NCR ATLEOS CORP (NATL) Stock Fundamental Analysis
NYSE:NATL - US63001N1063 - Common Stock
39.77 USD
+0.03 (+0.08%)
Overall NATL gets a fundamental rating of 4 out of 10. We evaluated NATL against 100 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 may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
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.
NATL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.27%, NATL is in line with its industry, outperforming 59.00% of the companies in the same industry.
The Return On Equity of NATL (37.71%) is better than 95.00% of its industry peers.
NATL has a better Return On Invested Capital (9.96%) than 85.00% 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 7.81%.
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
The Profit Margin of NATL (3.09%) is worse than 60.00% of its industry peers.
NATL's Profit Margin has declined in the last couple of years.
NATL has a Operating Margin (11.59%) which is comparable to the rest of the industry.
NATL's Operating Margin has improved in the last couple of years.
NATL has a Gross Margin (24.52%) which is comparable to the rest of the industry.
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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so NATL is still 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
NATL has an Altman-Z score of 1.42. This is a bad value and indicates that NATL is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.42, NATL is in the better half of the industry, outperforming 68.00% of the companies in the same industry.
The Debt to FCF ratio of NATL is 20.40, which is on the high side as it means it would take NATL, 20.40 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 20.40, NATL perfoms like the industry average, outperforming 47.00% 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.
Looking at the Debt to Equity ratio, with a value of 8.05, NATL is doing worse than 84.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.05 | ||
| Debt/FCF | 20.4 | ||
| Altman-Z | 1.42 |
ROIC/WACC1.61
WACC6.19%
2.3 Liquidity
A Current Ratio of 1.05 indicates that NATL should not have too much problems paying its short term obligations.
NATL has a Current ratio of 1.05. This is comparable to the rest of the industry: NATL outperforms 48.00% of its industry peers.
NATL has a Quick Ratio of 1.05. This is a bad value and indicates that NATL is not financially healthy enough and could expect problems in meeting its short term obligations.
NATL's Quick ratio of 0.84 is in line compared to the rest of the industry. NATL outperforms 44.00% 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.
The Revenue has decreased by -0.61% in the past year.
Measured over the past years, NATL shows a small growth in Revenue. The Revenue has been growing by 6.75% on average per year.
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
Based on estimates for the next years, NATL will show a very strong growth in Earnings Per Share. The EPS will grow by 23.32% on average per year.
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
The Price/Earnings ratio is 11.14, which indicates a very decent valuation of NATL.
NATL's Price/Earnings ratio is a bit cheaper when compared to the industry. NATL is cheaper than 67.00% of the companies in the same industry.
NATL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.24.
Based on the Price/Forward Earnings ratio of 8.05, the valuation of NATL can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NATL indicates a somewhat cheap valuation: NATL is cheaper than 71.00% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.81. NATL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.14 | ||
| Fwd PE | 8.05 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NATL is valued cheaply inside the industry as 85.00% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, NATL is valued a bit cheaper than the industry average as 62.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.61 | ||
| EV/EBITDA | 7.01 |
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.
A more expensive valuation may be justified as NATL's earnings are expected to grow with 23.32% in the coming years.
PEG (NY)0.41
PEG (5Y)N/A
EPS Next 2Y23.89%
EPS Next 3Y23.32%
5. Dividend
5.1 Amount
No dividends for NATL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:NATL (8/25/2025, 11:12:28 AM)
39.77
+0.03 (+0.08%)
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 Change18.05%
Market Cap2.93B
Analysts83.08
Price Target44.13 (10.96%)
Short Float %4.27%
Short Ratio3.96
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)2.03%
EPS NQ rev (1m)-3.18%
EPS NQ rev (3m)-2.1%
EPS NY rev (1m)0.97%
EPS NY rev (3m)0.53%
Revenue NQ rev (1m)0.89%
Revenue NQ rev (3m)-0.52%
Revenue NY rev (1m)0.91%
Revenue NY rev (3m)0.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.14 | ||
| Fwd PE | 8.05 | ||
| P/S | 0.69 | ||
| P/FCF | 20.61 | ||
| P/OCF | 10.2 | ||
| P/B | 8.36 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.01 |
EPS(TTM)3.57
EY8.98%
EPS(NY)4.94
Fwd EY12.43%
FCF(TTM)1.93
FCFY4.85%
OCF(TTM)3.9
OCFY9.81%
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
WACC6.19%
ROIC/WACC1.61
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