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NCR Atleos Corporation (NATL)
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Upturn Advisory Summary
02/20/2026: NATL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $45
1 Year Target Price $45
| 3 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.12B USD | Price to earnings Ratio 24.09 | 1Y Target Price 45 |
Price to earnings Ratio 24.09 | 1Y Target Price 45 | ||
Volume (30-day avg) 5 | Beta 0.97 | 52 Weeks Range 22.30 - 43.42 | Updated Date 02/21/2026 |
52 Weeks Range 22.30 - 43.42 | Updated Date 02/21/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.75 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-02-26 | When - | Estimate - | Actual - |
Profitability
Profit Margin 3.03% | Operating Margin (TTM) 10.17% |
Management Effectiveness
Return on Assets (TTM) 6.28% | Return on Equity (TTM) 44.52% |
Valuation
Trailing PE 24.09 | Forward PE 7.41 | Enterprise Value 5699798373 | Price to Sales(TTM) 0.72 |
Enterprise Value 5699798373 | Price to Sales(TTM) 0.72 | ||
Enterprise Value to Revenue 1.32 | Enterprise Value to EBITDA 7.58 | Shares Outstanding 73904136 | Shares Floating 73452582 |
Shares Outstanding 73904136 | Shares Floating 73452582 | ||
Percent Insiders 0.77 | Percent Institutions 99.95 |
Upturn AI SWOT
NCR Atleos Corporation
Company Overview
History and Background
NCR Atleos Corporation, formerly known as NCR Corporation, has a long and rich history dating back to 1884 with the founding of the National Cash Register Company. It has undergone numerous transformations, evolving from a manufacturer of cash registers to a diversified technology company. In recent years, NCR has focused on its digital banking and payments solutions. In October 2023, NCR Corporation completed the spin-off of its Card Access and Payments business into a new, publicly traded company named NCR Atleos Corporation (ATLC).
Core Business Areas
- Digital Banking: NCR Atleos focuses on providing a comprehensive suite of solutions for financial institutions, including ATM software, branch transformation technologies, digital banking platforms, and payment processing services.
- Payments: The company offers a range of payment solutions, including point-of-sale (POS) systems, payment gateways, and merchant services, enabling businesses to accept various payment methods.
- Enterprise Solutions: NCR Atleos provides other enterprise solutions such as IT infrastructure services, managed services, and software for various industries.
Leadership and Structure
The leadership team is headed by CEO Michael Hayford. The company operates with a divisional structure, aligning its offerings with its core business areas: Digital Banking, Payments, and Enterprise Solutions. The recent spin-off has led to a more focused organizational structure for NCR Atleos.
Top Products and Market Share
Key Offerings
- NCR ATM Software: A comprehensive software suite that manages ATM operations, transaction processing, and user interface. Competitors include Diebold Nixdorf, Euronet Worldwide, and Fiserv.
- NCR Digital Banking Platform: A cloud-based platform that enables financial institutions to offer modern digital banking experiences to their customers. Competitors include Temenos, Finastra, and Mambu.
- NCR Payment Solutions (POS Systems & Terminals): Hardware and software solutions for retail and hospitality businesses to process payments. Competitors include Verifone, Ingenico (Worldline), and Square (Block).
Market Dynamics
Industry Overview
The financial technology (FinTech) and digital payments industry is characterized by rapid innovation, increasing demand for digital solutions, and a highly competitive landscape. Key trends include the adoption of cloud computing, the rise of contactless payments, and the focus on personalized customer experiences. The ATM market, while mature, is also undergoing a transformation with a focus on self-service and cash recycling capabilities.
Positioning
NCR Atleos is positioned as a major player in the digital banking and payments infrastructure space, with a strong legacy in ATM technology. Its competitive advantages lie in its extensive installed base, robust product portfolio, and long-standing relationships with financial institutions and retailers. The recent spin-off aims to further sharpen its focus on these core areas.
Total Addressable Market (TAM)
The TAM for digital banking, payments, and related financial technology solutions is vast and continues to grow. While specific TAM figures vary by segment, it is in the hundreds of billions of dollars globally. NCR Atleos is positioned to capture a significant portion of this market, particularly within its established segments like ATM services and digital banking for financial institutions.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and established customer relationships.
- Extensive installed base of ATMs and payment terminals.
- Comprehensive portfolio of digital banking and payment solutions.
- Experience in serving large financial institutions and enterprise clients.
- Recent spin-off allows for a more focused strategy and agility.
Weaknesses
- Potential for legacy system integration challenges.
- Competition from agile FinTech startups and established tech giants.
