NCR ATLEOS CORP (NATL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:NATL - US63001N1063 - Common Stock
37.17 USD
-0.26 (-0.69%)
37.17 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. NATL has a medium profitability rating, but doesn't score so well on its financial health evaluation. NATL is valued quite cheap, while showing a decent growth score. This is a good combination!
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.
NATL had positive earnings in 4 of the past 5 years.
NATL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of NATL (2.51%) is better than 67.35% of its industry peers.
Looking at the Return On Equity, with a value of 43.03%, NATL belongs to the top of the industry, outperforming 95.92% of the companies in the same industry.
NATL's Return On Invested Capital of 11.63% is amongst the best of the industry. NATL outperforms 87.76% of its industry peers.
The Average Return On Invested Capital over the past 3 years for NATL is in line with the industry average of 8.20%.
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 Rank | Sector 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
1.3 Margins
NATL has a Profit Margin of 2.68%. This is in the lower half of the industry: NATL underperforms 66.33% 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.
In the last couple of years the Operating Margin of NATL has grown nicely.
NATL has a Gross Margin (24.33%) which is in line with its industry peers.
In the last couple of years the Gross Margin of NATL has declined.
| Industry Rank | Sector 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
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.
The debt/assets ratio for NATL is higher compared to a year ago.
2.2 Solvency
NATL has an Altman-Z score of 1.65. This is a bad value and indicates that NATL is not financially healthy and even has some risk of bankruptcy.
NATL's Altman-Z score of 1.65 is fine compared to the rest of the industry. NATL outperforms 68.37% of its industry peers.
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.
NATL's Debt to FCF ratio of 52.16 is on the low side compared to the rest of the industry. NATL is outperformed by 62.24% of its industry peers.
NATL has a Debt/Equity ratio of 8.45. This is a high value indicating a heavy dependency on external financing.
NATL's Debt to Equity ratio of 8.45 is on the low side compared to the rest of the industry. NATL is outperformed by 83.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.45 | ||
| Debt/FCF | 52.16 | ||
| Altman-Z | 1.65 |
ROIC/WACC2.49
WACC4.67%
2.3 Liquidity
NATL has a Current Ratio of 1.02. This is a normal value and indicates that NATL is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of NATL (1.02) is comparable to the rest of the industry.
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 44.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.02 | ||
| Quick Ratio | 0.8 |
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.
Looking at the last year, NATL shows a very strong growth in Revenue. The Revenue has grown by 22.82%.
The Revenue has been growing slightly by 6.75% on average over the past years.
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 23.32% yearly.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
NATL is valuated reasonably with a Price/Earnings ratio of 9.86.
62.24% of the companies in the same industry are more expensive than NATL, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.37. NATL is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 7.52, which indicates a rather cheap valuation of NATL.
70.41% of the companies in the same industry are more expensive than NATL, based on the Price/Forward Earnings ratio.
NATL is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.20, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.86 | ||
| Fwd PE | 7.52 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NATL is valued cheaply inside the industry as 88.78% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of NATL is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 49.94 | ||
| EV/EBITDA | 6.15 |
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.
A more expensive valuation may be justified as NATL's earnings are expected to grow with 23.32% in the coming years.
PEG (NY)0.36
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 |
37.17
-0.26 (-0.69%)
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 Change-0.86%
Market Cap2.75B
Revenue(TTM)5.29B
Net Income(TTM)142.00M
Analysts83.08
Price Target44.56 (19.88%)
Short Float %4.01%
Short Ratio6.71
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)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)0.99%
PT rev (3m)0.99%
EPS NQ rev (1m)-2.09%
EPS NQ rev (3m)-2.09%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.17%
Revenue NQ rev (3m)-0.17%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.86 | ||
| Fwd PE | 7.52 | ||
| P/S | 0.52 | ||
| P/FCF | 49.94 | ||
| P/OCF | 13.4 | ||
| P/B | 8.32 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.15 |
EPS(TTM)3.77
EY10.14%
EPS(NY)4.94
Fwd EY13.3%
FCF(TTM)0.74
FCFY2%
OCF(TTM)2.77
OCFY7.46%
SpS71.58
BVpS4.47
TBVpS-29.07
PEG (NY)0.36
PEG (5Y)N/A
Graham Number19.46
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.65 |
F-Score7
WACC4.67%
ROIC/WACC2.49
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)22.82%
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 1Y56.75%
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 9.86 and the Price/Book (PB) ratio is 8.32.