NCR Corp. (0K45) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of NCR Corp. $8.33, price $6.75, upside +23.4%, quality 46 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $6.13 – $29.99 · fair‑value band $6.69 – $10.83 · the $6.75 price screens below the $8.33 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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NCR Voyix Corporation provides digital commerce solutions for retail stores and restaurants in the United States, the Americas, the Asia Pacific, Europe, the Middle East, and Africa. The company operates through Retail and Restaurants segments.
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NCR Voyix Corporation provides digital commerce solutions for retail stores and restaurants in the United States, the Americas, the Asia Pacific, Europe, the Middle East, and Africa. The company operates through Retail and Restaurants segments. It offers application program interface connectivity to retail software platforms and applications, hardware terminals, self-service kiosks, including self-checkout, payment processing and merchant acquiring solutions, and bar-code scanners for enterprise and mid-market retailers in the convenience fuel retail and department specialty retail industries, as well as grocery stores, drug stores, and big box retailers. The company also provides POS hardware and software solutions; payment processing; and installation and maintenance services, as well as managed and professional services for restaurants and food service establishment, including quick service, table service and fast casual restaurants. In addition, it offers Voyix Commerce Platform; and back-office solutions, including payment, data and analytics, inventory, and scheduling and labor management solutions. Further, the company provides online ordering; white-labeled websites and mobile applications; Aloha Next by Voyix; and consumer experience, loyalty and marketing. It also provides professional, field break-fix, restaurant managed, installation services, and connected service desk; and fixed and mobile point-of-sale and consumer display terminals, self-checkout hardware, kiosks, kitchen display systems, printers, cash drawers, keyboards, handheld scanners and payment terminals, and ordering kiosks. The company was formerly known as NCR Corporation and changed its name to NCR Voyix Corporation in October 2023. The company was incorporated in 1884 and is headquartered in Atlanta, Georgia.
Stock analysis
NCR Corp. (0K45) currently trades at $6.75, while our model-based Fair Value estimate is $8.33, implying the stock looks roughly 19.0% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $8.92 per share, and 6 of the 8 models we run sit above the $6.75 price.
Bear case: the Earnings-Based group reads lowest at $4.36, and 2 of the 8 models stay below the price. Evidence for this calculation is medium.
Scenario range: $6.69 (bear) to $10.83 (bull), the price of $6.75 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 46/100 (below-average quality), in the Industrials sector.
Mixed Growth: Spin-off in 2024: revenue and profit before it include the divested business. Growth is measured afresh from 2024.
NCR Corp. reported revenue of $2.7B in FY2025 versus $7.2B in FY2021, a compound −21.7%/yr. Reported net income was $62.0M in FY2025, compounding −10.6%/yr from FY2021.
Key figures
Market cap $952M · P/E ratio 0.6 · P/S ratio 0.01 · EPS (TTM) $0.1280 · Net margin 2.3% · Return on equity 5.4% · Return on assets (EBIT) 3.1% · Operating margin −3.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 47% below its 52-week high and 10% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −40% fair-value upside, at 23%, 0K45 screens cheaper than that median.
Fair Value models
Bear $6.69Fair Value $8.33Bull $10.83
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.0968 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.55/100
Spin-off in 2024: revenue and profit before it include the divested business. Growth is measured afresh from 2024.
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−28.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−28.1%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−28.1% vs −12.0%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.7% → 6%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 6.4%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Commercial Services & Supplies” was too small, so the broader sector is used.)Industrials · 5266 stocks
Beats the sector median on 2/9 measures
Overall it trails its sector peers.
Valuation
Quality Score46 · Below median
Fair Value upside+20.7% · Above median
Profitability
Return on equity (TTM)5.4% · Below median
Return on assets2.5% · Below median
Net margin (TTM)2.8% · Below median
Operating margin (TTM)−3.3% · Bottom 25%
Growth and dividend
Revenue growth−1.0% · Below median
Balance sheet
Debt / equity2.83× · Highest 25%
Valuation Multiplesvs Industrials median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "NCR Corp. Fair Value". https://www.fairvalue-calculator.com/stock/0K45
Frequently asked questions
Is NCR Corp. (0K45) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $8.33 versus a price of $6.75, about +23% upside (undervalued).
What is the fair value of 0K45?