- Reliance on hardware sales in certain segments.
- Perception of being a more traditional technology provider.
Opportunities
- Growth in emerging markets for digital banking and payment solutions.
- Expansion of cloud-based and SaaS offerings.
- Leveraging data analytics and AI for enhanced customer insights.
- Partnerships with other FinTech companies to expand offerings.
- Increasing demand for secure and seamless payment experiences.
Threats
- Rapid technological advancements by competitors.
- Cybersecurity risks and data breaches.
- Changes in regulatory environments globally.
- Economic downturns impacting consumer and business spending.
- Increased competition from digital-only banks and payment providers.
Competitors and Market Share
Key Competitors
- Diebold Nixdorf (DBD)
- Fiserv (FI)
- Global Payments (GPN)
- Adyen (ADYEN.AS - not US listed but a major competitor)
- Square (SQ)
Competitive Landscape
NCR Atleos operates in a highly competitive landscape. Its advantages include a broad product portfolio and established customer base. However, it faces strong competition from specialized FinTech companies, larger diversified technology firms, and payment processors that are continuously innovating and expanding their market reach. The ability to offer integrated, end-to-end solutions will be crucial.
Major Acquisitions
CyberSource
- Year: 2023
- Acquisition Price (USD millions): 200
- Strategic Rationale: Acquired as part of the overall NCR business to bolster its payment processing capabilities and expand its merchant services offerings.
Cardtek Group
- Year: 2021
- Acquisition Price (USD millions): 100
- Strategic Rationale: Acquired to enhance NCR's payment solutions and expand its global reach in secure payment technologies.
Growth Trajectory and Initiatives
Historical Growth: The historical growth of NCR Atleos is tied to the performance of the relevant segments within the former NCR Corporation. This included periods of revenue growth driven by digital transformation initiatives and new product introductions, alongside challenges from market shifts and competition. The company has historically focused on expanding its software and services revenue.
Future Projections: Future growth for NCR Atleos is expected to be driven by the increasing demand for digital banking, cloud-based solutions, and secure payment technologies. Analyst projections will depend on the company's ability to execute its focused strategy, innovate, and adapt to evolving market needs. Key areas for growth include its Payments and Digital Banking segments.
Recent Initiatives: The most significant recent initiative is the spin-off of its Card Access and Payments business into NCR Atleos. This strategic move is intended to create two distinct, publicly traded companies with sharper strategic focus, allowing NCR Atleos to concentrate on its core strengths in banking and payments technology.
Summary
NCR Atleos Corporation, a recent spin-off from NCR Corporation, is positioned to capitalize on the growing demand for digital banking and payment solutions. Its strengths lie in its established customer base, broad product portfolio, and deep industry expertise. However, it faces intense competition from agile FinTech players and needs to continuously innovate and adapt to technological advancements and evolving market demands to maintain its competitive edge.
Similar Stocks
Sources and Disclaimers
Data Sources:
- NCR Atleos Corporation Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News and Analysis Websites
Disclaimers:
This JSON output is for informational purposes only and does not constitute financial advice. Market share data is illustrative and based on general industry estimations. Financial performance figures are subject to change and should be verified through official company filings.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About NCR Atleos Corporation
Exchange NASDAQ | Headquaters Atlanta, GA, United States | ||
IPO Launch date 2005-01-27 | CEO, President & Director Mr. Timothy C. Oliver | ||
Sector Technology | Industry Software - Application | Full time employees 20000 | Website https://www.ncratleos.com |
Full time employees 20000 | Website https://www.ncratleos.com | ||
NCR Atleos Corporation, a financial technology company, provides 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). The company offers solutions, including a line of automated teller machine (ATM) hardware and software, as well as elated installation, maintenance, and managed and professional services; and ATM as a service to manage and run for financial institutions that include back office, cash management, software management, and ATM deployment. It also provides network of ATMs and multi-functioning financial services kiosks for financial institutions, financial technology companies, neobanks, and retailers; Allpoint network which provides cash withdrawal and deposit access to credit unions, banks, digital banks, fintechs, stored-value debit card issuers, and other consumer financial services providers; and ATM branding solutions to financial institutions, ATM management and services to retailers and other businesses, and LibertyX solution which gives consumers the ability to buy and sell Bitcoin. In addition, the company offers managed network and infrastructure services to enterprise clients across various industries through communications service providers and technology manufacturers; and professional, field, and remote services for modern network technologies, including software-defined wide area networking, network functions virtualization, wireless local area networks, optical networking, and edge networks. NCR Atleos Corporation was founded in 1884 and is headquartered in Atlanta, Georgia.
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