NCR ATLEOS CORP (NATL) Stock Fundamental Analysis
USA - NYSE:NATL - US63001N1063 - Common Stock
35.62 USD
+0.63 (+1.8%)
35.62 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to NATL. NATL was compared to 98 industry peers in the Financial Services industry. While NATL is still in line with the averages on profitability rating, there are concerns on its financial health. NATL is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year NATL was profitable.
NATL had a positive operating cash flow in the past year.
Of the past 5 years NATL 4 years were profitable.
In the past 5 years NATL always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of NATL (2.27%) is comparable to the rest of the industry.
NATL's Return On Equity of 37.71% is amongst the best of the industry. NATL outperforms 95.92% of its industry peers.
NATL's Return On Invested Capital of 9.96% is amongst the best of the industry. NATL outperforms 83.67% of its industry peers.
NATL had an Average Return On Invested Capital over the past 3 years of 7.73%. This is in line with the industry average of 7.85%.
The last Return On Invested Capital (9.96%) for NATL is above the 3 year average (7.73%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.27% | ||
| ROE | 37.71% | ||
| ROIC | 9.96% |
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
The Profit Margin of NATL (3.09%) is worse than 61.22% of its industry peers.
In the last couple of years the Profit Margin of NATL has declined.
NATL's Operating Margin of 11.59% is in line compared to the rest of the industry. NATL outperforms 48.98% of its industry peers.
In the last couple of years the Operating Margin of NATL has grown nicely.
With a Gross Margin value of 24.52%, NATL perfoms like the industry average, outperforming 43.88% of the companies in the same industry.
NATL's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.59% | ||
| PM (TTM) | 3.09% | ||
| GM | 24.52% |
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
NATL has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
NATL has more shares outstanding than it did 1 year ago.
NATL has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.39, we must say that NATL is in the distress zone and has some risk of bankruptcy.
With a decent Altman-Z score value of 1.39, NATL is doing good in the industry, outperforming 63.27% of the companies in the same industry.
NATL has a debt to FCF ratio of 20.40. This is a negative value and a sign of low solvency as NATL would need 20.40 years to pay back of all of its debts.
NATL has a Debt to FCF ratio of 20.40. This is comparable to the rest of the industry: NATL outperforms 45.92% of its industry peers.
NATL has a Debt/Equity ratio of 8.05. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 8.05, NATL is not doing good in the industry: 83.67% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.05 | ||
| Debt/FCF | 20.4 | ||
| Altman-Z | 1.39 |
ROIC/WACC2.16
WACC4.6%
2.3 Liquidity
A Current Ratio of 1.05 indicates that NATL should not have too much problems paying its short term obligations.
NATL has a Current ratio of 1.05. This is comparable to the rest of the industry: NATL outperforms 50.00% of its industry peers.
NATL has a Quick Ratio of 1.05. This is a bad value and indicates that NATL is not financially healthy enough and could expect problems in meeting 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 | 1.05 | ||
| 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 34.64%, 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 been growing slightly by 3.01% in the past year.
Measured over the past years, NATL shows a small growth in Revenue. The Revenue has been growing by 6.75% on average per year.
EPS 1Y (TTM)34.64%
EPS 3Y-22.55%
EPS 5YN/A
EPS Q2Q%22.47%
Revenue 1Y (TTM)3.01%
Revenue growth 3Y6.75%
Revenue growth 5YN/A
Sales Q2Q%3.99%
3.2 Future
The Earnings Per Share is expected to grow by 23.32% on average over the next years. This is a very strong growth
Based on estimates for the next years, NATL will show a small growth in Revenue. The Revenue will grow by 3.39% on average per year.
EPS Next Y27.06%
EPS Next 2Y23.89%
EPS Next 3Y23.32%
EPS Next 5YN/A
Revenue Next Year0.84%
Revenue Next 2Y2.66%
Revenue Next 3Y3.39%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.45 indicates a reasonable valuation of NATL.
64.29% of the companies in the same industry are more expensive than NATL, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 25.83, NATL is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.21, the valuation of NATL can be described as very cheap.
Based on the Price/Forward Earnings ratio, NATL is valued a bit cheaper than 72.45% of the companies in the same industry.
NATL is valuated cheaply when we compare the Price/Forward Earnings ratio to 32.68, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.45 | ||
| Fwd PE | 7.21 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NATL is valued cheaper than 85.71% of the companies in the same industry.
