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NCR ATLEOS CORP (NATL) Stock Fundamental Analysis

NYSE:NATL - New York Stock Exchange, Inc. - US63001N1063 - Common Stock - Currency: USD

26.18  +0.64 (+2.51%)

After market: 26.18 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to NATL. NATL was compared to 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on NATL.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

NATL had positive earnings in the past year.
NATL had a positive operating cash flow in the past year.
Of the past 5 years NATL 4 years were profitable.
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 0 200M 400M

1.2 Ratios

NATL has a Return On Assets of 1.64%. This is comparable to the rest of the industry: NATL outperforms 51.49% of its industry peers.
Looking at the Return On Equity, with a value of 35.00%, NATL belongs to the top of the industry, outperforming 93.07% of the companies in the same industry.
NATL's Return On Invested Capital of 10.16% is amongst the best of the industry. NATL outperforms 82.18% of its industry peers.
The Average Return On Invested Capital over the past 3 years for NATL is below the industry average of 11.97%.
The 3 year average ROIC (7.73%) for NATL is below the current ROIC(10.16%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.64%
ROE 35%
ROIC 10.16%
ROA(3y)0.39%
ROA(5y)N/A
ROE(3y)-5.39%
ROE(5y)N/A
ROIC(3y)7.73%
ROIC(5y)N/A
NATL Yearly ROA, ROE, ROICNATL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 0 20 -20 -40

1.3 Margins

NATL has a worse Profit Margin (2.11%) than 67.33% of its industry peers.
NATL's Profit Margin has declined in the last couple of years.
NATL has a Operating Margin (11.47%) which is in line with its industry peers.
NATL's Operating Margin has improved in the last couple of years.
NATL has a Gross Margin (23.93%) which is in line with its industry peers.
In the last couple of years the Gross Margin of NATL has declined.
Industry RankSector Rank
OM 11.47%
PM (TTM) 2.11%
GM 23.93%
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
NATL Yearly Profit, Operating, Gross MarginsNATL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 0 5 10 15 20 25

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2

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.
NATL has more shares outstanding than it did 1 year ago.
The debt/assets ratio for NATL is higher compared to a year ago.
NATL Yearly Shares OutstandingNATL Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 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 1B 2B 3B 4B 5B

2.2 Solvency

Based on the Altman-Z score of 1.36, we must say that NATL is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.36, NATL is in the better half of the industry, outperforming 65.35% of the companies in the same industry.
The Debt to FCF ratio of NATL is 14.36, which is on the high side as it means it would take NATL, 14.36 years of fcf income to pay off all of its debts.
NATL's Debt to FCF ratio of 14.36 is in line compared to the rest of the industry. NATL outperforms 50.49% of its industry peers.
NATL has a Debt/Equity ratio of 11.00. This is a high value indicating a heavy dependency on external financing.
NATL has a Debt to Equity ratio of 11.00. This is amonst the worse of the industry: NATL underperforms 87.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 11
Debt/FCF 14.36
Altman-Z 1.36
ROIC/WACC1.48
WACC6.85%
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 1B 2B 3B

2.3 Liquidity

NATL has a Current Ratio of 1.04. 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 (1.04) which is in line with its industry peers.
NATL has a Quick Ratio of 1.04. This is a bad value and indicates that NATL is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.86, NATL is in line with its industry, outperforming 45.54% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.04
Quick Ratio 0.86
NATL Yearly Current Assets VS Current LiabilitesNATL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 500M 1B 1.5B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 164.46% over the past year.
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 small growth in Revenue. The Revenue has grown by 3.01% 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)164.46%
EPS 3Y-22.55%
EPS 5YN/A
EPS Q2Q%60.87%
Revenue 1Y (TTM)3.01%
Revenue growth 3Y6.75%
Revenue growth 5YN/A
Sales Q2Q%0.91%

3.2 Future

NATL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.18% yearly.
NATL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.10% yearly.
EPS Next Y27.18%
EPS Next 2Y25.6%
EPS Next 3Y24.18%
EPS Next 5YN/A
Revenue Next Year-0.2%
Revenue Next 2Y2.03%
Revenue Next 3Y3.1%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 1B 2B 3B 4B
NATL Yearly EPS VS EstimatesNATL Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 2 4 6

