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NCR Atleos Corporation (NATL)
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Upturn Advisory Summary
12/24/2025: 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 $45.17
1 Year Target Price $45.17
| 3 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 27.35% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/24/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.85B USD | Price to earnings Ratio 22.05 | 1Y Target Price 45.17 |
Price to earnings Ratio 22.05 | 1Y Target Price 45.17 | ||
Volume (30-day avg) 5 | Beta 0.98 | 52 Weeks Range 22.30 - 42.23 | Updated Date 12/24/2025 |
52 Weeks Range 22.30 - 42.23 | Updated Date 12/24/2025 | ||
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 - | 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 22.05 | Forward PE 7.56 | Enterprise Value 5435960608 | Price to Sales(TTM) 0.66 |
Enterprise Value 5435960608 | Price to Sales(TTM) 0.66 | ||
Enterprise Value to Revenue 1.26 | Enterprise Value to EBITDA 7.23 | Shares Outstanding 73904136 | Shares Floating 73544962 |
Shares Outstanding 73904136 | Shares Floating 73544962 | ||
Percent Insiders 0.83 | Percent Institutions 99.47 |
Upturn AI SWOT
NCR Atleos Corporation
Company Overview
History and Background
NCR Atleos Corporation, formerly known as NCR Corporation, is a global technology company that rebranded its digital-first banking and payments business as Atleos in early 2023. The original NCR Corporation was founded in 1884. Atleos focuses on providing enterprise technology solutions for the financial industry, with a particular emphasis on self-service banking, payment processing, and digital transformation for financial institutions. Key milestones include its evolution from a cash register manufacturer to a diversified technology provider and the recent strategic split to focus on its core banking and payments segments.
Core Business Areas
- Digital Banking Solutions: Provides software and hardware solutions to enable banks to offer digital and self-service banking experiences. This includes ATM software, branch transformation technologies, and digital channel solutions.
- Payments and Network Services: Offers payment processing, network connectivity, and related services for financial institutions and merchants, facilitating secure and efficient transactions.
- Enterprise Software and Services: Develops and delivers a suite of software applications and managed services designed to optimize the operations of financial institutions, including customer relationship management (CRM) and data analytics.
Leadership and Structure
NCR Atleos Corporation is led by a management team that oversees its global operations. The company operates through distinct business units focused on its core segments: digital banking and payments. (Specific leadership names and detailed organizational charts are best obtained from the company's latest investor relations reports or official website).
Top Products and Market Share
Key Offerings
- ATM and Self-Service Solutions: NCR Atleos is a leading provider of ATMs and self-service kiosks for financial institutions. These solutions range from cash dispensers to advanced intelligent deposit systems. Competitors include Diebold Nixdorf, GRGBanking, and Fujitsu. Market share data for specific ATM product lines is proprietary, but NCR has historically held a significant global market share in ATM deployments.
- Digital Banking Platform: Software solutions enabling banks to manage digital channels, customer interactions, and financial transactions. Competitors include Fiserv, Jack Henry & Associates, and Oracle Financial Services Software. Specific revenue or market share for this platform is not publicly granularly reported but is a critical growth area.
- Payment Processing Services: Enables financial institutions and businesses to process various types of electronic payments. Key competitors in this space include Visa, Mastercard, Fidelity National Information Services (FIS), and Global Payments Inc. Market share for specific payment processing services is highly fragmented and competitive.
Market Dynamics
Industry Overview
The financial technology (FinTech) and digital banking industry is characterized by rapid technological advancement, increasing demand for digital customer experiences, and a strong focus on security and compliance. Financial institutions are under pressure to modernize their infrastructure to remain competitive and meet evolving customer expectations. The rise of neobanks and digital-first financial service providers also intensifies competition.
Positioning
NCR Atleos is positioned as a comprehensive technology provider for financial institutions, offering a blend of hardware, software, and services. Its strength lies in its established relationships with a large base of financial institutions and its extensive global service network. The company's competitive advantage stems from its ability to offer integrated solutions that span self-service banking, digital channels, and payment processing.
