NCR ATLEOS CORP (NATL) Stock Fundamental Analysis
USA - NYSE:NATL - US63001N1063 - Common Stock
39.38 USD
+0.51 (+1.31%)
39.38 USD
0 (0%)
Overall NATL gets a fundamental rating of 4 out of 10. We evaluated NATL against 101 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
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.
Each year in the past 5 years NATL had a positive operating cash flow.
1.2 Ratios
NATL has a Return On Assets of 2.27%. This is comparable to the rest of the industry: NATL outperforms 58.42% of its industry peers.
Looking at the Return On Equity, with a value of 37.71%, NATL belongs to the top of the industry, outperforming 96.04% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 9.96%, NATL belongs to the top of the industry, outperforming 85.15% 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 7.65%.
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
With a Profit Margin value of 3.09%, NATL is not doing good in the industry: 61.39% of the companies in the same industry are doing better.
NATL's Profit Margin has declined in the last couple of years.
NATL has a Operating Margin of 11.59%. This is comparable to the rest of the industry: NATL outperforms 47.52% of its industry peers.
NATL's Operating Margin has improved in the last couple of years.
NATL has a Gross Margin of 24.52%. This is comparable to the rest of the industry: NATL outperforms 41.58% of its industry peers.
In the last couple of years the Gross Margin of NATL has declined.
| 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), NATL is creating some value.
Compared to 1 year ago, NATL has more shares outstanding
NATL has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.42, we must say that NATL is in the distress zone and has some risk of bankruptcy.
NATL has a Altman-Z score of 1.42. This is in the better half of the industry: NATL outperforms 68.32% of its industry peers.
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.
With a Debt to FCF ratio value of 20.40, NATL perfoms like the industry average, outperforming 47.52% of the companies in the same industry.
A Debt/Equity ratio of 8.05 is on the high side and indicates that NATL has dependencies on debt financing.
With a Debt to Equity ratio value of 8.05, NATL is not doing good in the industry: 84.16% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.05 | ||
| Debt/FCF | 20.4 | ||
| Altman-Z | 1.42 |
ROIC/WACC1.65
WACC6.02%
2.3 Liquidity
NATL has a Current Ratio of 1.05. This is a normal value and indicates that NATL is financially healthy and should not expect problems in meeting its short term obligations.
NATL has a Current ratio of 1.05. This is comparable to the rest of the industry: NATL outperforms 49.51% of its industry peers.
A Quick Ratio of 0.84 indicates that NATL may have some problems paying its short term obligations.
NATL's Quick ratio of 0.84 is in line compared to the rest of the industry. NATL outperforms 45.54% of 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 161.38%, 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.
Looking at the last year, NATL shows a decrease in Revenue. The Revenue has decreased by -0.61% 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)161.38%
EPS 3Y-22.55%
EPS 5YN/A
EPS Q2Q%14.81%
Revenue 1Y (TTM)-0.61%
Revenue growth 3Y6.75%
Revenue growth 5YN/A
Sales Q2Q%2.13%
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
The Revenue is expected to grow by 3.39% on average over the next years.
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 11.03.
Based on the Price/Earnings ratio, NATL is valued a bit cheaper than 65.35% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.41, NATL is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.97, the valuation of NATL can be described as very cheap.
Based on the Price/Forward Earnings ratio, NATL is valued a bit cheaper than the industry average as 72.28% of the companies are valued more expensively.
NATL is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.87, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.03 | ||
| Fwd PE | 7.97 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NATL is valued cheaply inside the industry as 86.14% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of NATL indicates a somewhat cheap valuation: NATL is cheaper than 60.40% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.41 | ||
| EV/EBITDA | 6.98 |
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)0.41
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 |
39.38
+0.51 (+1.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners95.86%
Inst Owner Change0%
Ins Owners0.79%
Ins Owner Change7.77%
Market Cap2.90B
Analysts83.08
Price Target44.13 (12.06%)
Short Float %4.04%
Short Ratio3.36
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)10.59%
PT rev (3m)6.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.57%
EPS NY rev (1m)0%
EPS NY rev (3m)0.53%
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 | 11.03 | ||
| Fwd PE | 7.97 | ||
| P/S | 0.68 | ||
| P/FCF | 20.41 | ||
| P/OCF | 10.1 | ||
| P/B | 8.28 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.98 |
EPS(TTM)3.57
EY9.07%
EPS(NY)4.94
Fwd EY12.55%
FCF(TTM)1.93
FCFY4.9%
OCF(TTM)3.9
OCFY9.9%
SpS58.02
BVpS4.76
TBVpS-29.04
PEG (NY)0.41
PEG (5Y)N/A
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
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-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 | 1.42 |
F-Score6
WACC6.02%
ROIC/WACC1.65
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)161.38%
EPS 3Y-22.55%
EPS 5YN/A
EPS Q2Q%14.81%
EPS Next Y27.06%
EPS Next 2Y23.89%
EPS Next 3Y23.32%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.61%
Revenue growth 3Y6.75%
Revenue growth 5YN/A
Sales Q2Q%2.13%
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 Year37.69%
EBIT Next 3Y17.31%
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