NCR ATLEOS CORP (NATL) Fundamental Analysis & Valuation

NYSE:NATL • US63001N1063

Current stock price

45.29 USD
-0.52 (-1.14%)
At close:
45.29 USD
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This NATL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. NATL Profitability Analysis

1.1 Basic Checks

  • In the past year NATL was profitable.
  • NATL had a positive operating cash flow in the past year.
  • NATL had positive earnings in 4 of the past 5 years.
  • Each year in the past 5 years NATL had a positive operating cash flow.
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 2025 0 200M 400M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 3.16%, NATL is in the better half of the industry, outperforming 70.71% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 44.42%, NATL belongs to the top of the industry, outperforming 94.95% of the companies in the same industry.
  • With an excellent Return On Invested Capital value of 11.46%, NATL belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
  • NATL had an Average Return On Invested Capital over the past 3 years of 8.47%. This is in line with the industry average of 8.00%.
  • The last Return On Invested Capital (11.46%) for NATL is above the 3 year average (8.47%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 3.16%
ROE 44.42%
ROIC 11.46%
ROA(3y)0.65%
ROA(5y)1.43%
ROE(3y)7.42%
ROE(5y)6.71%
ROIC(3y)8.47%
ROIC(5y)7.46%
NATL Yearly ROA, ROE, ROICNATL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40

1.3 Margins

  • NATL has a worse Profit Margin (3.36%) than 64.65% of its industry peers.
  • In the last couple of years the Profit Margin of NATL has declined.
  • The Operating Margin of NATL (10.76%) is comparable to the rest of the industry.
  • NATL's Operating Margin has improved in the last couple of years.
  • NATL's Gross Margin of 24.30% is in line compared to the rest of the industry. NATL outperforms 41.41% of its industry peers.
  • In the last couple of years the Gross Margin of NATL has grown nicely.
Industry RankSector Rank
OM 10.76%
PM (TTM) 3.36%
GM 24.3%
OM growth 3Y12.21%
OM growth 5Y8.74%
PM growth 3Y12.48%
PM growth 5Y-10.24%
GM growth 3Y3.08%
GM growth 5Y1.7%
NATL Yearly Profit, Operating, Gross MarginsNATL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 2025 0 5 10 15 20 25

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2

2. NATL Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so NATL is creating value.
  • Compared to 1 year ago, NATL has more shares outstanding
  • NATL has a better debt/assets ratio than last year.
NATL Yearly Shares OutstandingNATL Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 2025 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 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • Based on the Altman-Z score of 1.72, we must say that NATL is in the distress zone and has some risk of bankruptcy.
  • NATL's Altman-Z score of 1.72 is fine compared to the rest of the industry. NATL outperforms 73.74% of its industry peers.
  • The Debt to FCF ratio of NATL is 13.86, which is on the high side as it means it would take NATL, 13.86 years of fcf income to pay off all of its debts.
  • NATL's Debt to FCF ratio of 13.86 is in line compared to the rest of the industry. NATL outperforms 50.51% of its industry peers.
  • NATL has a Debt/Equity ratio of 6.65. This is a high value indicating a heavy dependency on external financing.
  • NATL's Debt to Equity ratio of 6.65 is on the low side compared to the rest of the industry. NATL is outperformed by 80.81% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.65
Debt/FCF 13.86
Altman-Z 1.72
ROIC/WACC2.11
WACC5.42%
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 2025 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 0.96 indicates that NATL may have some problems paying its short term obligations.
  • With a Current ratio value of 0.96, NATL perfoms like the industry average, outperforming 49.49% of the companies in the same industry.
  • A Quick Ratio of 0.78 indicates that NATL may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.78, NATL is in line with its industry, outperforming 46.46% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.96
Quick Ratio 0.78
NATL Yearly Current Assets VS Current LiabilitesNATL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 2025 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. NATL Growth Analysis

3.1 Past

  • NATL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.88%, which is quite impressive.
  • The Earnings Per Share has been decreasing by -4.59% on average over the past years.
  • NATL shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.56%.
  • The Revenue has been growing slightly by 7.80% on average over the past years.
EPS 1Y (TTM)28.88%
EPS 3Y11.81%
EPS 5Y-4.59%
EPS Q2Q%34.23%
Revenue 1Y (TTM)23.56%
Revenue growth 3Y1.77%
Revenue growth 5Y7.8%
Sales Q2Q%3.97%

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
  • NATL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.59% yearly.
EPS Next Y19.1%
EPS Next 2Y17.95%
EPS Next 3Y23.32%
EPS Next 5YN/A
Revenue Next Year4.1%
Revenue Next 2Y4.17%
Revenue Next 3Y5.59%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
NATL Yearly Revenue VS EstimatesNATL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B 4B 5B
NATL Yearly EPS VS EstimatesNATL Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 2028 2 4 6

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8

4. NATL Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.91, the valuation of NATL can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of NATL is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of NATL to the average of the S&P500 Index (27.71), we can say NATL is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.16 indicates a reasonable valuation of NATL.
  • Based on the Price/Forward Earnings ratio, NATL is valued a bit cheaper than the industry average as 64.65% of the companies are valued more expensively.
  • NATL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.09.
Industry RankSector Rank
PE 10.91
Fwd PE 9.16
NATL Price Earnings VS Forward Price EarningsNATL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 84.85% of the companies in the same industry are more expensive than NATL, based on the Enterprise Value to EBITDA ratio.
  • 65.66% of the companies in the same industry are more expensive than NATL, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 16.7
EV/EBITDA 6.69
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

