NCR ATLEOS CORP (NATL)
Financials · ATM and Financial Transaction Services · NYSE
NCR Atleos is a global leader in ATM network management and self-service financial technologies, powering cash access and banking transactions for institutions and consumers worldwide.
What NCR ATLEOS CORP does
NCR Atleos provides ATM and self-service banking solutions, including ATM network management, hardware, software, and transaction processing services. The company specializes in managing cash-related operations and providing access to financial services through a large-scale ATM network. It operates as an independent company following a spin-off from NCR Corporation.
Themes: ATM network services, financial self-service technology, cash management services, payment processing, banking infrastructure
Fundamentals
- Price$46.77 as of 2026-10-21 close
- Market cap$3.5B as of 2026-07-31 (share count; price 2026-10-21)
- 1-year return+23.3% 2025-10-21 close $37.94 → 2026-10-21 close $46.77
- P/E18.13 as of 2026-10-21
- Net margin+3.7% FY2025, SEC XBRL
- ROE+40.3% FY2025, SEC XBRL
- ROIC+15.1% NOPAT / (debt + equity - cash), average capital — 10-K FY2025 (year ended 2025-12-31)
- Debt / equity6.02 borrowings, leases excluded / equity — 10-Q/10-K balance sheet 2026-06-30
- Revenue growth (YoY)+1.1% FY2025, SEC XBRL
- Revenue CAGR (3y)+1.8% SEC XBRL
- Beta1.09 as of 2026-09-03
- Last reported earnings2026-08-05 SEC EDGAR Form 8-K (Item 2.02)
How NATL compares in its sector
- price-to-earnings ratiotop 25% 487 covered Financials peers, as of 2026-10-21
- net profit marginbottom 25% 343 covered Financials peers, as of 2026-09-03
- operating marginmiddle range 121 covered Financials peers, as of 2026-09-03
- return on equitytop 10% 558 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRbottom 25% 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
NATL is not currently in any published Top 10 list. Its scores are below.
Top 10 score
42.4 #995 of 1,265 scored · #161 of 174 in Financials
Trend 72nd (it is 3.6% below its highest point of the past year) and profitability 70th (return on equity 40.3%, operating margin 11%); weakest is financial health (17th, debt to equity 6, free cash flow margin 5.5%).
Scores as of 21 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4.
Quarterly results
| Quarter | Revenue | Operating income | Net income | Diluted EPS | Operating cash flow | Capex |
|---|---|---|---|---|---|---|
| Q2 FY2026 2026-06-30 | $1.1B | $156M | $65M | $0.86 | $30M† | $26M† |
| Q1 FY2026 2026-03-31 | $1.0B | $84M | $22M | $0.29 | -$9M | $27M |
| Q4 FY2025 2025-12-31 | $1.2B | $156M | $83M | $1.09 | $231M† | $37M† |
| Q3 FY2025 2025-09-30 | $1.1B | $110M | $26M | $0.34 | $27M† | $30M† |
| Q2 FY2025 2025-06-30 | $1.1B | $119M | $39M | $0.52 | -$25M† | $21M† |
| Q1 FY2025 2025-03-31 | $979M | $93M | $14M | $0.19 | $123M | $29M |
| Q4 FY2024 2024-12-31 | $1.1B | $149M | $41M | $0.55 | $80M† | $18M† |
| Q3 FY2024 2024-09-30 | $1.1B | $114M | $21M | $0.28 | $107M† | $22M† |
† Not filed as a discrete quarter: derived from the company's own year-to-date figures (for example the fourth quarter as the fiscal year minus the first nine months). A derived per-share figure is approximate, because the share count moves within the year.
Balance sheet at 2026-06-30
- Cash and equivalents$429M
- Total debt$2.8B borrowings only; leases excluded
- Net debt$2.4B total debt − cash − short-term investments
From the company's own SEC 10-Q and 10-K filings (XBRL), re-read every week. Figures in US dollars as filed; informational only — not financial advice.
How NCR ATLEOS CORP looks technically
NCR ATLEOS CORP (NATL) is trading 6.0% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 297 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 15, below the 25 that marks a real trend), though buyers have been pushing harder than sellers lately — pressure, not a trend. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 61, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 9 trading days ago (its momentum flipped positive). It just made a new 20-day high, its first since 2026-08-20, pushing above its recent trading range. It is 3.6% below its all-time high. Trading volume is unusually light — only about 44% of its 30-day average.
