WallStSmart

Microsoft Corporation (MSFT)vsTTEC Holdings Inc (TTEC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Microsoft Corporation generates 15064% more annual revenue ($318.27B vs $2.10B). MSFT leads profitability with a 39.3% profit margin vs -9.6%. TTEC appears more attractively valued with a PEG of 0.24. MSFT earns a higher WallStSmart Score of 72/100 (B).

MSFT

Strong Buy

72

out of 100

Grade: B

Growth: 8.0Profit: 9.5Value: 5.7Quality: 7.0
Piotroski: 4/9Altman Z: 2.51

TTEC

Hold

40

out of 100

Grade: D

Growth: 2.0Profit: 3.5Value: 6.7Quality: 6.0
Piotroski: 6/9Altman Z: 1.84

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MSFT6 strengths · Avg: 9.8/10
Market CapQuality
$3.28T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
30.2%10/10

Every $100 of equity generates 30 in profit

Profit MarginProfitability
39.3%10/10

Keeps 39 of every $100 in revenue as profit

Operating MarginProfitability
46.3%10/10

Strong operational efficiency at 46.3%

Free Cash FlowQuality
$15.80B10/10

Generating 15.8B in free cash flow

Debt/EquityHealth
0.149/10

Conservative balance sheet, low leverage

TTEC2 strengths · Avg: 10.0/10
PEG RatioValuation
0.2410/10

Growing faster than its price suggests

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Areas to Watch

MSFT1 concerns · Avg: 4.0/10
P/E RatioValuation
26.3x4/10

Moderate valuation

TTEC4 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.844/10

Grey zone — moderate risk

Market CapQuality
$111.91M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
4.1%3/10

Operating margin of 4.1%

Return on EquityProfitability
-241.2%2/10

ROE of -241.2% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull Case : MSFT

The strongest argument for MSFT centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 39.3% and operating margin at 46.3%. Revenue growth of 18.3% demonstrates continued momentum.

Bull Case : TTEC

The strongest argument for TTEC centers on PEG Ratio, Price/Book. PEG of 0.24 suggests the stock is reasonably priced for its growth.

Bear Case : MSFT

The primary concerns for MSFT are P/E Ratio.

Bear Case : TTEC

The primary concerns for TTEC are Altman Z-Score, Market Cap, Operating Margin. Debt-to-equity of 11.65 is elevated, increasing financial risk.

Key Dynamics to Monitor

MSFT profiles as a growth stock while TTEC is a turnaround play — different risk/reward profiles.

MSFT carries more volatility with a beta of 1.09 — expect wider price swings.

MSFT is growing revenue faster at 18.3% — sustainability is the question.

MSFT generates stronger free cash flow (15.8B), providing more financial flexibility.

Bottom Line

MSFT scores higher overall (72/100 vs 40/100), backed by strong 39.3% margins and 18.3% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Microsoft Corporation

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Microsoft Corporation is an American multinational technology company which produces computer software, consumer electronics, personal computers, and related services. Its best known software products are the Microsoft Windows line of operating systems, the Microsoft Office suite, and the Internet Explorer and Edge web browsers. Its flagship hardware products are the Xbox video game consoles and the Microsoft Surface lineup of touchscreen personal computers. Microsoft ranked No. 21 in the 2020 Fortune 500 rankings of the largest United States corporations by total revenue; it was the world's largest software maker by revenue as of 2016. It is considered one of the Big Five companies in the U.S. information technology industry, along with Google, Apple, Amazon, and Facebook.

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TTEC Holdings Inc

TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA

TTEC Holdings, Inc., a customer experience services and technology company, focuses on designing, implementing and delivering a transformative customer experience for various brands. The company is headquartered in Englewood, Colorado.

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