61.22% of the companies in the same industry are more expensive than NATL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.46 | ||
| EV/EBITDA | 6.63 |
4.3 Compensation for Growth
NATL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of NATL may justify a higher PE ratio.
NATL's earnings are expected to grow with 23.32% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
PEG (5Y)N/A
EPS Next 2Y23.89%
EPS Next 3Y23.32%
5. Dividend
5.1 Amount
NATL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
35.62
+0.63 (+1.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners99.25%
Inst Owner Change0%
Ins Owners0.79%
Ins Owner Change5.09%
Market Cap2.62B
Revenue(TTM)4.32B
Net Income(TTM)132.00M
Analysts83.08
Price Target44.13 (23.89%)
Short Float %3.85%
Short Ratio5.48
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)9.75%
Min EPS beat(2)8.44%
Max EPS beat(2)11.05%
EPS beat(4)4
Avg EPS beat(4)9.16%
Min EPS beat(4)6.69%
Max EPS beat(4)11.05%
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)-1.96%
Min Revenue beat(2)-3.92%
Max Revenue beat(2)0%
Revenue beat(4)0
Avg Revenue beat(4)-1.45%
Min Revenue beat(4)-3.92%
Max Revenue beat(4)0%
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)0%
PT rev (3m)10.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.18%
EPS NY rev (1m)0%
EPS NY rev (3m)0.97%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.89%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.45 | ||
| Fwd PE | 7.21 | ||
| P/S | 0.61 | ||
| P/FCF | 18.46 | ||
| P/OCF | 9.13 | ||
| P/B | 7.49 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.63 |
EPS(TTM)3.77
EY10.58%
EPS(NY)4.94
Fwd EY13.88%
FCF(TTM)1.93
FCFY5.42%
OCF(TTM)3.9
OCFY10.95%
SpS58.02
BVpS4.76
TBVpS-29.04
PEG (NY)0.35
PEG (5Y)N/A
Graham Number20.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.27% | ||
| ROE | 37.71% | ||
| ROCE | 12.61% | ||
| ROIC | 9.96% | ||
| ROICexc | 10.95% | ||
| ROICexgc | 36.11% | ||
| OM | 11.59% | ||
| PM (TTM) | 3.09% | ||
| GM | 24.52% | ||
| FCFM | 3.33% |
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
ROICexgc growth 3Y15.06%
ROICexgc 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-Score6
Asset Turnover0.73
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.05 | ||
| Debt/FCF | 20.4 | ||
| Debt/EBITDA | 3.61 | ||
| Cap/Depr | 51.06% | ||
| Cap/Sales | 3.4% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 36.84% | ||
| Profit Quality | 107.58% | ||
| Current Ratio | 1.05 | ||
| Quick Ratio | 0.84 | ||
| Altman-Z | 1.39 |
F-Score6
WACC4.6%
ROIC/WACC2.16
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)34.64%
EPS 3Y-22.55%
EPS 5YN/A
EPS Q2Q%22.47%
EPS Next Y27.06%
EPS Next 2Y23.89%
EPS Next 3Y23.32%
EPS Next 5YN/A
Revenue 1Y (TTM)3.01%
Revenue growth 3Y6.75%
Revenue growth 5YN/A
Sales Q2Q%3.99%
Revenue Next Year0.84%
Revenue Next 2Y2.66%
Revenue Next 3Y3.39%
Revenue Next 5YN/A
EBIT growth 1Y32.71%
EBIT growth 3Y12.58%
EBIT growth 5YN/A
EBIT Next Year38.78%
EBIT Next 3Y18.85%
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
NCR ATLEOS CORP / NATL FAQ
What is the ChartMill fundamental rating of NCR ATLEOS CORP (NATL) stock?
ChartMill assigns a fundamental rating of 5 / 10 to NATL.
What is the valuation status of NCR ATLEOS CORP (NATL) stock?
ChartMill assigns a valuation rating of 8 / 10 to NCR ATLEOS CORP (NATL). This can be considered as Undervalued.
Can you provide the profitability details for NCR ATLEOS CORP?
NCR ATLEOS CORP (NATL) has a profitability rating of 6 / 10.
What are the PE and PB ratios of NCR ATLEOS CORP (NATL) stock?
The Price/Earnings (PE) ratio for NCR ATLEOS CORP (NATL) is 9.45 and the Price/Book (PB) ratio is 7.49.