities. Q3 results test whether those steps help.
Supportive ifQ3 non-GAAP operating income tops Q2's $25.7 million, with a margin above 5.7%.
Worry ifQ3 non-GAAP operating income is at or below $25.7 million, or its margin falls below 5.7%.
Why it matters: Engage revenue fell 12.1% in Q2. Management cited weak results at a few clients and delays in new business.
Supportive ifQ3 Engage revenue is above $351.5 million, and TTEC names new enterprise wins or faster deal closings.
Worry ifQ3 Engage revenue is at or below $351.5 million, with further delays in new business or weak client results.
Why it matters: TTEC had $766.9 million of net debt at Q2 and is in talks with lenders. A longer loan term could ease near-term payment pressure.
Supportive ifTTEC reports a lender deal that extends its credit facility past 2027.
Worry ifTTEC reports no maturity extension. Or it discloses tighter loan terms or added covenant limits.
Why it matters: TTEC is reviewing options for Digital, but has set no deadline. A deal could change the value and link between its two units.
Watch forThe company announces a signed Digital deal or terms that keep or improve its work with Engage.
Also watch forThe company ends the review with no deal, or announces terms that weaken work between Digital and Engage.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$235 on $10,000 · ±2.4% | How much price usually moves either way. |
| Bad day | $933 loss on $10,000 · 9.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $6,881 loss on $10,000 · 68.8% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: TTEC cut its 2026 revenue midpoint from $2,030 million to $1,965 million after Q2 missed plan. Q3 results test whether the new target still holds.
Watch forQ3 revenue and the latest full-year outlook support revenue of at least $1,940 million for 2026.
Also watch forTTEC cuts its full-year revenue outlook below $1,940 million, or reports Q3 results that make that floor unlikely.