NCR Atleos Corporation (NATL)

NYSE: NATL · Calculating & Accounting Machines (No Electronic Computers) · Atlanta, GA · filing with the SEC since 2023

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Grade4.5

◀ Past 6.0● Present 4.0▶ Future 3.8

1 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of NCR Atleos Corporation

Nine metrics read from its own filings, by tense

Headline grade

4.5/10

◀ Past6.030% of the headline

● Present4.040% of the headline

▶ Future3.830% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

6.0/1030% of the headline grade · 3 of 3 filed

Surviving crises

as filed

7.2/10

Has it survived what it has been through?

No warning events in its filings since 2023.

weight 33% of this tense · 72nd percentile among 68 sector filers · read for itself

From the record

NCR Atleos Corporation's filings since 2023 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

7.1/10

What has it actually done, year after year?

+5.2% a year over 5 filed years; profitable in 4 of 5.

weight 45% of this tense · 71st percentile among 64 sector filers · read for its customers

From the record

NCR Atleos Corporation's 5 filed years say what it did: revenue went from $3.5 billion in fiscal 2021 to $4.4 billion in fiscal 2025, up 5.2% a year; it rose in 4 of 4 years; it never fell from a peak; net income was positive in 4 of 5 of those years (its annual reports).

What it rests on

revenue growth over the filed span5.2%top 44% of its family
the share of years revenue rosetop 5% of its family
the share of filed years with a profitbottom 37% of its family
the deepest fall from a revenue peak0.0%top 5% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

1.8/10

How has it treated the people who own it?

Share count grew 2.3% a year. 3% of cash flow returned. Insiders: 1 sales, 0 purchases.

weight 22% of this tense · 18th percentile among 57 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, NCR Atleos Corporation's diluted share count grew about 2.3% a year, and dividends and buybacks returned about 3% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 0 purchases of their own stock on the open market in the year to 2026-10-02 (their Form 4 filings).

What it rests on

the share count over the yearsbottom 18% of its family
cash returned against operating cash flowbottom 18% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.0/1040% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

3.9/10

Is it financially healthy right now?

ROE 40%: 40¢ of profit per shareholder dollar. Leverage 93%: owes 93¢ per asset dollar.

weight 45% of this tense · 39th percentile among 65 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, NCR Atleos Corporation earned about 40 cents of profit for every dollar of shareholders' money. Leverage: it owed about 93 cents per dollar of assets, and net share issuance: its share count grew 1.9% over the year (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 8% of its family
return on equitytop 11% of its family
the share count against the year beforebottom 20% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

4.7/10

How strong is its position in its industry?

bottom 47% of 63 in its family; net margin 3.7%.

weight 33% of this tense · 47th percentile among 63 sector filers · read for its customers

From the record

NCR Atleos Corporation's standing among 63 graded names in its industry family: revenue of $4.4 billion in fiscal 2025 ranks in the top 31% by size; a net margin of 3.7% ranks in the bottom 33%; revenue growth of 1.8% a year over the last 3 filed years ranks in the bottom 39% (its annual reports).

What it rests on

revenue against the family$4.35Btop 31% of its family
net margin3.7%bottom 33% of its family
three-year revenue growth1.8%bottom 39% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

3.0/10

What are the people in charge doing?

SI estimate 3.0/10, confidence 35 of 100 (one part).

weight 22% of this tense · 30th percentile among 62 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 30% of 62 in its family; the record of its people begins on 2023-08-11 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 3.1 years and cannot see past it; a floor under five years is not read as years in charge.
What the record cannot read: The record of its people begins on 2023-08-11 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 3.1 years and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: one part: officer and director changes on Form 8-K, against the people in charge, the one part on file, ranked among 62 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: NCR Atleos Corporation's leadership is put at 3.0 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 30% of 62 in its family; the record of its people begins on 2023-08-11 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 3.1 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

3.8/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed

1.8/10

How much room does it have to grow?

bottom 18% of 63 in its family for room to expand.

weight 45% of this tense · 18th percentile among 63 sector filers · read for itself

From the record

NCR Atleos Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $644 million against debt of $2.7 billion leaves -35.8% of its assets as net cash, bottom 4% of its family; cash from operations less capital spending is 5.5% of revenue (bottom 37%); research spending of 1.6% of revenue (bottom 14%) (its annual report).

What it rests on

cash less debt against assets-35.8%bottom 4% of its family
cash from operations less capital spending against revenue5.5%bottom 37% of its family
research spending against revenue1.6%bottom 14% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

4.6/10

What could actually drive growth from here?

bottom 46% of 64 in its family for growth drivers.

weight 33% of this tense · 46th percentile among 64 sector filers · read for its customers

From the record

NCR Atleos Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 1.8% a year over the last three filed years against 5.2% over all 5, slowing (bottom 33% of its family); the newest year grew 1.1% (bottom 28%); research spending grew 3% a year (bottom 39%); capital spending grew 26.3% a year (top 17%) (its annual reports). NCR Atleos Corporation reported 2 product lines in fiscal 2025: Service at $3.3 billion (76%), Product at $1.0 billion (24%); 2 of 2 grew against the year before (its annual report).

What it rests on

three-year growth against the whole span-3.4 points a yearbottom 33% of its family
the newest year's revenue growth1.1%bottom 28% of its family
three-year growth of research spending3.0%bottom 39% of its family
three-year growth of capital spending26.3%top 17% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

6.8/10

Did its newest year beat what its own record pointed to?

top 32% of 62 in its family for expectations against reality.

weight 22% of this tense · 68th percentile among 62 sector filers · read for its shareholders

From the record

NCR Atleos Corporation's newest year against its own record: revenue of $4.4 billion in fiscal 2025 came in 1% below the $4.4 billion its prior three years' pace pointed to (bottom 30% of its family); net income of $162 million against a prior three-year average of $10 million (top 3%); a net margin of 3.7% against 0.2% before (top 22%) (its annual reports).

What it rests on

revenue against the prior three years' pace-1.0%bottom 30% of its family
net income against the prior three years' averagefive times its prior average or moretop 3% of its family
net margin against its prior average+3.5 pointstop 22% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton NATL · research, not advice