TTECHIGH SIGNALOPERATIONAL10-K

TTEC underwent a major transformation with revenue quadrupling to $1.5B while pivoting to AI-enabled services and relocating headquarters from Colorado to Texas.

The massive 313% revenue growth suggests a major acquisition or business combination that fundamentally changed TTEC's scale and operations. The strategic pivot from "technology-enabled" to "AI-enabled" customer experiences positions the company in the rapidly growing AI services market, though execution risks remain high given the operational complexity of such a transformation.

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FINANCIAL ANALYSIS

TTEC's financials reflect a dramatic transformation with revenue exploding 313% to $1.5B while the company moved from negative to positive operating cash flow ($121M), though losses persisted with net income improving from -$321M to -$193M. The doubling of interest expense to $78M and declining stockholder equity to -$101M indicate significant debt financing was used to fund this growth, while total assets decreased 14% to $1.5B. Overall, this appears to be a debt-fueled expansion that achieved massive scale and improved operational cash generation, but the company remains unprofitable and highly leveraged.

FINANCIAL STATEMENT CHANGES
Revenue
P&L
+313.5%
$364.9M$1.5B

Strong top-line growth of 313.5% — accelerating demand or successful expansion into new markets.

Operating Cash Flow
Cash Flow
+305.8%
-$58.8M$121.1M

Operating cash flow surged 305.8% — exceptional cash generation, highest quality earnings signal.

Interest Expense
P&L
+117.2%
$36.1M$78.3M

Interest expense surged 117.2% — significant debt increase or rising rates materially impacting earnings.

Stockholders Equity
Balance Sheet
-93.9%
-$52.3M-$101.4M

Equity declined sharply — large losses, buybacks, or write-downs reducing book value significantly.

Net Income
P&L
+40%
-$321.0M-$192.5M

Net income grew 40% — bottom-line growth signals improving overall business health.

Operating Income
P&L
+32.5%
-$173.5M-$117.1M

Operating leverage kicking in — revenue growth outpacing cost growth, a hallmark of scaling businesses.

Total Assets
Balance Sheet
-14.5%
$1.8B$1.5B

Total assets contracted 14.5% — asset sales, write-downs, or balance sheet optimization underway.

LANGUAGE CHANGES
NEW — 2026-02-26
PRIOR — 2025-02-27
ADDED
As of February 20, 2026, there were 48,565,548 shares of the registrant s common stock outstanding.
RISK FACTORS SUMMARY The following is a summary of the principal risks and uncertainties that could adversely affect our business, financial condition, and results of operations.
Risks Related to Our Operations Outside of the United States We face special risks associated with international operations; and Our delivery model involves geographic concentration outside of the United States, exposing us to significant operational risks.
s principal executive offices are located at 100 Congress Avenue, Suite 1425, Austin, Texas 78701.
The Company designs, builds, and operates Artificial Intelligence ( AI ) enabled customer experiences across live interaction channels and provides data-driven digital solutions to help clients improve customer satisfaction and loyalty, increase customer revenue and profitability, and optimize overall cost to serve.
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REMOVED
As of February 21, 2025, there were 47,757,848 shares of the registrant s common stock outstanding.
RISK FACTORS SUMMARY The following is a summary of the principal risks and uncertainties that could adversely affect our business, financial condition, and results of operations (including revenue, profitability and cash flows).
This summary is qualified in its entirety by reference to the more detailed descriptions of the risks and uncertainties included in Part I, Item 1A Risk Factors, and you should read this summary together with those more detailed descriptions.
Risks Related to Our Operations Outside of the United States We face special risks associated with international operations; Our delivery model involves geographic concentration outside of the United States, exposing us to significant operational risks; We may face new risks as we expand into countries where we have no prior experience .
s principal executive offices are located at 6312 South Fiddler s Green Circle, Suite 100N, Greenwood Village, Colorado 80111.
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