Our model-based fair value for NCR Corp. is $8.33 (as of Sep 24, 2026), built from audited fundamentals. The current price: $6.75.
What is the quality score of 0K45?
NCR Corp. has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for NCR Corp. (0K45)?
Our model-based price target is the fair value of $8.33 (as of Sep 24, 2026) from 10 valuation models. Cautious scenario $6.69, optimistic scenario $10.83. It is a calculation from audited fundamentals, not an analyst target.
What is the NCR Corp. stock forecast for 2026?
Our models put fair value at $8.33, about +23% upside versus a price of $6.75 (undervalued). Cautious scenario $6.69, optimistic scenario $10.83. The calculation is refreshed regularly with new filings.
What is the revenue of NCR Corp. (0K45)?
NCR Corp. reported trailing-twelve-month revenue of about $2.7B (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of NCR Corp. (0K45)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For NCR Corp. it is $8.33 per share (as of Sep 24, 2026), against a price of $6.75. It is the blended result of 10 valuation models (cash flow, earnings, asset, dividend).
Is NCR Corp. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0K45 trades below its calculated fair value: price $6.75, fair value $8.33, a gap of about +23% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 0K45?
No. The price is what the market pays today ($6.75); the fair value is what the company's own numbers justify ($8.33). For NCR Corp. the two are $1.58 per share apart. That gap is exactly why we show both numbers side by side.
How much is NCR Corp. worth?
The market values NCR Corp. at about $952M (market capitalisation, as of Sep 24, 2026). Per share that is $6.75; our models calculate a fair value of $8.33 per share.
What do the bullish and bearish scenarios say about 0K45?
Our models span a range for NCR Corp.: cautious scenario $6.69, base $8.33, optimistic $10.83 per share (as of Sep 24, 2026, price $6.75). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0K45?
NCR Corp. trades at a price-to-earnings ratio of 0.6 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $8.33 is built from several models across several years.
How solid is the balance sheet of NCR Corp. (0K45)?
Balance-sheet figures for NCR Corp. (as of Sep 24, 2026): return on equity 5.4%, debt of 2.83 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is 0K45 from its 52-week high?
NCR Corp. trades at $6.75, about 47% below its 52-week high of $12.85 and 10% above the low of $6.13 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $8.33 is for.
Which stocks are comparable to NCR Corp.?
From the same area (Industrials) we also value Contemporary Amperex Technology Co, Delta Electronics (Thailand) Public Company, Larsen & Toubro Limited, Samsung C&T Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is NCR Corp. stock attractive at the current price?
The data as of Sep 24, 2026: price $6.75, calculated fair value $8.33 (+23%), Quality Score 46/100, from 10 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 0K45 calculated?
We run NCR Corp. through 10 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $8.33, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. NCR Corp. currently trades 19 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of NCR Corp. (0K45)?
The closing price on Oct 2, 2026 was $6.75. Our model-based fair value is $8.33, about +23% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with NCR Corp. right now?
Solid quality (46/100) at a price below fair value, the discount is the argument here, not the business quality. The price sits in the lower half of our model range, the side with the larger margin of safety. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Key figures of NCR Corp.
How large is the market capitalisation of NCR Corp. (0K45)?
The market capitalisation of NCR Corp. is $952M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of NCR Corp. (0K45)?
The price-to-sales ratio of NCR Corp. is 0.01 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of NCR Corp. (0K45)?
Earnings per share at NCR Corp. are $0.1280 (price ÷ EPS = P/E 0.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of NCR Corp. (0K45)?
The net margin of NCR Corp. is 2.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of NCR Corp. (0K45)?
The return on equity (ROE) of NCR Corp. is 5.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of NCR Corp. (0K45)?
On an EBIT basis the return on assets of NCR Corp. is 3.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of NCR Corp. (0K45)?
The operating margin of NCR Corp. is −3.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at NCR Corp. (0K45)?
Revenue at NCR Corp. is growing −1.0% versus a year earlier (3y avg −10.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at NCR Corp. (0K45)?
Earnings per share at NCR Corp. are growing −60.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does NCR Corp. (0K45) generate?
The free cash flow of NCR Corp. is −$375M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does NCR Corp. (0K45) carry?
The net debt of NCR Corp. is $1.4B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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