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NCR ATLEOS CORP (NATL) Stock Fundamental Analysis

NYSE:NATL - New York Stock Exchange, Inc. - US63001N1063 - Common Stock - Currency: USD

28.03  +0.4 (+1.45%)

After market: 28.03 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to NATL. NATL was compared to 99 industry peers in the Financial Services industry. There are concerns on the financial health of NATL while its profitability can be described as average. NATL is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

NATL had positive earnings in the past year.
In the past year NATL had a positive cash flow from operations.
Of the past 5 years NATL 4 years were profitable.
In the past 5 years NATL always reported a positive cash flow from operatings.
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 Return On Assets of 2.02%. This is comparable to the rest of the industry: NATL outperforms 54.00% of its industry peers.
With an excellent Return On Equity value of 42.18%, NATL belongs to the best of the industry, outperforming 94.00% of the companies in the same industry.
NATL has a Return On Invested Capital of 10.09%. This is amongst the best in the industry. NATL outperforms 83.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for NATL is below the industry average of 11.83%.
The 3 year average ROIC (7.73%) for NATL is below the current ROIC(10.09%), indicating increased profibility in the last year.
Industry RankSector 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
NATL Yearly ROA, ROE, ROICNATL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 0 20 -20 -40

1.3 Margins

NATL has a worse Profit Margin (2.73%) than 67.00% of its industry peers.
In the last couple of years the Profit Margin of NATL has declined.
NATL has a worse Operating Margin (11.58%) than 60.00% of its industry peers.
NATL's Operating Margin has improved in the last couple of years.
With a Gross Margin value of 24.65%, NATL perfoms like the industry average, outperforming 46.00% of the companies in the same industry.
NATL's Gross Margin has declined in the last couple of years.
Industry RankSector 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
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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2

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.
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

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.
NATL has a Altman-Z score of 1.32. This is in the better half of the industry: NATL outperforms 67.00% of its industry peers.
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.
NATL's Debt to FCF ratio of 17.24 is in line compared to the rest of the industry. NATL outperforms 48.00% of its industry peers.
A Debt/Equity ratio of 10.30 is on the high side and indicates that NATL has dependencies on debt financing.
NATL has a Debt to Equity ratio of 10.30. This is amonst the worse of the industry: NATL underperforms 85.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 10.3
Debt/FCF 17.24
Altman-Z 1.32
ROIC/WACC1.75
WACC5.77%
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

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 48.00% 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 RankSector Rank
Current Ratio 1.03
Quick Ratio 0.84
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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4

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.
NATL shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -22.55% yearly.
Looking at the last year, NATL shows a decrease in Revenue. The Revenue has decreased by -0.19% in the last 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.
The Revenue is expected to grow by 3.21% on average over the next years.
EPS Next Y26.39%
EPS Next 2Y23.53%
EPS Next 3Y23.13%
EPS Next 5YN/A
Revenue Next Year-0.07%
Revenue Next 2Y2.13%
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.
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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8

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.12 indicates a reasonable valuation of NATL.
Based on the Price/Earnings ratio, NATL is valued a bit cheaper than 80.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of NATL to the average of the S&P500 Index (26.35), we can say NATL is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 5.70, the valuation of NATL can be described as very cheap.
Based on the Price/Forward Earnings ratio, NATL is valued cheaper than 84.00% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, NATL is valued rather cheaply.
Industry RankSector Rank
PE 8.12
Fwd PE 5.7
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

Based on the Enterprise Value to EBITDA ratio, NATL is valued cheaper than 88.00% of the companies in the same industry.
NATL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NATL is cheaper than 68.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 12.18
EV/EBITDA 5.96
NATL Per share dataNATL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

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.
NATL's earnings are expected to grow with 23.13% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y23.53%
EPS Next 3Y23.13%

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0

5. Dividend

5.1 Amount

NATL does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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NCR ATLEOS CORP

NYSE:NATL (6/20/2025, 8:04:01 PM)

After market: 28.03 0 (0%)

28.03

+0.4 (+1.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-07 2025-05-07/amc
Earnings (Next)08-11 2025-08-11
Inst Owners95.51%
Inst Owner Change0%
Ins Owners0.79%
Ins Owner Change33%
Market Cap2.06B
Analysts81.82
Price Target41.62 (48.48%)
Short Float %4.05%
Short Ratio7.06
Dividend
Industry RankSector 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)-3.77%
PT rev (3m)-8.11%
EPS NQ rev (1m)-3.49%
EPS NQ rev (3m)-17.62%
EPS NY rev (1m)0%
EPS NY rev (3m)1.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.18%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.96%
Valuation
Industry RankSector Rank
PE 8.12
Fwd PE 5.7
P/S 0.48
P/FCF 12.18
P/OCF 6.45
P/B 7.49
P/tB N/A
EV/EBITDA 5.96
EPS(TTM)3.45
EY12.31%
EPS(NY)4.91
Fwd EY17.53%
FCF(TTM)2.3
FCFY8.21%
OCF(TTM)4.34
OCFY15.49%
SpS57.82
BVpS3.74
TBVpS-30.35
PEG (NY)0.31
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC5.77%
ROIC/WACC1.75
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 Y26.39%
EPS Next 2Y23.53%
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 2Y2.13%
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