NCR Atleos Corporation (NATL) is a publicly traded company in the Technology — Software - Application industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
NCR Atleos Corporation operates as a prominent financial technology firm, specializing in delivering self-service financial solutions. The company serves a diverse global clientele, encompassing financial institutions, merchants, manufacturers, retailers, and individual consumers throughout the United States, the broader Americas, Europe, the Middle East, Africa, and the Asia Pacific region.
Analysis Summary
NCR Atleos Corporation reported revenue of $4.35B in the most recent fiscal year, growing at a 5-year CAGR of 7.8%. Net income reached $162.0M, with a -3.2% 5-year CAGR.
Trailing-twelve-month margins: gross margin 25.3%, operating margin 11.5%, net margin 4.4%. Free cash flow grew at -8.9% CAGR over 5 years.
At the current price of $46.02, NATL trades at a P/E of 17.50 and an ROE of 49.22%. Market capitalisation stands at $3.4B.
Balance sheet quality for NATL: current ratio of 1.0, net debt of $2.44B. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is strong: free cash flow of $239.0M represents 148% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $46.02 |
| Market Cap | $3.4B |
| Exchange | NYSE |
| Country | US |
Valuation Ratios
| P/E Ratio | 17.50 |
| Price / Book | 7.35 |
| EV / EBITDA | 7.57 |
| Dividend Yield | 0.00% |
Profitability
| Return on Equity | 49.22% |
| Return on Invested Capital | 10.90% |
| Return on Assets | 3.46% |
| Gross Margin | 25.35% |
| Operating Margin | 11.45% |
| Net Margin | 4.44% |
Financial Health
| Debt / Equity | 6.33 |
| Current Ratio | 1.03 |
| Piotroski F-Score | 6 |
| Altman Z-Score | 1.42 |
What to look at in Technology companies
- Revenue growth 3y (>=15%/year) — Validates sustained traction, not a one-off.
- Gross margin (Sub-sector dependent) — SaaS >=70%, Internet >=55%, Semis >=45%, Hardware >=35%.
- FCF / Revenue (>=20%) — Real cash generated. Many tech firms dress up non-GAAP earnings.
- ROIC (>=15%) — Capital reinvested efficiency — Buffett's first metric.
- SBC / Revenue (<10% healthy) — Stock-based compensation. Silent dilution: >20% destroys value.
- Net Debt / EBITDA (<=2x (1.5x SaaS)) — Resilience in downturns and rate hikes.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| NATL | NCR Atleos Corporation | $3.4B | 17.50 | 7.35 | 49.2% |
| DAVE | Dave Inc. | $4.9B | 21.90 | 22.19 | 84.4% |
| BRZE | Braze, Inc. | $2.8B | 4.97 | -18.8% | |
| ALRM | Alarm.com Holdings, Inc. | $2.7B | 23.31 | 3.17 | 13.9% |
| NCNO | nCino, Inc. | $2.3B | 70.68 | 2.46 | |
| PTRN | Pattern Group Inc. Series A Common Stock | $3.0B | 5.57 | -23.1% | |
| PAGS | PagSeguro Digital Ltd. | $2.8B | 6.59 | 0.92 | 14.6% |
Price Performance
| 1 month | -0.04% |
| 3 months | +5.39% |
| Year-to-date | +20.65% |
| 1 year | +17.06% |
52-Week Range
| 52-week High | $48.50 |
| 52-week Low | $33.31 |
| Avg Volume (90d) | 710K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2016-08-31 | $0.1400 | 1.22% |
| 2016-05-18 | $0.1400 | 1.22% |
| 2016-03-11 | $0.1400 | 1.22% |
| 2015-11-20 | $0.1300 | 1.13% |
| 2015-08-18 | $0.1300 | 1.13% |
| 2015-05-13 | $0.1300 | 1.13% |
| 2015-03-06 | $0.1300 | 1.13% |
| 2014-11-21 | $0.1200 | 1.04% |
| 2014-08-19 | $0.1200 | 1.04% |
| 2014-05-19 | $0.1200 | 1.04% |
Related companies: ALRM · BL · BRZE · DAVE · NCNO · ODD · PAGS
Explore sector: Technology · Software - Application
More sections of NATL: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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