Is NCR Atleos (NATL) overvalued or fairly valued?

MarketChacha shows NCR Atleos's valuation in context — a trailing P/E of about 17.7, a forward P/E of about 8.5, a price-to-book of about 7.3 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does NCR Atleos's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (11.47×) from reported figures — education, not a rating.

What is NCR Atleos's revenue?

NCR Atleos reported revenue of $4.4B for FY2025, with net profit of $162.0M, per official filings.

What is the share price of NCR Atleos (NATL)?

NCR Atleos last traded at $45.62 (-0.4% on the day), as of 9/3/2026 — a delayed quote shown for education, not investment advice.

NCR Atleos

NATL · NYSE · Financials · United States

Snapshot

TickerNATL

ExchangeNYSE

SectorFinancials

IndustrySoftware - Application

CountryUnited States

Employees20,000

HeadquartersAtlanta, United States

Websitewww.ncratleos.com

Filings tracked21

About NCR Atleos

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). It 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. The company 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, it 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.

Who owns it

Insiders1.3%
Institutions98.7%
Public & other0.0%

468 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.65%
Vanguard Portfolio Management LLC5.80%
Bank of America Corporation5.37%
Vanguard Capital Management LLC4.49%
State Street Corporation4.00%
Engine Capital Management, LP3.49%
Alliancebernstein L.P.3.10%
Goldman Sachs Group Inc2.83%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion11.47×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend-3.6% → 3.7%

Margin has expanded by about 7.3 points — the business is getting more profitable.

Return on equity40.2%

Latest ROE of 40.2% — capital is generating a healthy return.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $1.2B · EPS 1.38

Est. earnings growth -7.7%

Next fiscal year

Rev $4.7B · EPS 5.36

Est. earnings growth +11.7%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$4.4B

Net margin

3.7%

ROE

40.2%

Revenue CAGR (2y)

+2.0%

EPS (FY2025)

2.14

Net profit (FY2025)

$162.0M

Ask MarketChacha about NATL

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Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$4.4B	$162.0M	2.14	3.7%	40.2%
FY2024	$4.3B	$80.0M	1.08	1.9%	36.5%
FY2023	$4.2B	$-150.0M	-2.12	-3.6%	-61.0%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$1.1B	$65.0M	0.86	5.9%
2026Q1	$1.0B	$22.0M	0.29	2.1%
2025Q4	$1.2B	$83.0M	1.09	7.2%
2025Q3	$1.1B	$26.0M	0.34	2.3%
2025Q2	$1.1B	$39.0M	0.52	3.5%
2025Q1	$979.0M	$14.0M	0.19	1.4%
2024Q3	$1.1B	$21.0M	0.28	2.0%
2024Q2	$1.1B	$30.0M	0.41	2.8%
2024Q1	$1.1B	$-8.0M	-0.11	-0.8%
2023Q3	$1.1B	$-58.0M	-0.82	-5.4%
2023Q2	$1.0B	$53.0M	0.75	5.1%
2023Q1	$986.0M	$36.0M	0.51	3.7%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Results of operations, Exhibits
SEC8/5/2026material
10-Q filing
SEC8/5/2026
8-K — Shareholder vote results, Reg FD disclosure, Exhibits
SEC6/30/2026material
8-K — Other events, Exhibits
SEC6/18/2026material
8-K — Shareholder vote results
SEC5/21/2026material
10-Q filing
SEC5/7/2026
8-K — Results of operations, Exhibits
SEC5/6/2026material
8-K — Material agreement, Reg FD disclosure, Exhibits
SEC3/12/2026material
8-K — Reg FD disclosure, Exhibits
SEC3/5/2026material
10-K filing
SEC2/27/2026
8-K — Results of operations, Exhibits
SEC2/26/2026material
8-K — Material agreement, Reg FD disclosure, Exhibits
SEC2/26/2026material

2025

8-K — Executive/director change, Exhibits
SEC12/19/2025material
10-Q filing
SEC11/6/2025
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC11/5/2025material
10-K/A filing
SEC11/5/2025
8-K — Bylaw/charter change, Exhibits
SEC10/28/2025material
8-K — Executive/director change, Exhibits
SEC9/26/2025material
8-K — Reg FD disclosure, Exhibits
SEC9/3/2025material
10-Q filing
SEC8/7/2025
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC8/6/2025material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.