  • NATL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • NATL has a very decent profitability rating, which 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)0.57
PEG (5Y)N/A
EPS Next 2Y17.95%
EPS Next 3Y23.32%

More info and screens

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

0

5. NATL Dividend Analysis

5.1 Amount

  • NATL does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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NATL Fundamentals: All Metrics, Ratios and Statistics

NCR ATLEOS CORP

NYSE:NATL (4/21/2026, 8:04:00 PM)

After market: 45.29 0 (0%)

45.29

-0.52 (-1.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-26
Earnings (Next)05-05
Inst Owners98.81%
Inst Owner Change-0.24%
Ins Owners1.21%
Ins Owner Change25.66%
Market Cap3.34B
Revenue(TTM)5.33B
Net Income(TTM)179.00M
Analysts74.55
Price Target46.23 (2.08%)
Short Float %3.05%
Short Ratio1.91
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)3.64%
Min EPS beat(2)-0.31%
Max EPS beat(2)7.6%
EPS beat(4)3
Avg EPS beat(4)6.69%
Min EPS beat(4)-0.31%
Max EPS beat(4)11.05%
EPS beat(8)7
Avg EPS beat(8)8.46%
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)-1.47%
Min Revenue beat(2)-1.54%
Max Revenue beat(2)-1.41%
Revenue beat(4)0
Avg Revenue beat(4)-1.72%
Min Revenue beat(4)-3.92%
Max Revenue beat(4)0%
Revenue beat(8)1
Avg Revenue beat(8)-1.21%
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)4.09%
PT rev (3m)4.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.28%
EPS NY rev (1m)1.84%
EPS NY rev (3m)-1.36%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.13%
Valuation
Industry RankSector Rank
PE 10.91
Fwd PE 9.16
P/S 0.63
P/FCF 16.7
P/OCF 9.38
P/B 8.29
P/tB N/A
EV/EBITDA 6.69
EPS(TTM)4.15
EY9.16%
EPS(NY)4.94
Fwd EY10.91%
FCF(TTM)2.71
FCFY5.99%
OCF(TTM)4.83
OCFY10.66%
SpS72.33
BVpS5.46
TBVpS-27.84
PEG (NY)0.57
PEG (5Y)N/A
Graham Number22.5885 (-50.12%)
Profitability
Industry RankSector Rank
ROA 3.16%
ROE 44.42%
ROCE 15.23%
ROIC 11.46%
ROICexc 13.04%
ROICexgc 50.41%
OM 10.76%
PM (TTM) 3.36%
GM 24.3%
FCFM 3.75%
ROA(3y)0.65%
ROA(5y)1.43%
ROE(3y)7.42%
ROE(5y)6.71%
ROIC(3y)8.47%
ROIC(5y)7.46%
ROICexc(3y)9.52%
ROICexc(5y)8.24%
ROICexgc(3y)35.87%
ROICexgc(5y)29.97%
ROCE(3y)11.26%
ROCE(5y)9.91%
ROICexgc growth 3Y35.51%
ROICexgc growth 5YN/A
ROICexc growth 3Y22.7%
ROICexc growth 5YN/A
OM growth 3Y12.21%
OM growth 5Y8.74%
PM growth 3Y12.48%
PM growth 5Y-10.24%
GM growth 3Y3.08%
GM growth 5Y1.7%
F-Score8
Asset Turnover0.94
Health
Industry RankSector Rank
Debt/Equity 6.65
Debt/FCF 13.86
Debt/EBITDA 3.15
Cap/Depr 56.32%
Cap/Sales 2.92%
Interest Coverage 15.94
Cash Conversion 41.83%
Profit Quality 111.73%
Current Ratio 0.96
Quick Ratio 0.78
Altman-Z 1.72
F-Score8
WACC5.42%
ROIC/WACC2.11
Cap/Depr(3y)52.24%
Cap/Depr(5y)52.8%
Cap/Sales(3y)3.32%
Cap/Sales(5y)3.09%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)28.88%
EPS 3Y11.81%
EPS 5Y-4.59%
EPS Q2Q%34.23%
EPS Next Y19.1%
EPS Next 2Y17.95%
EPS Next 3Y23.32%
EPS Next 5YN/A
Revenue 1Y (TTM)23.56%
Revenue growth 3Y1.77%
Revenue growth 5Y7.8%
Sales Q2Q%3.97%
Revenue Next Year4.1%
Revenue Next 2Y4.17%
Revenue Next 3Y5.59%
Revenue Next 5YN/A
EBIT growth 1Y20.34%
EBIT growth 3Y14.19%
EBIT growth 5Y17.22%
EBIT Next Year36.8%
EBIT Next 3Y19.02%
EBIT Next 5YN/A
FCF growth 1Y-2.44%
FCF growth 3Y4.16%
FCF growth 5Y-12.05%
OCF growth 1Y3.49%
OCF growth 3Y9.12%
OCF growth 5Y-2.79%

NCR ATLEOS CORP / NATL Fundamental Analysis FAQ

What is the ChartMill fundamental rating of NCR ATLEOS CORP (NATL) stock?

ChartMill assigns a fundamental rating of 5 / 10 to NATL.


Can you provide the valuation status for NCR ATLEOS CORP?

ChartMill assigns a valuation rating of 8 / 10 to NCR ATLEOS CORP (NATL). This can be considered as Undervalued.


What is the profitability of NATL stock?

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


What is the valuation of NCR ATLEOS CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for NCR ATLEOS CORP (NATL) is 10.91 and the Price/Book (PB) ratio is 8.29.


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 19.1% in the next year.