NCR Atleos Corporation opera como una destacada empresa de tecnología financiera, especializada en la prestación de soluciones financieras de autoservicio. La compañía ...
NCR Atleos Corporation, trading as NATL on the New York Stock Exchange, is a prominent financial technology firm that emerged as an independent company following its spin-off from NCR Corporation in October 2023. Headquartered in Atlanta, Georgia, Atleos leverages a legacy dating back to 1884 (the founding of NCR Corporation) ...NCR Atleos Corporation, trading as NATL on the New York Stock Exchange, is a prominent financial technology firm that emerged as an independent company following its spin-off from NCR Corporation in October 2023. Headquartered in Atlanta, Georgia, Atleos leverages a legacy dating back to 1884 (the founding of NCR Corporation) and employs approximately 20,000 people worldwide, serving clients across the Americas, Europe, the Middle East, Africa, and Asia Pacific.
The company operates through three primary segments: Self-Service Banking, Network, and Telecommunications & Technology (T&T). The Self-Service Banking segment provides a comprehensive range of ATM hardware, software, and services, including installation, maintenance, managed services, and an 'ATM as a Service' model that handles back-office functions, cash management, and software administration. The Network segment operates an extensive ATM and kiosk infrastructure, highlighted by the Allpoint network, which enables cash withdrawal and deposit access for credit unions, banks, fintechs, and stored-value card issuers. This segment also offers ATM branding services, complete ATM management for retailers, and LibertyX, a solution for buying and selling Bitcoin. The T&T segment focuses on managed network and infrastructure services for enterprise clients, often collaborating with communications service providers and technology manufacturers, and provides support for advanced technologies such as SD-WAN, NFV, WLAN, optical networking, and edge networks.
Financially, NCR Atleos has demonstrated robust operational metrics, with a market capitalization of approximately $3.44 billion as of the latest data. The company reported revenue per share of $59.88 and a net profit margin of 4.4%. Its enterprise value is around $5.94 billion, with an EV/EBITDA ratio of 7.6, indicating reasonable valuation. The company maintains a strong focus on operational efficiency, with a gross profit margin of 25.3% and an operating margin of 11.5%. Despite a high debt-to-equity ratio of 6.3, Atleos generates solid cash flows, with operating cash flow per share of $3.63 and free cash flow per share of $1.46.
Under the leadership of CEO Timothy C. Oliver, who was appointed in April 2023, NCR Atleos is committed to expanding self-service financial access and driving innovation in the financial technology sector. The company's strategic initiatives include enhancing its ATM network, developing next-generation self-service solutions, and leveraging its scale to provide reliable, always-on services to its global clientele.
Plutux no es un asesor de inversiones. Los datos de mercado y el análisis generado por IA son solo informativos y educativos, no asesoramiento de inversión. Aviso legal
InteranualYoY significa Year-over-Year (interanual). Compara el último valor anual con el valor anual anterior para mostrar la fortaleza de la tendencia a largo plazo.
TrimestralQoQ significa Quarter-over-Quarter (intertrimestral). Compara el último trimestre con el trimestre inmediatamente anterior para mostrar cambios de impulso a corto plazo.
IngresosEl dinero total que entró por la puerta principal al vender cosas, antes de pagar una sola factura. Piensa en esto como el gran total de cada compra con tarjeta de los clientes. (YoY compara el rendimiento de este año con el del año pasado, mientras que QoQ compara los tres meses actuales con los tres anteriores).
$4.4B
+0.9%
+5.8%
Beneficio netoEl resultado final absoluto. Si la empresa pagara a cada proveedor, empleado, banquero y recaudador de impuestos, este es el dinero real que queda en su bolsillo al final del día.
$162.0M
+78.0%
+195.5%
Margen brutoEl margen básico. Si venden unas zapatillas de 100 dólares, este porcentaje indica cuánto de ese precio es ganancia justo después de pagar el caucho y los cordones, pero antes de pagar el alquiler de la tienda o los anuncios de televisión.
+24.4%
+1.8%
+24.9%
Margen operativoLa puntuación de eficiencia del 'trabajo diario'. De cada dólar que gasta un cliente, esto muestra cuántos centavos mantiene la empresa después de fabricar el producto Y pagar todos los gastos generales corporativos (como salarios, marketing y mantener las luces encendidas).
