Stock Ratings / Consumer Discretionary / TTEC

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TTEC Holdings Inc. (TTEC) — RQD Stock Rating Cockpit

$1.57 +7.53% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $1.59

TTEC Holdings Inc. (TTEC) carries a Roarable Rating of D (Sell) with 48/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (48/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $77.4M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $1.59 (+1.17%)🧬 Disciplined Float (+0.72% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 3.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (48/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-5.6% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

3-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TTEC)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (48/100 Composite)

🔍 WHY TTEC SCORES 48/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+13/20 pts (27% of score)

FRED Regime × Technicals: 14% of 52W Range • RSI-14 at 56.8 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Whale & Options Positioning+12/20 pts (25% of score)

20D Institutional Volume Accumulation (±12.5% realized swing band)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution5/20 pts (-15 pt drag)

Disciplined Float (+0.72% YoY Shares) & executive Form 4 sales trim 15 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$1.58-4.4% Next Q

Q2 (-2Q)

Grade C-$1.51+0% Next Q

Q3 (-1Q)

Grade C-$1.51+4% Next Q

Current

Grade D$1.57-5.6% Hist 90D α

Trajectory: C (56) → D (48)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a TTEC Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While TTEC currently carries a cautious 48/100 (D) rating due to Insider Conviction & Share Dilution (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Consumer Discretionary with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($1.39) and Max Pain ($1.65) forces dealer call-delta covering toward $4.19.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (+0.72% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $TTEC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “TTEC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 48%NO 52%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

56.830 Oversold · 70 Hot

ALTMAN-Z SHIELDDISTRESS RISK (<1.8)

1.79>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE14% OF RANGE

L: $1$1.57H: $4

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 10 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 17 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D+RQD 21 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

3-of-3 JEV AI Jury Bearish Warning on TTEC

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (50)

-35.0% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (40)

Altman-Z 1.79 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (50)

17/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like TTEC

✓Established market leader in Consumer Discretionary with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring TTEC)

✓Walkthrough of TTEC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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TTEC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -46.05%▼ DESCENDING CHANNEL

2026-10-30O $1.54H $1.62L $1.53C $1.57VOL 280.7K

RES: $2.44SUP: $0.75SMA50: $1.39SMA200: $2.25

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TTEC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TTEC Butterfly Map → + Track TTEC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. -3.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on TTEC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TTEC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for TTEC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TTEC)

Consumer Discretionary Rank #688 of 1011 ⚔️ MHH vs TTEC Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (TTEC vs. MHH, DLHC, RTB, CTM)

Industry: Professional Services (48 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, TTEC Holdings Inc. (TTEC) ranks #688 by composite RQD confidence (48/100, grade D) and #775 by equity capitalization ($77.4M). Within this direct 5-issuer industry benchmark cohort, TTEC leads on earnings valuation at N/A trailing P/E, while DLHC leads on capital efficiency and profitability with 5.8% ROIC and — gross margin. MHH currently holds the highest overall quantitative score in the immediate peer group at 64/100 (C) compared with TTEC at 48/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
TTEC ACTIVE TTEC Holdings Inc.	D	48/100	—	—	-35.0%	+7.53%	$77.4M	Benchmark Subject
MHH Mastech Digital Inc	C	64/100	—	27.7%	0.0%	-0.47%	$76.0M	/mhh-vs-ttec →
DLHC DLH Holdings Corp.	D	46/100	—	—	5.8%	-0.54%	$53.0M	/dlhc-vs-ttec →
RTB RTB Digital Inc.	D-	41/100	—	47.7%	-35.0%	+1.15%	$118.6M	/rtb-vs-ttec →
CTM Castellum Inc.	D-	36/100	—	36.6%	-6.2%	-4.32%	$47.9M	/ctm-vs-ttec →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001013880

In its most recent audited fiscal period (FY2025, filed 2025-12-31), TTEC Holdings Inc. (TTEC) reported GAAP revenue of $2.14B (-3.2% vs. FY2024 revenue of $2.21B , and -13.2% cumulative change since FY2023) , GAAP net income of -$185.1M, operating cash flow of $121.1M, and free cash flow of $83.0M (+179.8% YoY). On the balance sheet, TTEC closed FY2025 with $1.50B in total assets against $0 in total debt (Altman Z-Score: 1.79, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$2.14B	-$185.1M	$121.1M	$83.0M	$1.50B	—
FY2024 (FY)	2024-12-31	$2.21B	-$310.6M	-$58.8M	-$104.0M	$1.75B	—
FY2023 (FY)	2023-12-31	$2.46B	$18.3M	$144.8M	$144.8M	—	—

3. TTEC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TTEC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, TTEC Holdings Inc. (NASDAQ: TTEC) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 48/100 at a spot price of $1.57 (+7.53% 1D, market cap $77.4M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 8/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 5/20. Across 1011 tracked Consumer Discretionary issuers, TTEC ranks #688 in composite RQD confidence.

How does TTEC compare to MHH and DLHC in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Professional Services), TTEC carries a Roarable D (48/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -35.0%. By comparison, MHH (Mastech Digital Inc) holds a C grade (64/100 RQD, P/E N/A, ROIC 0.0%, cap $76.0M) and DLHC (DLH Holdings Corp.) posts a D grade (46/100 RQD, P/E N/A, ROIC 5.8%, cap $53.0M). Among the 5-stock peer group, TTEC leads on earnings multiple (N/A) while DLHC leads on capital efficiency (5.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for TTEC?

Per TTEC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001013880), TTEC Holdings Inc. generated $2.14B in revenue (-3.2% YoY), -$185.1M in net income, and $83.0M in free cash flow against $1.50B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Consumer Discretionary with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is TTEC trading relative to its 50-day, 200-day, and 52-week technical levels?

TTEC last traded at $1.57 (+7.53% on volume of 816,292 shares), positioning the stock +12.95% above its 50-day simple moving average ($1.39) and -30.22% below its 200-day simple moving average ($2.25). Across its 52-week range of $1.18 to $3.99, TTEC sits at the 13.9% percentile with a 14-day RSI of 56.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±12.5% ($1.37 to $1.77).

TTEC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell TTEC stock right now?

TTEC Holdings Inc. (TTEC) currently earns a Roarable Rating of D (Sell — SELL) with 48/100 RQD Confidence. Stretched risk/reward at current multiples (-35% return on capital) under elevated 10-year interest-rate pressure.

What is TTEC's 12-month price target and RQD AI Jury consensus?

TTEC's 12-month base price target is $1.5 (range $1.17 to $4.19), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: TTEC RQD Cockpit TTEC 12M Forecast TTEC Earnings & Move TTEC Dividends & DRIP TTEC Insiders & 13F TTEC Whale Options TTEC Profit Sankey TTEC News & Why