NCR ATLEOS CORP (NATL) Stock Fundamental Analysis
NYSE:NATL - New York Stock Exchange, Inc. - US63001N1063 - Common Stock - Currency: USD
We assign a fundamental rating of 4 out of 10 to NATL. NATL was compared to 101 industry peers in the Financial Services industry. NATL has a medium profitability rating, but doesn't score so well on its financial health evaluation. NATL may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
NATL had positive earnings in the past year.
NATL had a positive operating cash flow in the past year.
Of the past 5 years NATL 4 years were profitable.
Each year in the past 5 years NATL had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.02%, NATL is in line with its industry, outperforming 54.46% of the companies in the same industry.
With an excellent Return On Equity value of 42.18%, NATL belongs to the best of the industry, outperforming 94.06% of the companies in the same industry.
NATL's Return On Invested Capital of 10.09% is amongst the best of the industry. NATL outperforms 83.17% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for NATL is below the industry average of 11.84%.
The last Return On Invested Capital (10.09%) for NATL is above the 3 year average (7.73%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.02% | ||
| ROE | 42.18% | ||
| ROIC | 10.09% |
ROA(3y)0.39%
ROA(5y)N/A
ROE(3y)-5.39%
ROE(5y)N/A
ROIC(3y)7.73%
ROIC(5y)N/A
1.3 Margins
NATL has a Profit Margin of 2.73%. This is in the lower half of the industry: NATL underperforms 66.34% of its industry peers.
NATL's Profit Margin has declined in the last couple of years.
NATL has a Operating Margin of 11.58%. This is comparable to the rest of the industry: NATL outperforms 40.59% of its industry peers.
In the last couple of years the Operating Margin of NATL has grown nicely.
NATL's Gross Margin of 24.65% is in line compared to the rest of the industry. NATL outperforms 45.54% of its industry peers.
NATL's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.58% | ||
| PM (TTM) | 2.73% | ||
| GM | 24.65% |
OM growth 3Y5.46%
OM growth 5YN/A
PM growth 3Y-26.18%
PM growth 5YN/A
GM growth 3Y-1.62%
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so NATL is still creating some value.
The number of shares outstanding for NATL has been increased compared to 1 year ago.
NATL has a worse debt/assets ratio than last year.
2.2 Solvency
NATL has an Altman-Z score of 1.32. This is a bad value and indicates that NATL is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.32, NATL is in the better half of the industry, outperforming 64.36% of the companies in the same industry.
NATL has a debt to FCF ratio of 17.24. This is a negative value and a sign of low solvency as NATL would need 17.24 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 17.24, NATL is in line with its industry, outperforming 48.51% of the companies in the same industry.
A Debt/Equity ratio of 10.30 is on the high side and indicates that NATL has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 10.30, NATL is doing worse than 86.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 10.3 | ||
| Debt/FCF | 17.24 | ||
| Altman-Z | 1.32 |
ROIC/WACC1.72
WACC5.86%
2.3 Liquidity
NATL has a Current Ratio of 1.03. This is a normal value and indicates that NATL is financially healthy and should not expect problems in meeting its short term obligations.
With a Current ratio value of 1.03, NATL perfoms like the industry average, outperforming 47.52% of the companies in the same industry.
A Quick Ratio of 0.84 indicates that NATL may have some problems paying its short term obligations.
NATL has a Quick ratio (0.84) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 0.84 |
3. Growth
3.1 Past
NATL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 161.90%, which is quite impressive.
Measured over the past years, NATL shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -22.55% on average per year.
The Revenue has decreased by -0.19% in the past year.
NATL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.75% yearly.
EPS 1Y (TTM)161.9%
EPS 3Y-22.55%
EPS 5YN/A
EPS Q2Q%56.1%
Revenue 1Y (TTM)-0.19%
Revenue growth 3Y6.75%
Revenue growth 5YN/A
Sales Q2Q%-6.67%
3.2 Future
Based on estimates for the next years, NATL will show a very strong growth in Earnings Per Share. The EPS will grow by 23.13% on average per year.
Based on estimates for the next years, NATL will show a small growth in Revenue. The Revenue will grow by 3.21% on average per year.
EPS Next Y25.84%
EPS Next 2Y23.8%
EPS Next 3Y23.13%
EPS Next 5YN/A
Revenue Next Year-0.07%
Revenue Next 2Y2.15%
Revenue Next 3Y3.21%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 7.97, the valuation of NATL can be described as very cheap.
NATL's Price/Earnings ratio is rather cheap when compared to the industry. NATL is cheaper than 81.19% of the companies in the same industry.
NATL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.05.
With a Price/Forward Earnings ratio of 5.57, the valuation of NATL can be described as very cheap.
