Diebold Nixdorf Incorporated Common stock (DBD)

FairStock Score: 53/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a student of Graham and Buffett, I start with what the business earns and what it owns. Diebold Nixdorf sells ATMs, cash recyclers, and banking/retail automation to 20,000 employees worldwide. The turnaround is real: in fiscal 2025, the year ended 2025-12-31, filed revenue was $3.8 billion and net income was $94.6 million, or $2.54 per diluted share, after a fiscal 2024 loss of $16.5 million. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $930.8 million and net income was $15.5 million, or $0.44 per diluted share, up from net income of $12.2 million in fiscal Q2 2025. Still, the net margin was only 1.67% in that latest quarter. Growth is tepid: FairStock's revenue growth figure is 1.70%, while profit growth is 27.05%. Financial health is mixed. The debt-to-equity ratio is 1.14, the Altman Z-Score is 0.95, and the Piotroski F-Score is 5/9. Return on equity is 10.94%, but return on capital employed is 5.82%, which suggests capital efficiency is modest. Cash generation is a bright spot: trailing free cash flow was $212.0 million, a 9.6% FCF yield. At the 2026-10-13 close of $65.19, FairStock shows a P/E of 21.59, P/B of 2.29, EV/EBITDA of 7.60, PEG of 0.80, and a Graham Number of $44.01, leaving a negative 48.13% margin of safety. FairStock classifies it as a TURNAROUND: returned to profit after a loss within the last three years. I see improving profits and strong cash flow, but thin margins, modest sales growth, and a price above my conservative value estimate.

In plain English: Diebold Nixdorf makes ATMs and other machines and software that help banks and stores handle cash and customers. The business is improving: after earlier losses, it made a profit in fiscal 2025 and in the first half of 2026, but sales are growing only slightly and profit margins are thin. At the recent price of $65.19, the stock looks more expensive than a simple value check would suggest, even though it produces solid cash flow.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2022 10-K (period ended 2022-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer