NCR Atleos Corporation Common Stock (NATL)

FairStock Score: 57/100 — STEADY

Key Financials

AI Analysis

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

At the close on 2026-10-13, NCR Atleos trades at $46.05. The story is a classic Lynch turnaround: after a fiscal 2023 net loss of $150.0M and diluted EPS of -$2.12, the company earned $80.0M in fiscal 2024 and $162.0M in fiscal 2025, then $22.0M in fiscal Q1 2026 (quarter ended 2026-03-31) and $65.0M in fiscal Q2 2026 (quarter ended 2026-06-30). That is real improvement. Profit growth of 66.67% and a Piotroski F-Score of 7/9, both FairStock calculations, support the repair. But revenue is essentially flat: fiscal 2025 revenue was $4.4B, barely above fiscal 2024’s $4.3B, and revenue growth is 0.09%. The ATM, network, and banking-services business has switching costs and long contracts, yet ROCE of 6.34% and Altman Z-Score of 0.78 suggest the moat is not wide and the balance sheet is stretched; debt-to-equity is 6.34. Valuation is mixed. FairStock’s P/E of 17.85, EV/EBITDA of 7.68, PEG of 0.27, and 3.7% FCF yield on $125.0M trailing free cash flow look reasonable if earnings keep rising. But P/B is 7.32, ROE is 48.53%, and the Graham Number is only $19.11, giving a -140.97% margin of safety versus the close. That tells me the market already credits the turnaround. I want evidence that revenue growth and debt reduction follow profit growth before calling this a bargain.

In plain English: NCR Atleos runs cash machines, banking software, and related network services for banks and stores. It has become profitable again after losses, and recent quarterly profit is improving, but sales are almost flat and the company carries a lot of debt. At the recent price, the stock looks expensive compared with its accounting value and a conservative value estimate, even though some cash-based measures look more fair.

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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 Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-K (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

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