NCR Atleos Corporation (NATL) Fair Value & Analysis
Technology · US · Market cap $3.4B
NCR Atleos Corporation
NATL · US
Fair value as of: Jul 16, 2026
From 26 valuation models · updated 25 days ago
Share price +4.0% over the past month.
A solid business, currently priced close to our fair value.
What matters now
- The model range is unusually wide ($30.65 to $128.70). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
Price vs Fair Value (3 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.
How to read this chart
34‑month range $18.90 – $48.13 · fair‑value band $30.65 – $128.70 · the $46.58 price screens above the $43.90 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.
Analysis
NCR Atleos Corporation (NATL) currently trades at $46.58, while our model-based Fair Value estimate is $43.90, implying the stock looks roughly 5.8% fairly valued today. The Quality Score stands at 55/100 (solid quality), in the Technology sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, NCR Atleos Corporation generated revenue of $4.4B at a net margin of 3.9%. Revenue grew 6.5% year over year. It earns a return on equity of 50.7%. The balance sheet holds a net cash position of $231M. Fundamentals as of Jul 16, 2026
Our scenario range runs from $30.65 (bear case) to $128.70 (bull case); at $46.58, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 4% below its 52-week high and 98% above its 52-week low, currently above its 200-day average. For context, the median of 10 Technology peers we cover trades at -27% fair-value upside, at -6%, NATL screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 26 models by family
Widest divergence: Growth Earnings ($99.00) versus Dividend Discount ($2.12). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 50 · Market factors (momentum, volatility) 77
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
NCR Atleos Corporation reported revenue of $4.4B in FY2025 versus $3.5B in FY2021, a compound +5.2%/yr. Reported net income was $162M in FY2025, compounding −3.4%/yr from FY2021.
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Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- NCR Atleos (NYSE:NATL) Misses Q2 CY2026 Revenue Estimates But Non-GAAP EPS Beats
- NCR Atleos (NATL) Surpasses Q2 Earnings Estimates
- NCR Atleos Corporation Reports Strong Second Quarter Results
- Credit Union 1 (Alaska) Expands Collaboration with NCR Atleos Through Statewide ATM Branding in Circle K Stores
Peer Group
Software - Application · 709 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Software - Application median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 45/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Software - Application stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| SAP SE SAPS | C$12.69 | C$16.26 | +28% |
| Shopify Inc SHOP | C$173.23 | C$20.54 | -88% |
| Uber Technologies, Inc UBER | $72.67 | $51.11 | -30% |
| Salesforce, Inc CRM | $170.77 | $182.10 | +7% |
| ServiceNow, Inc NOW | $107.71 | $33.12 | -69% |
| Cadence Design Systems, Inc CDNS | $384.17 | $80.41 | -79% |
| Snowflake Inc SNOW | $271.87 | $34.04 | -87% |
| Adobe Inc ADBE | $230.61 | $379.48 | +65% |
| Automatic Data Processing, Inc ADP | $241.92 | $177.51 | -27% |
| Intuit Inc INTU | $291.09 | $258.69 | -11% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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