(NATL) NCR Atleos - Overview
Sector: Technology | Industry: Software - Application | Exchange: NASDAQ (USA) | Market Cap: 3.291m USD | Total Return: 65.1% in 12m
Avg Turnover: 29.4M
Qual. Beats: -1
Rev. Trend: 24.6%
Qual. Beats: 0
Warnings
Altman Z'' 0.76 < 1.0 - financial distress zone
Below Avwap Earnings
Tailwinds
No distinct edge detected
NCR Atleos Corporation (NATL) is a financial technology provider specializing in self-directed banking solutions across global markets. The company operates through three primary segments: Self-Service Banking, Network, and Telecommunications & Technology. Its core business includes the manufacturing and maintenance of ATM hardware, the provision of ATM-as-a-Service, and the management of the Allpoint network, which facilitates cash access for traditional and digital financial institutions.
The company operates within the outsourced banking infrastructure sector, where financial institutions increasingly shift from owning hardware to managed-service models to reduce operational complexity. Beyond traditional cash services, NATL provides Bitcoin transaction capabilities via its LibertyX solution and offers managed network services, including software-defined networking and edge computing infrastructure. This business model relies on recurring service revenue and long-term contracts with enterprise clients and retailers.
Reviewing the companys valuation metrics on ValueRay can provide further clarity on its long-term growth trajectory within the fintech space.
- Transition to ATM-as-a-Service model stabilizes recurring revenue and improves operating margins
- Financial institution outsourcing trends drive demand for managed self-service banking infrastructure
- Expansion of Allpoint network increases surcharge-free transaction volume and merchant partnerships
- Interest rate fluctuations impact financing costs for high-capital ATM hardware deployments
- Global cash usage trends influence long-term demand for physical banking touchpoints
| Net Income: 176.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -1.79 > 1.0 |
| NWC/Revenue: -0.81% < 20% (prev 1.15%; Δ -1.97% < -1%) |
| CFO/TA 0.04 > 3% & CFO 224.0m > Net Income 176.0m |
| Net Debt (2.50b) to EBITDA (738.0m): 3.38 < 3 |
| Current Ratio: 0.98 > 1.5 & < 3 |
| Outstanding Shares: last quarter (75.6m) vs 12m ago 0.53% < -2% |
| Gross Margin: 24.07% > 18% (prev 24.61%; Δ -0.54% > 0.5%) |
| Asset Turnover: 77.68% > 50% (prev 73.99%; Δ 3.70% > 0%) |
| Interest Coverage Ratio: 1.68 > 6 (EBIT TTM 460.0m / Interest Expense TTM 274.0m) |
| A: -0.01 (Total Current Assets 1.81b - Total Current Liabilities 1.85b) / Total Assets 5.64b |
| B: 0.05 (Retained Earnings 306.0m / Total Assets 5.64b) |
| C: 0.08 (EBIT TTM 460.0m / Avg Total Assets 5.69b) |
| D: 0.08 (Book Value of Equity 396.0m / Total Liabilities 5.25b) |
| Altman-Z'' = 0.76 = B |
| DSRI: 0.84 (Receivables 575.0m/658.0m, Revenue 4.42b/4.25b) |
| GMI: 1.02 (GM 24.61% / 24.07%) |
| AQI: 1.00 (AQ_t 0.56 / AQ_t-1 0.56) |
| SGI: 1.04 (Revenue 4.42b / 4.25b) |
| TATA: -0.01 (NI 176.0m - CFO 224.0m) / TA 5.64b) |
| Beneish M = -3.11 (Cap -4..+1) = AA |
As of June 07, 2026, the stock is trading at USD 44.15 with a total of 464,476 shares traded.
Over the past week, the price has changed by -1.01%,
over one month by +0.27%,
over three months by -4.73% and
over the past year by +65.11%.
NCR Atleos has received a consensus analysts rating of 4.20. Therefore, it is recommended to buy NATL.