Trend
8
| Distance from the 200-day | it is trading 6.0% above its 200-day average, the long-term trend line — a longer-term uptrend | +6.0% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $46.03 | $46.03 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $44.12 | $44.12 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 21 calendar days ago — the swings before that are what the structure reading is measured on | 21 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes below 44.71. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible upward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 297 trading days ago — a "golden cross", a bullish long-term signal | 297 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 15, below the 25 that marks a real trend), though buyers have been pushing harder than sellers lately — pressure, not a trend | 15.0 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 61, neither overbought (above 70) nor oversold (below 30) | 61.2 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($45.13 to $46.97) — its "stochastic" reading is 89 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 89.1 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 9 trading days ago (its momentum flipped positive) | 9 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $48.50 | $48.50 |
|---|---|---|
| From the 52-week high | it is 3.6% below its 52-week high (its highest price of the past year) | -3.6% |
| Above the 52-week low | it is 40.4% above its 52-week low (its lowest price of the past year) | +40.4% |
| Below the 52-week high | it is 3.6% below its highest point of the past year | 3.6% |
| Since a 20-day breakout | it just made a new 20-day high, its first since 2026-08-20, pushing above its recent trading range | 1 session |
| Since a 55-day breakout | it made a new 55-day low about 15 trading days ago | 15 sessions |
| All-time high | its highest closing price on record is $48.50 (set on 2026-03-04) | $48.50 |
| Given back of the 52-week move | over the past year its closes ranged ($34.13 to $48.13), and it has given back only a small part of its rise from last year’s low — 10% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $39.03 to $39.48. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 9.7% |
| From the all-time high | it is 3.6% below its all-time high | -3.6% |
| Nearest price level | it is trading 0.7% above a support level at $46.43 — a price it turned at four times since 2026-04-17, most recently on 2026-09-14. Since 2024-10-21 it has 15 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.7% |
| All-time low | its lowest closing price on record is $12.95 (set on 2009-03-06) | $12.95 |
| Above the all-time low | it is 261.2% above its all-time low | +261.2% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 40th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.5375 between its high and its low — about 1.2% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.5375 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $44.95 and $46.58 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $44.95 – $45.76 – $46.58 |
| Typical daily range (% of price) | its price moves about 1.2% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 1.1% |
| Stretch from the 200-day average | it is trading 4.9 daily ranges above its 200-day average price (6.0% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 4.9 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is unusually light — only about 44% of its 30-day average | 0.44× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
2
| Since a doji | 2 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 2 sessions ago |
|---|---|---|
| Since a bullish engulfing | 9 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 9 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +2.1% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 1.6 percentage points (the stock gained 1.5% while the market lost 0.1%) | +1.6% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 5.8 percentage points (the stock lost 2.4% while the market gained 3.3%) | -5.8% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 6.5 percentage points (the stock gained 3.3% while the market gained 9.8%) | -6.5% |
| vs market, 12 months | over the past 12 months this stock beat the market by 8.1 percentage points (the stock gained 23.3% while the market gained 15.2%) | +8.1% |
Signal agreement
2
| Bullish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, a fresh 20-day high, MACD momentum is positive, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: lagging the market over 6 months, near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 1.3% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-15 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 0.0% of the share price, which is taken to mean a barrier that gives way easily. | +1.3% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 5% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $44.70 — a volume-weighted average of daily closes over 199 sessions, not a true tick-by-tick VWAP. | +4.6% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% above the average price paid since it last reported on 2026-08-05 (its 10-Q), so the typical buyer over that stretch is showing a gain. That average is $46.00 — a volume-weighted average of daily closes over 55 sessions, not a true tick-by-tick VWAP. | +1.7% |
Price levels it has turned at before
NATL last closed at $46.77 on 2026-10-21. Since 2024-10-21 it has turned at 15 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $46.43 | Support | 0.7% below the last close | turned there four times · 2026-04-17 to 2026-09-14 |
| $45.41 | Support | 2.9% below the last close | turned there five times · 2026-05-27 to 2026-09-30 |
| $48.34 | Resistance | 3.4% above the last close | turned there twice · 2026-03-04 to 2026-07-22 |
| $43.39 | Support | 7.2% below the last close | turned there four times · 2026-02-17 to 2026-06-17 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes below $44.71.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $50.21 and $53.61 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close below $44.71.
This reading has stood for 14 trading days, since 2026-10-02.
Read from daily closes as of 2026-10-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Trading above the 50-day moving average · Broke out to a new 20-day high · trendless / choppy (low ADX) · Near the all-time high · lagging the market | Learn: moving average · golden cross · adx · rsi · macd · breakout · all time high · volume and relative volume
Based on daily closing prices as of 2026-10-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$50.20 range $50.00 – $50.40
Analyst estimates, as of 2026-10-17. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for NATL
- Consensus EPS estimate$1.19 next reporting period, as of 2026-10-17
- Estimate change, 30 days$0.00 (0.0%) from $1.19, on 2026-09-12, 35-day window
- Readings revised upward0% of 9 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Significant indebtedness and the associated risks of interest rate fluctuations and financing access.","Operational risks associated with maintaining substantial amounts of vault cash.","Liabilities and indemnification obligations resulting from the spin-off from NCR Voyix Corporation."]
