NATL

NCR Atleos

$46.77

+0.45% Oct 21 close

FinancialsS&P 600 Compare

1M 3M 6M 1Y 2Y

NATLSPY

+2.7%

+1.5%

-2.2%

+2.9%

YTD

+22.7%

+23.3%

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What they do

NCR Atleos Corporation, a financial technology company, engages in the provision of self-directed banking solutions to financial institutions, merchants, manufacturers, retailers, and consumers in the United States, rest of the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through three segments: Self-Service Banking; Network; and Telecommunications & Technology (T&T).

Technology · Software - Application

For information only · Important disclosures

Grades vs sector

Momentum

69th percentile in sector

12-1 return: +22.4%
Percentile within its GICS sector across the S&P 1500.

Growth

11th percentile in sector

D-

Revenue growth (YoY): +0.1%
Percentile within its GICS sector across the S&P 1500.

Value

77th percentile in sector

B+

Forward E/P: 11.7% · EBITDA/EV: 14.6%
Percentile within its GICS sector across the S&P 1500.

Profitability

52nd percentile in sector

C+

Profit margin: +4.4% · Return on equity: +48.5%
Percentile within its GICS sector across the S&P 1500.

Revisions

Not enough data yet

–

EPS estimate change, 30 days (current FY): –
30-day change in analysts' current-year EPS estimate; graded across covered stocks.

Our models

Held by 1 of 5 live models: New Highs Growth.

New Highs Growth

4.0% of the book · ranked 68 of 589

Held Quality Growth

Outside this model's universe or screens

Momentum Top 15

Outside this model's universe or screens

Momentum Blend

Not in the current book

Coteau Long Book

Not in the current book

Why it's in the New Highs Growth #68 of 589

Qualified on AI Infrastructure, -6% from 52-week high, earnings +44% y/y, 12-1 momentum +18%. Ranked 68th of 589 at the 2026-09-30 rebalance.

What would knock it out: Drops out if it falls outside the top 25 at the next rebalance (Oct 30). In the latest preview (2026-10-20) it ranks 52nd.

News

More news

NCR Atleos Announces Date of Third Quarter 2026 Earnings Results

Business Wire · Oct 20

Key stats

52-week range$34.13 – $48.13

Valuation and fundamentals

Valuation & fundamentals

Bottom line

Leans expensive

Model read-out from the numbers below, not advice. Score -2 (DCF counts double).

▼DCF (base case)below the price by 99%

•Piotroski F-score5/9

•Net debt / EBITDA2.9x

Discounted cash flow

Bear

$-11

-123%

growth -3% · disc. 10.2% · term. 2.0%

Base

-99%

growth 2% · disc. 9.2% · term. 2.5%

Bull

$16

-66%

growth 5% · disc. 8.2% · term. 3.0%

A DCF starts from trailing free cash flow, so it can overstate value if the last 12 months were unusually strong (or weak). Use the bear case or edit the starting cash flow if so.

Reverse DCFfor context, not a signal

Not enough data to run a reverse DCF.

Edit assumptions · recalculates instantly

Your value per share–

Free cash flow = operating cash flow − capital spending, trailing 12 months (TTM to 2026-06-30). Growth default: average of 3-year revenue CAGR and latest revenue growth, capped at 30%. Years 6–10 fade linearly to terminal growth. Discount rate = 4.25% risk-free assumption + beta 1.00 (n/a) × 5% equity premium, kept within 7–13%. Bear: lower growth, +1 pt discount, 2% terminal. Bull: higher growth, −1 pt, 3%.

Multiples vs Financials

P/E (trailing)

sector median 13.0×

–

Forward P/E

sector median 10.2×

–

EV / EBITDA

sector median 10.9×

–

Price / sales

sector median 2.8×

–

Price / book

sector median 1.6×

–

FCF yield

sector median 8.2%

–

Backlog (remaining performance obligations)

RPO

$2.1B

as of 2026-06-30

vs a year ago

-5%

YoY

× TTM revenue

0.48×

coverage

24-09

24-12

25-03

25-06

25-09

25-12

26-03

26-06

Contracted revenue not yet recognized, from SEC filings (XBRL tag RevenueRemainingPerformanceObligation).

Quality & financial health

Gross margin

–

Operating margin

11.5%

FCF margin

3.6%

Net margin

4.4%

Return on equity

42.2%

Return on invested capital

15.7%

Net debt / EBITDA

2.9×

Current ratio

1.0×

Interest cover

2.0×

Cash conversion (OCF/NI)

1.4×

Piotroski F-score 5/9 · last two fiscal years

✓ Positive net income✓ Positive operating cash flow✓ Return on assets improved✓ Cash flow above net income✓ Long-term debt / assets fell✗ Current ratio improved✗ No share dilution✗ Gross margin improved✗ Asset turnover improved

Analysts

No analyst targets available.

Annual history

FY	Revenue	Net income	Free cash flow
2025	$4.4B	$162.0M	$239.0M
2024	$4.3B	$80.0M	$257.0M
2023	$4.2B	$-150.0M	$247.0M
2022	$4.1B	$99.0M	$216.0M
2021	$3.5B	$186.0M	$369.0M

From the company's 10-K filings via SEC XBRL. 3-year revenue CAGR +1.8%.

Earnings

Next report: 2026-11-04 · before open · EPS est 1.19

EstimateActual (beat)Actual (miss)

Report	EPS est	Actual	Surprise
2026-08-05	0.98	1.49	+52.8%
2026-05-06	0.87	0.65	-25.5%
2026-02-26	1.36	1.49	+9.7%
2025-11-05	1.05	1.09	+3.4%
2025-08-06	0.84	0.93	+10.7%
2025-05-07	0.56	0.64	+13.3%
2025-03-03	1.02	1.11	+8.8%
2024-11-12	0.79	0.89	+12.7%

Insider trades

None

None · None

Sell
–

None

None · None

Sell
–

Stats refreshed 2026-10-21 18:16:44 ET from Yahoo Finance (yfinance). "–" means the data isn't available. Refresh now

coteau

Independent research · Not investment advice · Important disclosures · Contact desk@coteau.app

Coteau Systematic Strategies publishes stock research and model portfolios. Results are hypothetical unless marked Live. Data: Yahoo Finance (15-min delayed), SEC EDGAR and the House Clerk.

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Beta 0.9 · Oct 21, 2026