- StrongBuy: 3
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 50.3 | 13.9% |
P/E Trailing = 19.9107
P/E Forward = 9.434
P/S = 0.745
P/B = 8.3116
Revenue TTM = 4.42b USD
EBIT TTM = 460.0m USD
EBITDA TTM = 738.0m USD
Long Term Debt = 2.70b USD (from longTermDebt, last quarter)
Short Term Debt = 80.0m USD (from shortTermDebt, last quarter)
Debt = 2.93b USD (corrected: LT Debt 2.70b + ST Debt 80.0m) + Leases 146.0m
Net Debt = 2.50b USD (calculated: Debt 2.93b - CCE 433.0m)
Enterprise Value = 5.79b USD (3.29b + Debt 2.93b - CCE 433.0m)
Interest Coverage Ratio = 1.68 (Ebit TTM 460.0m / Interest Expense TTM 274.0m)
EV/FCF = 70.58x (Enterprise Value 5.79b / FCF TTM 82.0m)
FCF Yield = 1.42% (FCF TTM 82.0m / Enterprise Value 5.79b)
FCF Margin = 1.86% (FCF TTM 82.0m / Revenue TTM 4.42b)
Net Margin = 3.98% (Net Income TTM 176.0m / Revenue TTM 4.42b)
Gross Margin = 24.07% ((Revenue TTM 4.42b - Cost of Revenue TTM 3.36b) / Revenue TTM)
Gross Margin QoQ = 22.44% (prev 26.56%)
Tobins Q-Ratio = 1.03 (Enterprise Value 5.79b / Total Assets 5.64b)
Interest Expense / Debt = 9.35% (Interest Expense 274.0m / Debt 2.93b)
Taxrate = 14.08% (29.0m / 206.0m)
NOPAT = 395.2m (EBIT 460.0m * (1 - 14.08%))
Current Ratio = 0.98 (Total Current Assets 1.81b / Total Current Liabilities 1.85b)
Debt / Equity = 7.40 (Debt 2.93b / totalStockholderEquity, last quarter 396.0m)
Debt / EBITDA = 3.38 (Net Debt 2.50b / EBITDA 738.0m)
Debt / FCF = 30.44 (Net Debt 2.50b / FCF TTM 82.0m)
Total Stockholder Equity = 369.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 3.09% (Net Income 176.0m / Total Assets 5.64b)
RoE = 47.60% (Net Income TTM 176.0m / Total Stockholder Equity 369.8m)
RoCE = 14.97% (EBIT 460.0m / Capital Employed (Equity 369.8m + L.T.Debt 2.70b))
RoIC = 10.83% (NOPAT 395.2m / Invested Capital 3.65b)
WACC = 8.66% (E(3.29b)/V(6.22b) * Re(9.21%) + D(2.93b)/V(6.22b) * Rd(9.35%) * (1-Tc(0.14)))
Discount Rate = 9.21% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 71.91 | Cagr: 3.09%
[DCF] Terminal Value 71.95% ; FCFF base≈123.6m ; Y1≈108.4m ; Y5≈87.6m
[DCF] Fair Price = N/A (negative equity: EV 1.34b - Net Debt 2.50b = -1.16b; debt exceeds intrinsic value)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: -3.31 | # QB: -1
Revenue Correlation: 24.58 | Revenue CAGR: 0.41% | SUE: -0.17 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.97 | Chg30d=-15.03% | Revisions=-20% | Analysts=2
EPS next Quarter (2026-09-30): EPS=1.17 | Chg30d=-10.00% | Revisions=-20% | Analysts=2
EPS current Year (2026-12-31): EPS=4.20 | Chg30d=-14.00% | Revisions=-33% | GrowthEPS=+1.6% | GrowthRev=+4.0%
EPS next Year (2027-12-31): EPS=5.32 | Chg30d=-6.10% | Revisions=-20% | GrowthEPS=+26.7% | GrowthRev=+3.6%
[Analyst] Revisions Ratio: -33%