NCR Atleos Corporation (NATL) Financial Ratios
5 years of historical data (2021–2025) · Technology · Software - Application
EV/EBITDA
↓
3.96
↓-50% vs avg
5yr avg: 7.84
30Y Low3.5·High11.4
P/FCF
↑
13.46
↑+26% vs avg
5yr avg: 10.67
30Y Low7.7·High12.3
P/B Ratio
↑
8.21
+9% vs avg
5yr avg: 7.56
30Y Low6.0·High9.5
ROE
↑
48.6%
↓+183% vs avg
5yr avg: 17.2%
30Y Low-8%·High49%
Debt/EBITDA
↓
0.30
↓-92% vs avg
5yr avg: 3.65
30Y Low0.3·High6.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
NATL Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
NCR Atleos Corporation trades at 20.4x earnings, 10% below its 5-year average of 22.7x, sitting at the 50th percentile of its historical range. Compared to the Technology sector median P/E of 29.0x, the stock trades at a discount of 30%. On a free-cash-flow basis, the stock trades at 13.5x P/FCF, 26% above the 5-year average of 10.7x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Market Cap | $3.2B | $2.9B | $2.5B | $1.7B | — | — |
| Enterprise Value | $3.0B | $2.7B | $5.1B | $4.5B | — | — |
| P/E Ratio → | 20.39 | 17.81 | 27.58 | — | — | — |
| P/S Ratio | 0.74 | 0.66 | 0.58 | 0.41 | — | — |
| P/B Ratio | 8.21 | 7.17 | 9.53 | 5.98 | — | — |
| P/FCF | 13.46 | 12.05 | 12.28 | 7.69 | — | — |
| P/OCF | 9.04 | 8.09 | 7.32 | 4.83 | — | — |
P/E links to full P/E history page with 30-year chart
NATL EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
NCR Atleos Corporation's enterprise value stands at 4.0x EBITDA, 50% below its 5-year average of 7.8x. The Technology sector median is 16.7x, placing the stock at a 76% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.61 | 1.19 | 1.07 | — | — |
| EV / EBITDA | 3.96 | 3.51 | 11.43 | 8.57 | — | — |
| EV / EBIT | 6.25 | 5.77 | 11.48 | 22.84 | — | — |
| EV / FCF | — | 11.09 | 25.09 | 20.17 | — | — |
NATL Profitability
Margins and return-on-capital ratios measuring operating efficiency
NCR Atleos Corporation earns an operating margin of 11.0%. Operating margins have expanded from 6.5% to 11.0% over the past 3 years, signaling improving operational efficiency. Return on equity of 48.6% is exceptionally high. ROIC of 23.4% represents excellent returns on invested capital.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Gross Margin | 24.4% | 24.4% | 23.9% | 22.3% | 22.2% | 25.1% |
| Operating Margin | 11.0% | 11.0% | 10.4% | 6.5% | 6.5% | 7.0% |
| Net Profit Margin | 3.7% | 3.7% | 2.1% | -3.2% | 2.6% | 5.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| ROE | 48.6% | 48.6% | 33.0% | -7.6% | 3.9% | 8.0% |
| ROA | 2.9% | 2.9% | 1.6% | -2.3% | 1.9% | 3.3% |
| ROIC | 23.4% | 23.4% | 11.3% | 5.9% | 5.4% | 5.2% |
| ROCE | 12.5% | 12.5% | 11.4% | 6.5% | 6.4% | 6.3% |
NATL Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
NCR Atleos Corporation carries a Debt/EBITDA ratio of 0.3x, which is very conservative (90% below the sector average of 2.9x). The company holds a net cash position — cash of $456M exceeds total debt of $225M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 1.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Debt / Equity | 0.56 | 0.56 | 11.54 | 10.88 | 0.27 | 0.62 |
| Debt / EBITDA | 0.30 | 0.30 | 6.77 | 5.95 | 1.67 | 3.58 |
| Net Debt / Equity | — | -0.57 | 9.95 | 9.70 | 0.18 | 0.52 |
| Net Debt / EBITDA | -0.31 | -0.31 | 5.84 | 5.30 | 1.12 | 3.00 |
| Debt / FCF | — | -0.97 | 12.81 | 12.48 | 3.34 | 3.61 |