Total Addressable Market (TAM)
The TAM for digital banking and payments solutions is substantial and continues to grow, driven by digital transformation initiatives across the financial sector worldwide. Analysts estimate the global FinTech market to reach trillions of dollars in the coming years. NCR Atleos is well-positioned to capture a significant portion of this market by leveraging its existing customer base and expanding its digital offerings.
Upturn SWOT Analysis
Strengths
- Established global presence and long-standing customer relationships.
- Comprehensive portfolio of hardware, software, and services for financial institutions.
- Strong brand recognition and reputation in the banking technology sector.
- Extensive service and support network.
- Experience in digital transformation and self-service technologies.
Weaknesses
- Legacy business segments may require continued investment and modernization.
- Dependence on capital expenditures by financial institutions.
- Intense competition from agile FinTech startups and established technology giants.
- Potential for disruption from emerging payment technologies.
Opportunities
- Growing demand for digital banking and personalized customer experiences.
- Expansion into emerging markets with increasing financial inclusion needs.
- Leveraging AI and machine learning for enhanced financial services.
- Strategic partnerships and acquisitions to expand service offerings.
- Cloud-based solutions and subscription models for recurring revenue.
Threats
- Cybersecurity threats and data breaches.
- Regulatory changes and compliance requirements.
- Economic downturns impacting financial institution spending.
- Increased competition from cloud-native FinTech companies.
- Technological obsolescence of hardware and software.
Competitors and Market Share
Key Competitors
- Diebold Nixdorf (DBD)
- Fiserv (FI)
- Jack Henry & Associates (JKHY)
- Global Payments Inc. (GPN)
Competitive Landscape
NCR Atleos faces a highly competitive landscape. Its advantages include its broad product portfolio and extensive service network. However, competitors like Fiserv and Global Payments Inc. are strong in payment processing, while Jack Henry & Associates focuses heavily on core banking software for regional banks. Diebold Nixdorf is a direct competitor in the ATM and self-service hardware space. The ability to offer integrated and evolving digital solutions is critical for maintaining a competitive edge.
Major Acquisitions
Cardtronics plc
- Year: 2021
- Acquisition Price (USD millions): 1700
- Strategic Rationale: Acquisition of Cardtronics significantly expanded NCR's ATM managed services and cash-in-transit capabilities, strengthening its position in the self-service financial ecosystem and providing a recurring revenue stream.
Growth Trajectory and Initiatives
Historical Growth: NCR Atleos has historically grown through a combination of organic expansion and strategic acquisitions. Its growth trajectory has been influenced by the evolving needs of the financial services industry, with a recent emphasis on digital transformation and payment modernization.
Future Projections: Future growth projections for NCR Atleos are influenced by analyst estimates and the company's strategic focus on its digital banking and payments segments. Anticipated growth drivers include the increasing adoption of self-service banking, the demand for integrated payment solutions, and the expansion of its software and services offerings. (Specific analyst projections are proprietary and vary).
Recent Initiatives: Recent initiatives by NCR Atleos likely include investments in cloud-native software development, enhancement of its digital banking platforms, expansion of its payment processing capabilities, and a continued focus on enhancing its ATM and self-service hardware. The rebranding to Atleos itself signifies a strategic pivot towards its core digital-first banking and payments business.
Summary
NCR Atleos Corporation is a prominent player in the financial technology sector, offering a robust suite of hardware, software, and services for banks and payment processors. Its strengths lie in its established market presence and comprehensive offerings. However, it faces intense competition and the need to continuously adapt to rapid technological changes. Continued investment in digital transformation, cloud solutions, and cybersecurity will be crucial for its sustained growth and market leadership.
Similar Stocks
Sources and Disclaimers
Data Sources:
- NCR Atleos Corporation Investor Relations
- Financial News Outlets (e.g., Wall Street Journal, Bloomberg)
- Industry Research Reports
- Company SEC Filings
Disclaimers:
This JSON output is for informational purposes only and does not constitute financial advice. Market share data and financial projections are estimates and subject to change. Investors should conduct their own due diligence before making any investment decisions.
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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