TDC · NYSE · STOCK
Teradata (TDC) Stock Analysis
$28.05
52W $20.33 – $41.78
58/100
$2.64B
5.7
0.58
Is TDC Bullish or Bearish?
Mixed.
Innellis AI committee rates Teradata Corporation (TDC) Watch with a composite score of 58/100
, based on 6 analysts with 50% agreement.
Last updated September 06, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +1.70 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -18.30 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Macro Analyst sees a compelling case — vix regime is low -- calm backdrop supports risk-taking. Risk Analyst remains cautious — high leverage (debt-to-equity 2.40) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 5.7 is inexpensive for the broad market — Value
- ROE of 114.6% shows genuine earnings power backing the valuation — Value
- EPS growing 319.8% YoY — Growth
- 4 consecutive earnings beats -- consistent execution — Growth
- MACD histogram positive -- bullish momentum — Technical
- VIX regime is low -- calm backdrop supports risk-taking — Macro
Bear Case
- Price-to-book of 12.3x prices in significant intangible value — Value
- Debt-to-equity of 2.40 adds balance-sheet risk to the value case — Value
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- High leverage (debt-to-equity 2.40) amplifies downside in a stress scenario — Risk
- Current ratio of 0.92 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 06, 2026
Overall Committee Score
58/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 70%
of 287 Technology peers
Value Analyst
neutral
55
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ P/E of 5.7 is inexpensive for the broad market
− Price-to-book of 12.3x prices in significant intangible value
Growth Analyst
bullish
60
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 319.8% YoY
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
Risk Analyst
bearish
32
/ 100 · Moderate confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 2.40) amplifies downside in a stress scenario
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 5 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2704.43)
Investment Thesis Evolution
Committee score moved marginally from 58.3 to 58.3.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
Analyst-level changes:
- Value Analyst: +1 bullish signal(s).
Comparing 2026-09-05 to 2026-09-06 (1 day apart).
Technical Analysis
RSI (14)
46.7
Neutral
MACD Histogram
0.216
Bullish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Lh Ll
Support
$25.76
Resistance
$32.02
Bollinger %B
0.56
Inside Bands
Price vs Moving Averages
EMA 9
$28.31
Below
EMA 21
$28.43
Below
EMA 50
$29.36
Below
EMA 200
$29.06
Below
Fundamental Analysis
Valuation
85
Growth
62
Profitability
93
Financial Health
55
Cash Flow
70
Valuation
P/E Ratio
5.7×
P/B Ratio
4.44×
PEG Ratio
0.02
Dividend Yield
0.00%
52W High
$41.78
52W Low
$20.33
Quality & Growth
ROE
5652.2%
ROA
730.8%
Gross Margin
6091.1%
Operating Margin
762.9%
Revenue Growth YoY
—
Debt / Equity
0.17
AI Fundamental Assessment
P/E ratio of 5.7 (inexpensive relative to a 15-40x range); Price-to-book of 4.4x; PEG ratio of 0.0 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 56.5%; Return on assets of 7.3%; Net margin of 27.1%; Gross margin of 60.9%; Current ratio of 0.91 (tight short-term liquidity); Debt-to-equity of 0.17; Free cash flow per share is positive (7.93); Most recent quarter beat estimates by 22.4%; 4 consecutive earnings beats; EPS growth decelerating (+18.9% -> -21.6% QoQ); Analyst estimates flat over recent quarters
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