What guidance did TTEC Holdings's management provide for the next earnings period?

What is TTEC Holdings's gross profit margin?

What does TTEC Holdings do and what are its main business segments?

What is TTEC Holdings's latest dividend and current dividend yield?

Did TTEC Holdings beat or miss consensus estimates last quarter?

What were the key takeaways from TTEC Holdings’s earnings call?

What factors drove the changes in TTEC Holdings's revenue and profit?

What is the revenue and EPS growth rate for TTEC Holdings year over year?

- **AI-Driven Growth**: 23.3% YoY growth in AI-enabled professional services, with 110+ AI programs across 65 clients. 
- **Operational Efficiency**: Reduced debt by $119M and improved net leverage ratio to 3.46x. 
- **CX Innovation**: Hybrid AI-human models (1/3 automation, 2/3 associate support) improved CX efficiency by 33% YoY. 
- **Health Care Momentum**: Q4 seasonal revenue up 10% YoY, with 2026 contracts for year-round AI-assisted associate workflows. 
- **Cash Flow Strength**: $119M free cash flow (vs. -$100M prior year) and $73M cash on hand. 
- **Risk Mitigation**: 1,000+ public sector clients delaying cloud migrations, creating $15M+ one-off resale revenue opportunities.

**【CEO Summary Section】**
- **Revenue Performance**: Reported a 1.9% year-over-year decline in revenue due to legacy system migrations and AI integration costs, but highlighted 23.3% growth in AI-enabled professional services. 
- **AI Strategy**: Invested $119 million in AI tools for customer journey orchestration, with 110+ AI programs across 65 clients. Emphasized hybrid AI-human models (e.g., 1/3 automation, 2/3 associate support) to improve CX efficiency by 33% YoY.
- **Client Expansion**: Added 11 new clients (4Q25) and 19+ enterprise deals with $50M+ in recurring revenue. Digital segment saw 5.4% growth in recurring revenue.
- **Operational Efficiency**: Reduced debt by $119M (to $813M) and improved net leverage ratio to 3.46x, below industry average of 4.5x.

**【CFO Financial Commentary】**
- **Q3 Results**: GAAP revenue $519M (-1.9% YoY), Adjusted EBITDA $43M (8.4% margin). Digital segment operating income grew 88% YoY on 23.3% higher margins.
- **Cash Flow**: Generated $119M free cash flow (vs. -$100M prior year), with $73M cash on hand. Capital expenditures ($14M/2.7% of revenue) focused on health care seasonal ramps.
- **Tax Strategy**: 53.7% normalized tax rate due to foreign income mix, with $15M+ tax savings from U.S. loss offsets.

**【Q&A Key Highlights】**
- **AI Implementation**: 1,700+ AI engineers supporting 125+ projects across genomics, financial services, and government. Won $15M+ language translation bake-off against 25 competitors.
- **Health Care Growth**: Q4 seasonal health care revenue up 10% YoY, with 2026 contracts for year-round AI-assisted associate workflows.
- **Cloud Migration Risks**: 1,000+ public sector clients delaying cloud migrations, creating $15M+ one-off resale revenue opportunities.
- **Digital Segment**: 5.4% recurring revenue growth offset by 7.9% decline in legacy on-premise solutions. 67% of revenue from hyperscalers.
- **Free Cash Flow**: 2026 guidance for $150M+ free cash flow (vs. $119M 2025), driven by $15M+ annualized cost savings from AI tools.


TTEC Holdings, Inc. (TTEC) Q3 2025 Earnings Call Transcript

Revenue

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

Pretax Income From Continuing Operations

Income Tax Expense

Current Income Tax

Deferred Income Tax

Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

Total Comprehensive Income

Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

Basic EPS from Continuing Operations

Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

TTEC

TTEC fundamentals

You can ask Aime