TTEC Holdings, Inc. — Earnings Quality Grade F
TTEC · Technology
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 78 days, change +3 days YoY
AR outpaced revenue for 2 consecutive years
Revenue -3.2%, CFFO 305.8%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -15.6% vs revenue -3.2%. Normal
SG&A/Gross Profit = 60.1%. Normal
Gross margin 21.8%, change +0.4pp. Stable
Cash Flow Quality
CFFO/NI = -0.63. Below 1.0
FCF $0.1B, FCF/NI = -0.43
Accruals ratio = -20.9%. Low accruals
Cash $0.1B covers only 8% of debt $1.0B
Balance Sheet Health
Goodwill+Intangibles $0.5B = 528% of equity. Over 50%
Interest coverage = 1.3x (<2x). Financial stress
Other assets 8.7% vs revenue -3.2%. Normal
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -32% YoY. Normal
Manipulation Score
M-Score = -3.56 (< -2.22). Unlikely manipulator
Portfolio monitoring
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Beneish M-Score
Altman Z-Score
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25