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8

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.13 indicates a reasonable valuation of NATL.
Based on the Price/Earnings ratio, NATL is valued a bit cheaper than 77.23% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.92, NATL is valued rather cheaply.
The Price/Forward Earnings ratio is 6.39, which indicates a rather cheap valuation of NATL.
NATL's Price/Forward Earnings ratio is rather cheap when compared to the industry. NATL is cheaper than 83.17% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.65. NATL is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.13
Fwd PE 6.39
NATL Price Earnings VS Forward Price EarningsNATL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, NATL is valued cheaply inside the industry as 90.10% 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 76.24% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.37
EV/EBITDA 5.62
NATL Per share dataNATL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

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's earnings are expected to grow with 24.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.3
PEG (5Y)N/A
EPS Next 2Y25.6%
EPS Next 3Y24.18%

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0

5. Dividend

5.1 Amount

No dividends for NATL!.
Industry RankSector Rank
Dividend Yield N/A

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NCR ATLEOS CORP

NYSE:NATL (4/24/2025, 8:27:44 PM)

After market: 26.18 0 (0%)

26.18

+0.64 (+2.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-03 2025-03-03/amc
Earnings (Next)05-12 2025-05-12
Inst Owners96.09%
Inst Owner Change0%
Ins Owners0.54%
Ins Owner Change29.58%
Market Cap1.92B
Analysts81.82
Price Target43.25 (65.2%)
Short Float %3.66%
Short Ratio7.43
Dividend
Industry RankSector 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)8.57%
Min EPS beat(2)6.69%
Max EPS beat(2)10.45%
EPS beat(4)4
Avg EPS beat(4)10.22%
Min EPS beat(4)6.69%
Max EPS beat(4)15.09%
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)-0.94%
Min Revenue beat(2)-1.51%
Max Revenue beat(2)-0.37%
Revenue beat(4)1
Avg Revenue beat(4)-0.71%
Min Revenue beat(4)-1.91%
Max Revenue beat(4)0.96%
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)-4.5%
PT rev (3m)10.85%
EPS NQ rev (1m)-1.31%
EPS NQ rev (3m)-4.24%
EPS NY rev (1m)2.53%
EPS NY rev (3m)2.1%
Revenue NQ rev (1m)-2.58%
Revenue NQ rev (3m)-3.41%
Revenue NY rev (1m)-2.1%
Revenue NY rev (3m)-2.57%
Valuation
Industry RankSector Rank
PE 8.13
Fwd PE 6.39
P/S 0.45
P/FCF 9.37
P/OCF 5.59
P/B 7.39
P/tB N/A
EV/EBITDA 5.62
EPS(TTM)3.22
EY12.3%
EPS(NY)4.1
Fwd EY15.64%
FCF(TTM)2.79
FCFY10.67%
OCF(TTM)4.69
OCFY17.9%
SpS58.82
BVpS3.54
TBVpS-30.52
PEG (NY)0.3
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.64%
ROE 35%
ROCE 12.86%
ROIC 10.16%
ROICexc 11.4%
ROICexgc 42%
OM 11.47%
PM (TTM) 2.11%
GM 23.93%
FCFM 4.75%
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 Turnover0.78
Health
Industry RankSector Rank
Debt/Equity 11
Debt/FCF 14.36
Debt/EBITDA 3.66
Cap/Depr 48.43%
Cap/Sales 3.22%
Interest Coverage 13.75
Cash Conversion 43.99%
Profit Quality 225.28%
Current Ratio 1.04
Quick Ratio 0.86
Altman-Z 1.36
F-Score6
WACC6.85%
ROIC/WACC1.48
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)164.46%
EPS 3Y-22.55%
EPS 5YN/A
EPS Q2Q%60.87%
EPS Next Y27.18%
EPS Next 2Y25.6%
EPS Next 3Y24.18%
EPS Next 5YN/A
Revenue 1Y (TTM)3.01%
Revenue growth 3Y6.75%
Revenue growth 5YN/A
Sales Q2Q%0.91%
Revenue Next Year-0.2%
Revenue Next 2Y2.03%
Revenue Next 3Y3.1%
Revenue Next 5YN/A
EBIT growth 1Y38.27%
EBIT growth 3Y12.58%
EBIT growth 5YN/A
EBIT Next Year39.2%
EBIT Next 3Y19.37%
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