NCR ATLEOS CORP (NATL) Stock Fundamental Analysis

NYSE:NATL • US63001N1063

41.99 USD
+0.08 (+0.19%)
Last: Feb 19, 2026, 01:27 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to NATL. NATL was compared to 97 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 has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year NATL was profitable.
  • In the past year NATL had a positive cash flow from operations.
  • Of the past 5 years NATL 4 years were profitable.
  • NATL had a positive operating cash flow in each of the past 5 years.
NATL Yearly Net Income VS EBIT VS OCF VS FCFNATL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 0 200M 400M

1.2 Ratios

  • NATL has a better Return On Assets (2.51%) than 65.98% of its industry peers.
  • NATL has a better Return On Equity (43.03%) than 94.85% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 11.63%, NATL belongs to the top of the industry, outperforming 87.63% of the companies in the same industry.
  • 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 8.38%.
  • The last Return On Invested Capital (11.63%) for NATL is above the 3 year average (7.73%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 2.51%
ROE 43.03%
ROIC 11.63%
ROA(3y)0.39%
ROA(5y)N/A
ROE(3y)-5.39%
ROE(5y)N/A
ROIC(3y)7.73%
ROIC(5y)N/A
NATL Yearly ROA, ROE, ROICNATL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 0 20 -20 -40

1.3 Margins

  • The Profit Margin of NATL (2.68%) is worse than 63.92% of its industry peers.
  • NATL's Profit Margin has declined in the last couple of years.
  • The Operating Margin of NATL (10.76%) is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of NATL has grown nicely.
  • NATL's Gross Margin of 24.33% is in line compared to the rest of the industry. NATL outperforms 42.27% of its industry peers.
  • In the last couple of years the Gross Margin of NATL has declined.
Industry RankSector Rank
OM 10.76%
PM (TTM) 2.68%
GM 24.33%
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
NATL Yearly Profit, Operating, Gross MarginsNATL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 0 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), NATL is creating value.
  • The number of shares outstanding for NATL has been increased compared to 1 year ago.
  • Compared to 1 year ago, NATL has a worse debt to assets ratio.
NATL Yearly Shares OutstandingNATL Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 20M 40M 60M
NATL Yearly Total Debt VS Total AssetsNATL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

  • Based on the Altman-Z score of 1.69, we must say that NATL is in the distress zone and has some risk of bankruptcy.
  • With a decent Altman-Z score value of 1.69, NATL is doing good in the industry, outperforming 73.20% of the companies in the same industry.
  • NATL has a debt to FCF ratio of 52.16. This is a negative value and a sign of low solvency as NATL would need 52.16 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 52.16, NATL is not doing good in the industry: 62.89% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 8.45 is on the high side and indicates that NATL has dependencies on debt financing.
  • NATL has a worse Debt to Equity ratio (8.45) than 83.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 8.45
Debt/FCF 52.16
Altman-Z 1.69
ROIC/WACC1.85
WACC6.28%
NATL Yearly LT Debt VS Equity VS FCFNATL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 1.02 indicates that NATL should not have too much problems paying its short term obligations.
  • NATL has a Current ratio (1.02) which is in line with its industry peers.
  • A Quick Ratio of 0.80 indicates that NATL may have some problems paying its short term obligations.
  • NATL has a Quick ratio of 0.80. This is comparable to the rest of the industry: NATL outperforms 44.33% of its industry peers.
Industry RankSector Rank
Current Ratio 1.02
Quick Ratio 0.8
NATL Yearly Current Assets VS Current LiabilitesNATL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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.
  • NATL shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -22.55% yearly.
  • NATL shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.82%.
  • NATL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.75% yearly.
EPS 1Y (TTM)34.64%
EPS 3Y-22.55%
EPS 5YN/A
EPS Q2Q%22.47%
Revenue 1Y (TTM)22.82%
Revenue growth 3Y6.75%
Revenue growth 5YN/A
Sales Q2Q%3.99%

3.2 Future

  • NATL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.46% yearly.
  • NATL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.13% yearly.
EPS Next Y27.11%
EPS Next 2Y24.75%
EPS Next 3Y23.46%
EPS Next 5YN/A
Revenue Next Year0.93%
Revenue Next 2Y2.44%
Revenue Next 3Y3.13%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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.
NATL Yearly Revenue VS EstimatesNATL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B
NATL Yearly EPS VS EstimatesNATL Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 2 4 6

