NCR ATLEOS CORP (NATL)
US63001N1063 - Common Stock
NATL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. Both the profitability and financial health of NATL have multiple concerns. NATL has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year NATL has reported negative net income.
In the past year NATL had a positive cash flow from operations.
1.2 Ratios
NATL has a Return On Assets of -3.50%. This is amonst the worse of the industry: NATL underperforms 84.16% of its industry peers.
NATL's Return On Equity of -80.80% is on the low side compared to the rest of the industry. NATL is outperformed by 90.10% of its industry peers.
NATL has a Return On Invested Capital of 7.53%. This is amongst the best in the industry. NATL outperforms 80.20% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for NATL is in line with the industry average of 7.37%.
The last Return On Invested Capital (7.53%) for NATL is above the 3 year average (6.68%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.5% | ||
| ROE | -80.8% | ||
| ROIC | 7.53% |
ROA(3y)0.95%
ROA(5y)N/A
ROE(3y)-13.96%
ROE(5y)N/A
ROIC(3y)6.68%
ROIC(5y)N/A
1.3 Margins
The Operating Margin of NATL (8.68%) is worse than 63.37% of its industry peers.
NATL's Operating Margin has improved in the last couple of years.
NATL has a Gross Margin of 21.88%. This is comparable to the rest of the industry: NATL outperforms 42.57% of its industry peers.
In the last couple of years the Gross Margin of NATL has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.68% | ||
| PM (TTM) | N/A | ||
| GM | 21.88% |
OM growth 3Y7.98%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.21%
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.
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.
2.2 Solvency
NATL has an Altman-Z score of 1.25. This is a bad value and indicates that NATL is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of NATL (1.25) is better than 65.35% of its industry peers.
NATL has a debt to FCF ratio of 20.44. This is a negative value and a sign of low solvency as NATL would need 20.44 years to pay back of all of its debts.
With a Debt to FCF ratio value of 20.44, NATL perfoms like the industry average, outperforming 44.55% of the companies in the same industry.
NATL has a Debt/Equity ratio of 11.68. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 11.68, NATL is not doing good in the industry: 90.10% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.68 | ||
| Debt/FCF | 20.44 | ||
| Altman-Z | 1.25 |
ROIC/WACC1.12
WACC6.71%
2.3 Liquidity
A Current Ratio of 1.07 indicates that NATL should not have too much problems paying its short term obligations.
NATL's Current ratio of 1.07 is in line compared to the rest of the industry. NATL outperforms 51.49% of its industry peers.
A Quick Ratio of 0.89 indicates that NATL may have some problems paying its short term obligations.
NATL has a worse Quick ratio (0.89) than 60.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.07 | ||
| Quick Ratio | 0.89 |
3. Growth
3.1 Past
The earnings per share for NATL have decreased strongly by -223.81% in the last year.
NATL shows a small growth in Revenue. In the last year, the Revenue has grown by 1.45%.
The Revenue has been growing by 11.90% on average over the past years. This is quite good.
EPS 1Y (TTM)-223.81%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-47.7%
Revenue 1Y (TTM)1.45%
Revenue growth 3Y11.9%
Revenue growth 5YN/A
Sales Q2Q%3.94%
3.2 Future
NATL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 93.69% yearly.
Based on estimates for the next years, NATL will show a small growth in Revenue. The Revenue will grow by 4.31% on average per year.
EPS Next Y242.22%
EPS Next 2Y119.76%
EPS Next 3Y93.69%
EPS Next 5YN/A
Revenue Next Year2.62%
Revenue Next 2Y2.87%
Revenue Next 3Y4.31%
Revenue Next 5YN/A
3.3 Evolution
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 negative for NATL. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 6.45, the valuation of NATL can be described as very cheap.
87.13% of the companies in the same industry are more expensive than NATL, based on the Price/Forward Earnings ratio.
NATL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.63.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 6.45 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NATL is valued cheaply inside the industry as 89.11% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, NATL is valued a bit cheaper than 66.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.06 | ||
| EV/EBITDA | 7.25 |
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.
A more expensive valuation may be justified as NATL's earnings are expected to grow with 93.69% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y119.76%
EPS Next 3Y93.69%
5. Dividend
5.1 Amount
NATL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NCR ATLEOS CORP
NYSE:NATL (10/15/2024, 8:04:01 PM)
After market: 28.58 0 (0%)28.58
-0.29 (-1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.07B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 6.45 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.5% | ||
| ROE | -80.8% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 8.68% | ||
| PM (TTM) | N/A | ||
| GM | 21.88% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.75
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.68 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.07 | ||
| Quick Ratio | 0.89 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-223.81%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y242.22%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)1.45%
Revenue growth 3Y11.9%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y