| Interest Coverage | 1.70 | 1.70 | 1.37 | 2.19 | 6.06 | 6.12 |
Net cash position: cash ($456M) exceeds total debt ($225M)
NATL Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.96x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 1.08x to 0.96x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Current Ratio | 0.96 | 0.96 | 1.04 | 1.08 | 1.20 | 0.97 |
| Quick Ratio | 0.78 | 0.78 | 0.86 | 0.89 | 0.90 | 0.68 |
| Cash Ratio | 0.24 | 0.24 | 0.25 | 0.19 | 0.21 | 0.15 |
| Asset Turnover | — | 0.77 | 0.78 | 0.73 | 0.72 | 0.64 |
| Inventory Turnover | 9.63 | 9.63 | 10.70 | 9.78 | 7.67 | 5.69 |
| Days Sales Outstanding | — | 46.11 | 49.72 | 62.18 | 44.35 | 44.94 |
NATL Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
NCR Atleos Corporation returns 0.9% to shareholders annually primarily through share buybacks. The earnings yield of 4.9% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Earnings Yield | 4.9% | 5.6% | 3.6% | — | — | — |
| FCF Yield | 7.4% | 8.3% | 8.1% | 13.0% | — | — |
| Buyback Yield | 0.9% | 1.0% | 0.0% | 0.0% | — | — |
| Total Shareholder Yield | 0.9% | 1.0% | 0.0% | 0.0% | — | — |
| Shares Outstanding | — | $76M | $74M | $71M | $68M | $70M |
Peer Comparison
Compare NATL with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 NATLYou | $3B | 20.4 | 4.0 | 13.5 | 24.4% | 11.0% | 48.6% | 23.4% | 0.3 |
 NTCT | $3B | 30.5 | 13.6 | 9.9 | 74.2% | 13.0% | 6.0% | 7.3% | 0.2 |
 CASS | $639M | 19.0 | 6.5 | 20.1 | 100.0% | 20.3% | 14.9% | — | 0.1 |
 JKHY | $9B | 20.2 | 11.7 | 15.5 | 42.7% | 23.9% | 21.4% | 21.0% | — |
 FISV | $26B | 7.5 | 6.1 | 5.9 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
 DBD | $3B | 33.0 | 8.0 | 11.1 | 26.4% | 8.8% | 9.3% | 14.0% | 2.5 |
 PAX | $2B | 21.1 | 14.9 | 7.0 | 96.2% | 34.2% | 15.2% | 12.5% | 1.5 |
 FOUR | $3B | 36.5 | 8.1 | 5.5 | 34.2% | 8.4% | 8.0% | 6.3% | 5.9 |
 PAY | $3B | 40.5 | 19.9 | 16.3 | 24.8% | 6.3% | 12.8% | 21.2% | 0.1 |
 V | $628B | 32.1 | 25.1 | 29.1 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
 MA | $434B | 29.6 | 21.5 | 25.6 | 83.4% | 59.2% | 209.9% | 56.5% | 0.9 |
| Technology Median | — | 29.0 | 16.7 | 19.2 | 48.8% | 0.2% | 1.6% | 2.7% | 2.9 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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NATL — Frequently Asked Questions
Quick answers to the most common questions about buying NATL stock.
What is NCR Atleos Corporation's P/E ratio?
NCR Atleos Corporation's current P/E ratio is 20.4x. The historical average is 22.7x. This places it at the 50th percentile of its historical range.
What is NCR Atleos Corporation's EV/EBITDA?
NCR Atleos Corporation's current EV/EBITDA is 4.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 7.8x.
What is NCR Atleos Corporation's ROE?
NCR Atleos Corporation's return on equity (ROE) is 48.6%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 17.2%.
Is NATL stock overvalued?
Based on historical data, NCR Atleos Corporation is trading at a P/E of 20.4x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are NCR Atleos Corporation's profit margins?
NCR Atleos Corporation has 24.4% gross margin and 11.0% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does NCR Atleos Corporation have?
NCR Atleos Corporation's Debt/EBITDA ratio is 0.3x, indicating low leverage. A ratio below 2x is generally considered financially healthy.