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.14, the valuation of NATL can be described as very reasonable.
  • NATL's Price/Earnings ratio is in line with the industry average.
  • NATL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.27.
  • Based on the Price/Forward Earnings ratio of 8.38, the valuation of NATL can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, NATL is valued a bit cheaper than the industry average as 63.92% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of NATL to the average of the S&P500 Index (28.16), we can say NATL is valued rather cheaply.
Industry RankSector Rank
PE 11.14
Fwd PE 8.38
NATL Price Earnings VS Forward Price EarningsNATL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • NATL's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. NATL is cheaper than 86.60% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, NATL is valued a bit more expensive than the industry average as 62.89% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 56.42
EV/EBITDA 6.54
NATL Per share dataNATL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 60

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.
  • The decent profitability rating of NATL may justify a higher PE ratio.
  • NATL's earnings are expected to grow with 23.46% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.41
PEG (5Y)N/A
EPS Next 2Y24.75%
EPS Next 3Y23.46%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for NATL!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

NCR ATLEOS CORP

NYSE:NATL (2/19/2026, 1:27:08 PM)

41.99

+0.08 (+0.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05
Earnings (Next)02-26
Inst Owners98.21%
Inst Owner Change0%
Ins Owners0.71%
Ins Owner Change-3.01%
Market Cap3.10B
Revenue(TTM)5.29B
Net Income(TTM)142.00M
Analysts83.08
Price Target44.42 (5.79%)
Short Float %3.84%
Short Ratio7.24
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)1
Avg EPS beat(2)4.06%
Min EPS beat(2)-0.31%
Max EPS beat(2)8.44%
EPS beat(4)3
Avg EPS beat(4)6.47%
Min EPS beat(4)-0.31%
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)-0.7%
Min Revenue beat(2)-1.41%
Max Revenue beat(2)0%
Revenue beat(4)0
Avg Revenue beat(4)-1.71%
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)-0.33%
PT rev (3m)0.66%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.67%
EPS NY rev (1m)0%
EPS NY rev (3m)0.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.68%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.09%
Valuation
Industry RankSector Rank
PE 11.14
Fwd PE 8.38
P/S 0.59
P/FCF 56.42
P/OCF 15.14
P/B 9.4
P/tB N/A
EV/EBITDA 6.54
EPS(TTM)3.77
EY8.98%
EPS(NY)5.01
Fwd EY11.93%
FCF(TTM)0.74
FCFY1.77%
OCF(TTM)2.77
OCFY6.61%
SpS71.58
BVpS4.47
TBVpS-29.07
PEG (NY)0.41
PEG (5Y)N/A
Graham Number19.46
Profitability
Industry RankSector Rank
ROA 2.51%
ROE 43.03%
ROCE 14.72%
ROIC 11.63%
ROICexc 13.01%
ROICexgc 46.06%
OM 10.76%
PM (TTM) 2.68%
GM 24.33%
FCFM 1.04%
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-Score7
Asset Turnover0.94
Health
Industry RankSector Rank
Debt/Equity 8.45
Debt/FCF 52.16
Debt/EBITDA 3.29
Cap/Depr 53.57%
Cap/Sales 2.84%
Interest Coverage 250
Cash Conversion 24.15%
Profit Quality 38.73%
Current Ratio 1.02
Quick Ratio 0.8
Altman-Z 1.69
F-Score7
WACC6.28%
ROIC/WACC1.85
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 Y27.11%
EPS Next 2Y24.75%
EPS Next 3Y23.46%
EPS Next 5YN/A
Revenue 1Y (TTM)22.82%
Revenue growth 3Y6.75%
Revenue growth 5YN/A
Sales Q2Q%3.99%
Revenue Next Year0.93%
Revenue Next 2Y2.44%
Revenue Next 3Y3.13%
Revenue Next 5YN/A
EBIT growth 1Y56.75%
EBIT growth 3Y12.58%
EBIT growth 5YN/A
EBIT Next Year38.48%
EBIT Next 3Y17.77%
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 4 / 10 to NATL.


Can you provide the valuation status for NCR ATLEOS CORP?

ChartMill assigns a valuation rating of 6 / 10 to NCR ATLEOS CORP (NATL). This can be considered as Fairly Valued.


Can you provide the profitability details for NCR ATLEOS CORP?

NCR ATLEOS CORP (NATL) has a profitability rating of 6 / 10.


Can you provide the financial health for NATL stock?

The financial health rating of NCR ATLEOS CORP (NATL) is 2 / 10.


Can you provide the expected EPS growth for NATL stock?

The Earnings per Share (EPS) of NCR ATLEOS CORP (NATL) is expected to grow by 27.11% in the next year.