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NCR Atleos Corporation (NATL)
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Upturn Advisory Summary
10/31/2025: NATL (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $44.67
1 Year Target Price $44.67
| 3 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 27.71% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.72B USD | Price to earnings Ratio 21.45 | 1Y Target Price 44.67 |
Price to earnings Ratio 21.45 | 1Y Target Price 44.67 | ||
Volume (30-day avg) 5 | Beta 0.98 | 52 Weeks Range 22.30 - 42.23 | Updated Date 11/2/2025 |
52 Weeks Range 22.30 - 42.23 | Updated Date 11/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.72 |
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 2025-11-05 | When - | Estimate - | Actual - |
Profitability
Profit Margin 3% | Operating Margin (TTM) 11.14% |
Management Effectiveness
Return on Assets (TTM) 6.2% | Return on Equity (TTM) 42.45% |
Valuation
Trailing PE 21.45 | Forward PE 7.41 | Enterprise Value 5554872925 | Price to Sales(TTM) 0.64 |
Enterprise Value 5554872925 | Price to Sales(TTM) 0.64 | ||
Enterprise Value to Revenue 1.3 | Enterprise Value to EBITDA 7.24 | Shares Outstanding 73585992 | Shares Floating 73190099 |
Shares Outstanding 73585992 | Shares Floating 73190099 | ||
Percent Insiders 0.85 | Percent Institutions 96.18 |
Upturn AI SWOT
NCR Atleos Corporation
Company Overview
History and Background
NCR Atleos Corporation was spun off from NCR Corporation in October 2023. NCR Corporation, founded in 1884, has a long history in retail and banking technology. The spinoff created a focused company dedicated to ATM and self-service solutions.
Core Business Areas
- ATM Solutions: Provides ATMs, software, and related services for financial institutions and retailers. Includes hardware, software, maintenance, and managed services.
- Self-Service Banking: Offers self-service kiosks and software solutions for branch transformation and digital banking integration.
- Payment Processing: Facilitates payment processing through its ATM network and related solutions.
Leadership and Structure
Tim O'Loughlin is the CEO. The company has a structured organizational hierarchy common to publicly traded companies, with various executive vice presidents leading different business units and support functions.
Top Products and Market Share
Key Offerings
- ATMs: Provides a wide range of ATMs, including through-the-wall, lobby, and drive-up models. NCR Atleos maintains a significant market share in ATM deployments globally. Competitors include Diebold Nixdorf, Hyosung, and GRG Banking.
- Market Share: While specifics fluctuate, ATLEOS is among the leaders in ATM deployments. Estimated around 20-25% globally across various sub-segments.
- Market Share: Software solution market share is more fragmented, but Allpoint+ gives ATMELOS and edge in service and software offering, data not available
- Software Solutions (Allpoint+):: Offers software solutions for ATM management, security, and transaction processing. Includes solutions for remote management, monitoring, and analytics. Competitors include Diebold Nixdorf and other smaller software vendors specializing in ATM management.
- Managed Services: Provides managed services for ATM fleets, including maintenance, cash management, and monitoring. Competitors include Diebold Nixdorf and third-party maintenance providers.
- Market Share: Managed services data not available.
Market Dynamics
Industry Overview
The ATM market is evolving, driven by factors such as digital banking integration, increased focus on self-service solutions, and the need for improved security. The industry is mature but faces challenges from cashless payment options and the increasing cost of maintaining ATM networks.
Positioning
NCR Atleos Corporation is a leading provider of ATM and self-service banking solutions, leveraging its established brand, extensive installed base, and comprehensive service offerings. It aims to capitalize on the trend towards branch transformation and the need for secure and efficient ATM networks.
Total Addressable Market (TAM)
The global ATM market is estimated to be in the billions of dollars annually. ATLEOS is well-positioned within this TAM, with a significant share of both the ATM hardware and services segments.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Large installed base of ATMs
- Comprehensive portfolio of hardware, software, and services
- Global presence
- Experienced management team
Weaknesses
- Dependence on the ATM market
- Competition from other ATM vendors and digital payment solutions
- Potential for technological obsolescence
- High debt load from the spin-off
Opportunities
- Growth in emerging markets
- Expansion of self-service banking solutions
- Integration of ATMs with digital banking platforms
- Increased demand for ATM security solutions
- Growing adoption of Allpoint+ network
Threats
- Increasing adoption of cashless payment methods
- Economic downturns
- Cybersecurity threats
- Regulatory changes
- Competition from new entrants
Competitors and Market Share
Key Competitors
- Diebold Nixdorf (DBD)
- Hyosung TNS (None)
- GRG Banking (None)
Competitive Landscape
NCR Atleos is a leader in the ATM market, leveraging its history and broad service offerings. Diebold Nixdorf is a key competitor, offering similar ATM solutions. Hyosung and GRG Banking are increasingly competitive, particularly in certain geographies and segments.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is tied to NCR Corporation's previous ATM and self-service businesses.
Future Projections: Future projections are based on analyst expectations for the ATM and self-service banking markets, as well as ATLEOS's ability to execute its strategic initiatives.
Recent Initiatives: Focusing on ATM as a Service (aaS) model, expanding the Allpoint+ network, and integrating ATMs with digital banking platforms.
Summary
NCR Atleos Corporation is a major player in the ATM and self-service banking market, benefitting from its established presence and comprehensive solutions. The spin-off provides opportunities for focused growth but also introduces risks related to debt and market competition. Its success depends on effectively executing its strategy, managing costs, and adapting to the evolving financial landscape. The company faces significant competition and challenges from digital payments. However, the continued need for cash and self-service banking present growth potential.
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Sources and Disclaimers
Data Sources:
- Company press releases
- Industry reports
- Analyst estimates
- Financial news sources
Disclaimers:
The information provided is based on publicly available data and analyst estimates. Actual results may vary. This is not financial advice. Do your own research.
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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