Based on the Price/Forward Earnings ratio, NATL is valued cheaper than 85.15% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of NATL to the average of the S&P500 Index (37.67), we can say NATL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.97 | ||
| Fwd PE | 5.57 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NATL indicates a rather cheap valuation: NATL is cheaper than 90.10% of the companies listed in the same industry.
NATL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NATL is cheaper than 71.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.96 | ||
| EV/EBITDA | 5.91 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as NATL's earnings are expected to grow with 23.13% in the coming years.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y23.8%
EPS Next 3Y23.13%
5. Dividend
5.1 Amount
No dividends for NATL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
27.51
+1.07 (+4.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners95.51%
Inst Owner Change0%
Ins Owners0.79%
Ins Owner Change33%
Market Cap2.02B
Analysts83.33
Price Target39.9 (45.04%)
Short Float %4.01%
Short Ratio6.65
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.87%
Min EPS beat(2)6.69%
Max EPS beat(2)11.05%
EPS beat(4)4
Avg EPS beat(4)10.82%
Min EPS beat(4)6.69%
Max EPS beat(4)15.09%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-2.72%
Min Revenue beat(2)-3.92%
Max Revenue beat(2)-1.51%
Revenue beat(4)0
Avg Revenue beat(4)-1.93%
Min Revenue beat(4)-3.92%
Max Revenue beat(4)-0.37%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-4.12%
PT rev (3m)-7.74%
EPS NQ rev (1m)1.3%
EPS NQ rev (3m)-19.15%
EPS NY rev (1m)-0.44%
EPS NY rev (3m)-1.06%
Revenue NQ rev (1m)-0.18%
Revenue NQ rev (3m)0.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.97 | ||
| Fwd PE | 5.57 | ||
| P/S | 0.48 | ||
| P/FCF | 11.96 | ||
| P/OCF | 6.33 | ||
| P/B | 7.35 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.91 |
EPS(TTM)3.45
EY12.54%
EPS(NY)4.94
Fwd EY17.94%
FCF(TTM)2.3
FCFY8.36%
OCF(TTM)4.34
OCFY15.79%
SpS57.82
BVpS3.74
TBVpS-30.35
PEG (NY)0.31
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.02% | ||
| ROE | 42.18% | ||
| ROCE | 12.78% | ||
| ROIC | 10.09% | ||
| ROICexc | 11.11% | ||
| ROICexgc | 39.06% | ||
| OM | 11.58% | ||
| PM (TTM) | 2.73% | ||
| GM | 24.65% | ||
| FCFM | 3.98% |
ROA(3y)0.39%
ROA(5y)N/A
ROE(3y)-5.39%
ROE(5y)N/A
ROIC(3y)7.73%
ROIC(5y)N/A
ROICexc(3y)8.53%
ROICexc(5y)N/A
ROICexgc(3y)29.52%
ROICexgc(5y)N/A
ROCE(3y)9.78%
ROCE(5y)N/A
ROICexcg growth 3Y15.06%
ROICexcg growth 5YN/A
ROICexc growth 3Y15.6%
ROICexc growth 5YN/A
OM growth 3Y5.46%
OM growth 5YN/A
PM growth 3Y-26.18%
PM growth 5YN/A
GM growth 3Y-1.62%
GM growth 5YN/A
F-Score7
Asset Turnover0.74
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 10.3 | ||
| Debt/FCF | 17.24 | ||
| Debt/EBITDA | 3.66 | ||
| Cap/Depr | 53% | ||
| Cap/Sales | 3.53% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 41.16% | ||
| Profit Quality | 145.69% | ||
| Current Ratio | 1.03 | ||
| Quick Ratio | 0.84 | ||
| Altman-Z | 1.32 |
F-Score7
WACC5.86%
ROIC/WACC1.72
Cap/Depr(3y)45.95%
Cap/Depr(5y)59.71%
Cap/Sales(3y)2.91%
Cap/Sales(5y)2.57%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)161.9%
EPS 3Y-22.55%
EPS 5YN/A
EPS Q2Q%56.1%
EPS Next Y25.84%
EPS Next 2Y23.8%
EPS Next 3Y23.13%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.19%
Revenue growth 3Y6.75%
Revenue growth 5YN/A
Sales Q2Q%-6.67%
Revenue Next Year-0.07%
Revenue Next 2Y2.15%
Revenue Next 3Y3.21%
Revenue Next 5YN/A
EBIT growth 1Y31.9%
EBIT growth 3Y12.58%
EBIT growth 5YN/A
EBIT Next Year38.25%
EBIT Next 3Y18.88%
EBIT Next 5YN/A
FCF growth 1Y-8.07%
FCF growth 3Y-15.35%
FCF growth 5YN/A
OCF growth 1Y-3.1%
OCF growth 3Y-8.5%
OCF growth 5YN/A