+11.0%
+5.6%
+75.6%
Margen netoEl porcentaje final que se lleva a casa. Cuando se eliminan todos los costos concebibles, impuestos y pagos de intereses, este es el número exacto de centavos que la empresa realmente se queda de cada dólar en ventas.
+3.7%
+76.5%
+179.4%
Flujo de caja libreEl santo grial del efectivo corporativo. Es el dinero físico gastable que queda después de que el negocio paga sus operaciones diarias Y compra las actualizaciones grandes y costosas (como nuevas fábricas o servidores) que necesita para sobrevivir. Este es el dinero 'libre' que pueden usar para pagar dividendos o recomprar acciones.
$239.0M
+16.6%
+11.1%
Margen FCFLa tasa definitiva de conversión de efectivo. Muestra qué tan buena es la empresa para convertir ventas regulares directamente en efectivo frío, duro y gastable. Un porcentaje alto significa que el negocio es una auténtica máquina de imprimir dinero.
+5.5%
+15.6%
+15.9%
Deuda/PatrimonioEl indicador de riesgo financiero. Compara cuánto del imperio de la empresa se construyó con dinero prestado (préstamos) frente al dinero propio de los propietarios (accionistas). Un número alto significa que están muy apalancados y juegan un juego más arriesgado; un número bajo significa que juegan a lo seguro.
718.9%
-38.6%
-14.5%
Ratio corrienteLa verificación de supervivencia de 12 meses. Simplemente compara el efectivo que tienen ahora mismo (más cosas que pueden convertirse rápidamente en efectivo) con las facturas inmediatas que absolutamente deben pagar este año. Una puntuación superior a 1 significa que tienen suficiente en la billetera para cubrir las próximas facturas sin entrar en pánico.
0.96x
-7.4%
+4.6%
Activos totalesEl tamaño absoluto del imperio de la empresa. Agrupa absolutamente todo lo valioso que poseen, desde el efectivo en la caja registradora y el inventario en el almacén, hasta las patentes de software en la bóveda y las fábricas en el suelo.
Operator: Good day, and welcome to the NCR Atleos Q3 2025 Earnings Call. Today's conference is being recorded. At this time, I would like to turn the conference over to Melanie Skijus, Head of Investor Relations. Please go ahead.
Melanie Skijus: Good morning, and thank you for joining the Atleos Third Quarter 2025 Earnings Call. Joining me on the call today are Tim Oliver, Chief Executive Officer; Andy Wamser, Chief Financial Officer; and Stuart MacKinnon, Chief Operating Officer. During the call, we will reference our third quarter 2025 earnings presentation available through the webcast and on our new Investor Relations website at investor.ncratleos.com. Today's presentation will include forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. These statements are subject to risks and uncertainties that could cause actual results to differ materially from our expectations and projections. Risks and uncertainties include, but are not limited to, the factors identified in today's earnings materials and our periodic filings with the SEC, including our annual report. During the call today, we will also refer to certain non-GAAP financial measures, which the company uses to measure its performance. These non-GAAP measures are reconciled to their GAAP counterparts in the presentation materials. The webcast this morning is being recorded and will be available for replay by accessing our Investor Relations website. With that, I will turn the call over to Tim.
Timothy Oliver: Thanks, Melanie, and thank you to everyone for joining us on our call this morning. I will start this morning by quickly reviewing the quarterly operational performance and strategic progress from a more forward-looking and qualitative perspective. I'll leave the quantitative review to Andy. I will then provide some context on the current business environment and its consideration in our outlook. I'll end by reiterating the compelling Atleos story and describing a capital allocation strategy that anticipates steady growth and free cash flow. And then Stuart, Andy and I will take your questions. Having now passed the second anniversary of our spin from legacy NCR, our separation process is complete. The magnitude of the effort and of the accomplishment cannot be overstated. We bifurcated or duplicated 140 years' worth of IT systems and hardware. We physically separated hundreds of global locations. We established dozens of new legal entities. We migrated over 700 critical customer connections and completed over 200 transition service agreements. I'm very pleased that the resources formerly dedicated to this effort can now be focused on growing Atleos. From the outset, we described 2 fundamental goals that we knew would be essential to the eventual valuation of our company. First, establishing a quarterly pattern of transparent and predictable financial performance; and second, deploying free cash flow to reduce leverage and then begin returning …