NCR ATLEOS CORP (NATL)
US63001N1063 - Common Stock
We assign a fundamental rating of 3 out of 10 to NATL. NATL was compared to 99 industry peers in the Financial Services industry. Both the profitability and financial health of NATL have multiple concerns. NATL is valued quite cheap, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year NATL was profitable.
NATL had a positive operating cash flow in the past year.
1.2 Ratios
Looking at the Return On Assets, with a value of -2.09%, NATL is doing worse than 84.85% of the companies in the same industry.
Looking at the Return On Equity, with a value of -45.45%, NATL is doing worse than 89.90% of the companies in the same industry.
NATL has a better Return On Invested Capital (7.26%) than 77.78% 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 7.84%.
The last Return On Invested Capital (7.26%) for NATL is above the 3 year average (6.68%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.09% | ||
| ROE | -45.45% | ||
| ROIC | 7.26% |
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
With a Operating Margin value of 8.43%, NATL is not doing good in the industry: 60.61% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of NATL has grown nicely.
NATL has a Gross Margin (21.69%) which is in line with its industry peers.
NATL's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.43% | ||
| PM (TTM) | N/A | ||
| GM | 21.69% |
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.
NATL has more shares outstanding than it did 1 year ago.
NATL has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.30, we must say that NATL is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of NATL (1.30) is better than 64.65% of its industry peers.
NATL has a debt to FCF ratio of 25.59. This is a negative value and a sign of low solvency as NATL would need 25.59 years to pay back of all of its debts.
With a Debt to FCF ratio value of 25.59, NATL perfoms like the industry average, outperforming 43.43% of the companies in the same industry.
NATL has a Debt/Equity ratio of 11.01. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 11.01, NATL is doing worse than 89.90% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.01 | ||
| Debt/FCF | 25.59 | ||
| Altman-Z | 1.3 |
ROIC/WACC1.02
WACC7.11%
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 0.88 indicates that NATL may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.88, NATL is in line with its industry, outperforming 42.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.07 | ||
| Quick Ratio | 0.88 |
3. Growth
3.1 Past
NATL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -187.01%.
Looking at the last year, NATL shows a very negative growth in Revenue. The Revenue has decreased by -40.38% in the last year.
The Revenue has been growing by 11.90% on average over the past years. This is quite good.
EPS 1Y (TTM)-187.01%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%139.13%
Revenue 1Y (TTM)-40.38%
Revenue growth 3Y11.9%
Revenue growth 5YN/A
Sales Q2Q%1.03%
3.2 Future
The Earnings Per Share is expected to grow by 55.34% on average over the next years. This is a very strong growth
Based on estimates for the next years, NATL will show a small growth in Revenue. The Revenue will grow by 2.67% on average per year.
EPS Next Y246.67%
EPS Next 2Y109.03%
EPS Next 3Y73.25%
EPS Next 5Y55.34%
Revenue Next Year2.59%
Revenue Next 2Y2.44%
Revenue Next 3Y2.89%
Revenue Next 5Y2.67%
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
A Price/Earnings ratio of 12.06 indicates a correct valuation of NATL.
Based on the Price/Earnings ratio, NATL is valued a bit cheaper than 61.62% of the companies in the same industry.
NATL is valuated cheaply when we compare the Price/Earnings ratio to 27.35, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 8.42, the valuation of NATL can be described as very reasonable.
Based on the Price/Forward Earnings ratio, NATL is valued a bit cheaper than the industry average as 69.70% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.86. NATL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.06 | ||
| Fwd PE | 8.42 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NATL is valued cheaply inside the industry as 84.85% 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 65.66% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.92 | ||
| EV/EBITDA | 7.8 |
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 73.25% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.05
PEG (5Y)N/A
EPS Next 2Y109.03%
EPS Next 3Y73.25%
5. Dividend
5.1 Amount
NATL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NCR ATLEOS CORP
NYSE:NATL (12/30/2024, 11:27:34 AM)
33.76
-0.51 (-1.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners98.5%
Inst Owner ChangeN/A
Ins Owners0.53%
Ins Owner Change0.18%
Market Cap2.45B
Analysts80
Price Target39.02 (15.58%)
Short Float %5.04%
Short Ratio8.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/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)12.77%
Min EPS beat(2)10.45%
Max EPS beat(2)15.09%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)-1.14%
Min Revenue beat(2)-1.91%
Max Revenue beat(2)-0.37%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)0%
PT rev (3m)3.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.1%
EPS NY rev (1m)0%
EPS NY rev (3m)1.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.71%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.06 | ||
| Fwd PE | 8.42 | ||
| P/S | 0.57 | ||
| P/FCF | 20.92 | ||
| P/OCF | 9 | ||
| P/B | 9.27 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.8 |
EPS(TTM)2.8
EY8.29%
EPS(NY)4.01
Fwd EY11.88%
FCF(TTM)1.61
FCFY4.78%
OCF(TTM)3.75
OCFY11.11%
SpS59.42
BVpS3.64
TBVpS-31.36
PEG (NY)0.05
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.09% | ||
| ROE | -45.45% | ||
| ROCE | 9.19% | ||
| ROIC | 7.26% | ||
| ROICexc | 8.07% | ||
| ROICexgc | 28.2% | ||
| OM | 8.43% | ||
| PM (TTM) | N/A | ||
| GM | 21.69% | ||
| FCFM | 2.72% |
ROA(3y)0.95%
ROA(5y)N/A
ROE(3y)-13.96%
ROE(5y)N/A
ROIC(3y)6.68%
ROIC(5y)N/A
ROICexc(3y)7.23%
ROICexc(5y)N/A
ROICexgc(3y)24.81%
ROICexgc(5y)N/A
ROCE(3y)8.46%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
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
F-Score2
Asset Turnover0.75
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.01 | ||
| Debt/FCF | 25.59 | ||
| Debt/EBITDA | 4.46 | ||
| Cap/Depr | 53.63% | ||
| Cap/Sales | 3.6% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 41.72% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.07 | ||
| Quick Ratio | 0.88 | ||
| Altman-Z | 1.3 |
F-Score2
WACC7.11%
ROIC/WACC1.02
Cap/Depr(3y)53.08%
Cap/Depr(5y)N/A
Cap/Sales(3y)2.88%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-187.01%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%139.13%
EPS Next Y246.67%
EPS Next 2Y109.03%
EPS Next 3Y73.25%
EPS Next 5Y55.34%
Revenue 1Y (TTM)-40.38%
Revenue growth 3Y11.9%
Revenue growth 5YN/A
Sales Q2Q%1.03%
Revenue Next Year2.59%
Revenue Next 2Y2.44%
Revenue Next 3Y2.89%
Revenue Next 5Y2.67%
EBIT growth 1Y-38.47%
EBIT growth 3Y20.83%
EBIT growth 5YN/A
EBIT Next Year110.75%
EBIT Next 3Y35.93%
EBIT Next 5Y28.13%
FCF growth 1Y25.99%
FCF growth 3Y-16.28%
FCF growth 5YN/A
OCF growth 1Y29.56%
OCF growth 3Y-4.69%
OCF growth 5YN/A