NCR ATLEOS CORP (NATL)
US63001N1063 - Common Stock
We assign a fundamental rating of 3 out of 10 to NATL. NATL was compared to 101 industry peers in the Financial Services industry. NATL may be in some trouble as it scores bad on both profitability and health. NATL is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
NATL had negative earnings in the past year.
NATL had a positive operating cash flow in the past year.
1.2 Ratios
Looking at the Return On Assets, with a value of -3.50%, NATL is doing worse than 84.16% of the companies in the same industry.
With a Return On Equity value of -80.80%, NATL is not doing good in the industry: 90.10% of the companies in the same industry are doing better.
NATL has a better Return On Invested Capital (7.53%) than 80.20% 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 7.37%.
The 3 year average ROIC (6.68%) for NATL is below the current ROIC(7.53%), indicating increased profibility in the last year.
| 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
NATL has a Operating Margin of 8.68%. This is in the lower half of the industry: NATL underperforms 63.37% of its industry peers.
In the last couple of years the Operating Margin of NATL has grown nicely.
Looking at the Gross Margin, with a value of 21.88%, NATL is in line with its industry, outperforming 42.57% of the companies in the same industry.
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
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
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.
Looking at the Altman-Z score, with a value of 1.25, NATL is in the better half of the industry, outperforming 63.37% of the companies in the same industry.
The Debt to FCF ratio of NATL is 20.44, which is on the high side as it means it would take NATL, 20.44 years of fcf income to pay off all of its debts.
NATL has a Debt to FCF ratio of 20.44. This is comparable to the rest of the industry: NATL outperforms 44.55% of its industry peers.
A Debt/Equity ratio of 11.68 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 11.68, NATL is doing worse than 90.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.68 | ||
| Debt/FCF | 20.44 | ||
| Altman-Z | 1.25 |
ROIC/WACC1.13
WACC6.69%
2.3 Liquidity
NATL has a Current Ratio of 1.07. 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 (1.07) which is comparable to the rest of the industry.
A Quick Ratio of 0.89 indicates that NATL may have some problems paying its short term obligations.
The Quick ratio of NATL (0.89) is worse 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%.
Measured over the past years, NATL shows a quite strong growth in Revenue. The Revenue has been growing by 11.90% on average per year.
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
Based on estimates for the next years, NATL will show a very strong growth in Earnings Per Share. The EPS will grow by 93.69% on average per year.
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
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for NATL. In the last year negative earnings were reported.
NATL is valuated cheaply with a Price/Forward Earnings ratio of 6.48.
Based on the Price/Forward Earnings ratio, NATL is valued cheaper than 87.13% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of NATL to the average of the S&P500 Index (22.70), we can say NATL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 6.48 |
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.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of NATL indicates a somewhat cheap valuation: NATL is cheaper than 66.34% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.13 | ||
| EV/EBITDA | 7.22 |
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 93.69% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y119.76%
EPS Next 3Y93.69%
5. Dividend
5.1 Amount
No dividends for NATL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NCR ATLEOS CORP
NYSE:NATL (10/17/2024, 8:52:28 PM)
After market: 28.72 0 (0%)28.72
+0.1 (+0.35%)
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 Cap2.08B
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)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
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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Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
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 | 6.48 | ||
| 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