What changed in the latest 10-Q
AI-assisted comparison of NATL's 10-Q filed 2026-05-07 against the prior one filed 2025-11-06.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing references 'Annual Report on Form 10-K for the year ended December 31, 2025' instead of 'amended and restated Annual Report on Form 10-K/A for the year ended December 31, 2024'
- Newer filing includes discussion of tariff refund process following February 20, 2026 Supreme Court ruling and March 4, 2026 Court of International Trade ruling on IEEPA tariffs
- Newer filing includes detailed disclosure of Merger Agreement dated February 26, 2026 between Atleos and The Brink's Company, including merger structure, consideration ($30.00 cash plus 0.1574 Brink's shares), expected closing in Q1 2027, and Change of Control Put Waiver on 9.500% Senior Secured Notes due 2029
- Newer filing includes 'Results of Operations' section with consolidated financial highlights table showing Q1 2026 vs Q1 2025 comparisons with specific revenue, margin, and expense figures
- Newer filing includes discussion of Q1 results showing 7% revenue increase to $1.043 billion, gross margin compression of 130 basis points to 22.4%, and adjusted gross margin decrease of 140 basis points to 24.5%
- Newer filing mentions 'gain on divestiture of a non-core business' as factor in income before taxes increase
- Newer filing references revision of 'first and second quarters of 2025' specifically
- Newer filing includes Key Financial and Performance Metrics section (partially visible)
- Removed:
- Older filing's organizational structure listing (Overview, Results of operations, Financial condition sections) not present in newer filing
- Older filing's detailed 'Business Overview' section with segment descriptions for Self-Service Banking, Network, and Telecommunications & Technology removed from comparable section
- Older filing's 'Spin-off from NCR' section not present in newer filing
- Older filing's discussion of Separation and Distribution Agreement with Voyix/NCR not present in newer filing
- Older filing's 'Strategic Initiatives and Trends' section not present in newer filing excerpt
- Reworded:
- Section references changed from 'Forward-Looking Statements' in older filing to 'Cautionary Statement about Forward-Looking Statements' in newer filing
- Older filing references 'nine months ended September 30' comparisons; newer filing references 'three months ended March 31' comparisons
- Revision note in newer filing states impact on 'first and second quarters of 2025' versus older filing stating 'interim and annual periods in 2023 and 2024 and the first and second quarters of 2025'
- Older filing uses 'Telecommunications & Technology' segment name; newer filing uses abbreviated 'T&T' in overview section
- Notes:
- Newer filing excerpt is truncated at 'Recurring revenue is all reve' making full comparison of Key Financial and Performance Metrics section impossible
- Older filing excerpt is also truncated, preventing complete section-by-section comparison
- The filings compare different quarterly periods (Q1 2026 vs Q3 2025) and different year-end references (2025 vs 2024), reflecting natural progression of reporting periods
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for NATL — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding NATL as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 14,184,976
- Reported value $615,769,814
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about NATL's institutional holders → See what each manager we track holds →
Short interest (FINRA)
NATL had 3,680,057 shares of reported short interest as of the 2026-09-30 FINRA settlement date (delayed, bi-monthly; not real-time).
NATL had 4.98% of its shares outstanding sold short as of the 2026-09-30 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.05 days to cover at the same settlement.
- Reported short interest (shares) 3,680,057
- Short interest (% of shares outstanding) 4.98%
- Prior settlement (shares) 4,413,466
- Reported change -16.62%
- Days to cover (reported) 4.05
Reported to FINRA as of the 2026-09-30 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Diebold Nixdorf (DBD)
- Euronet Worldwide (EEFT)
- The Brink's Company (BCO)
- Cardtronics (acquired by NCR)
- Global Payments (GPN)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does NCR ATLEOS CORP (NATL) do?
NCR Atleos provides ATM and self-service banking solutions, including ATM network management, hardware, software, and transaction processing services. The company specializes in managing cash-related operations and providing access to financial services through a large-scale ATM network. It operates as an independent company following a spin-off from NCR Corporation.
What sector is NCR ATLEOS CORP (NATL) in?
NCR ATLEOS CORP (NATL) is classified in the Financials sector. Its industry is ATM and Financial Transaction Services. It trades on NYSE.
Who are NCR ATLEOS CORP's (NATL) competitors?
Notable peers of NCR ATLEOS CORP (NATL) include Diebold Nixdorf, Euronet Worldwide, The Brink's Company, Cardtronics (acquired by NCR) and Global Payments. This peer set is informational only — not financial advice.
Is NCR ATLEOS CORP (NATL) overbought or oversold right now?
NCR ATLEOS CORP (NATL) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 61, in the neutral middle (as of 2026-10-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on NATL come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.