Screened 2026-09-15 · the tape above runs as of 07:00 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its accumulation label.
Teradata Corporation holds its Accumulation at $29.39. Consolidating, no directional conviction, held for 46 days.
As held on the ledger · 2026-09-15
Phase
Accumulation
Quantitative state
Consolidating, no directional conviction, held for 46 days
Price at the screen
$29.39
Valuation
6.19 trailing · 10.09 forward price to earnings
Values screen
PASS· score 70.0
Beta
0.58
The Workings
Five Screens, Shown in Full
Full pass across all five screens. This security clears the Titan Ethical Standard: its business and its balance sheet both stay inside the lines.
Test
Figure
Limit
What it means
Status
Business activity
Permissible
Core business clean
Its core business isn't built on prohibited lines: no gambling, alcohol, tobacco, weapons, or interest-based lending.
Pass
Debt load
31.31%
Below 33%
Interest-bearing debt is just 31.3% of its assets, well under the one-third ceiling: it does not run on borrowed money.
Pass
Interest-bearing cash
0.00%
Below 33%
Cash held in interest-bearing accounts and securities is 0.0% of assets, under the one-third limit.
Pass
Receivables
42.16%
Below 49%
Money owed to the company is 42.2% of assets, under the 49% limit.
Pass
Revenue purity
0.54%
Below 5%
Only 0.5% of revenue comes from non-compliant sources, under the 5% line.
Pass
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
Fair value range in USD, drawn from the 2026-09-15 screen. The gold marker is the market price at the same screen. The price runs 0.1% above the base estimate.
Third-party analyst targets: 8 covering, consensus None. The average target sits +11% from the screen price.
Reading the gap · Our more conservative model reads it as roughly fairly valued here, while the Street is more bullish: a quality-at-a-fair-price name rather than a deep-value one.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-15 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Teradata offers data tools few seem to want
Picture a bank running heavy analytics on old hardware while newer cloud rivals grab the fresh workloads. Teradata sits in that middle ground, selling an AI platform split between product licences and consulting. The numbers show solid profitability at a 25% margin and an eye-catching 118% ROE, yet revenue is expanding only 6% and the opportunity rating sits at none.
We therefore pass. A forward multiple of 10.6x looks reasonable beside the 14% margin of safety to our fair value, and the ethical screen clears without issue. Still, eight analysts cluster on a hold with a $34 median target, signalling that the business lacks the standout growth or competitive edge needed to move the needle.
Competition from larger cloud vendors and uncertain demand for on-premise workloads keep the risk profile elevated. Low single-digit revenue growth leaves little room for disappointment if consulting work softens or customers migrate elsewhere.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
TDC trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The framework has shifted from distribution to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 1.2% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 18% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 45%. Our forward projection puts the odds of a 10% gain over the next month near 26%. The street (9 analysts) rates it hold, with a mean price target of $33.
The framework has shifted from markup to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 17.0% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 18% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 45%. Our forward projection puts the odds of a 10% gain over the next month near 26%. The street (9 analysts) rates it hold, with a mean price target of $33.
2026-07-18Markup$33.00+0.0%Entry 3
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 18% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 45%. Our forward projection puts the odds of a 10% gain over the next month near 26%. The street (9 analysts) rates it hold, with a mean price target of $33.
2026-07-03Markup$33.00+0.0%Entry 2
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen (70). The risk-adjusted return profile shows modest positive risk-adjusted returns.
2026-07-02Markup$33.00Entry 1
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Ethical screening: PASS with passing ethical screen (70). The risk-adjusted return profile shows modest positive risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
