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NCR AtleosNATL +0.06%49 Debt-to-Equity is 7.40 as of Mar. 2026, which is 14% below its 10-year median of 8.62. GuruFocus rates NATL with a GF Score™ of 49/100 and a GF Value™ of $28.66 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 2,247 Software companies, NCR Atleos ranks worse than 98.75% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for NCR Atleos's Debt-to-Equity or its related term are showing as below:
NATL'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.25 Med: 8.62 Max: 14.26
Current: 7.4
During the past 6 years, the highest Debt-to-Equity Ratio of NCR Atleos was 14.26. The lowest was 0.25. And the median was 8.62.
NATL's Debt-to-Equity is ranked worse than 98.75% of 2247
companies
in the Software industry
Industry Median: 0.19
vs NATL: 7.40
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
NCR Atleos Debt-to-Equity Related Terms
NCR Atleos Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for NCR Atleos's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NATL vs CCC, QTWO, MNDY: Debt-to-Equity Comparison
For the Software - Application subindustry, NCR Atleos's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
NCR Atleos Debt-to-Equity vs Software Industry
For the Software industry and Technology sector, NCR Atleos's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where NCR Atleos's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NCR Atleos (NATL) has a Debt-to-Equity of 7.40 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on NCR Atleos and its competitors. This is 14% below median its historical median of 8.62. Over the past decade, NCR Atleos' Debt-to-Equity has ranged from 0.25 to 14.26. According to the industry distribution chart, NCR Atleos ranks #2219 out of 2247 companies in the Software industry, placing it in the top 98.8%.
Is NCR Atleos' Debt-to-Equity too high?
NCR Atleos' current Debt-to-Equity of 7.40 is 14% below median its 10-year median of 8.62. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 14.26. The Software industry median Debt-to-Equity is 0.19. NCR Atleos' value of 7.40 is 3794.7% above this industry median. Based on the distribution chart, NCR Atleos ranks #2219 out of 2247 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, NCR Atleos has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NCR Atleos' Debt-to-Equity compare to CCC and QTWO?
According to the Software industry distribution chart, NCR Atleos ranks #2219 out of 2247 companies for Debt-to-Equity. This places NCR Atleos in the lower half of its industry. The industry median Debt-to-Equity is 0.19. NCR Atleos' value of 7.40 is 3794.7% above this benchmark. Historically, NCR Atleos' own Debt-to-Equity has ranged from 0.25 to 14.26 over the past decade. While the company's 10-year median is 8.62 vs. the industry median of 0.19, NCR Atleos has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Software company?
The median Debt-to-Equity among Software companies is 0.19, based on 2,247 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NCR Atleos's current Debt-to-Equity of 7.40 is 3794.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on NCR Atleos and its competitors. For the Software industry, the median Debt-to-Equity is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NCR Atleos's current Debt-to-Equity is 7.40, which is 14% below median its own 10-year median of 8.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NCR Atleos stock overvalued right now?
Based on GuruFocus' analysis, NCR Atleos (NATL) is currently considered Significantly Overvalued. The stock's GF Value™ is $28.66, compared to a current price of $47.06 — trading 64.2% above its estimated fair value. The current Debt-to-Equity is 7.40, which is 14% below median its 10-year median of 8.62 and 3794.7% above the Software industry median of 0.19. NCR Atleos' overall GF Score™ is 49/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For NCR Atleos (NATL), the current Debt-to-Equity is 7.40 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is NCR Atleos (NATL) Overvalued in 2026?
Based on GuruFocus' analysis, NCR Atleos stock appears to be overvalued.
The current stock price of $47.06 is trading 64.2% above its estimated GF Value™ of $28.66.
GuruFocus considers NCR Atleos to be Significantly Overvalued.
Key valuation signals for NATL:
Debt-to-Equity: 7.40 (14% below median its 10-year median of 8.62)
GF Value™: $28.66 vs. price of $47.06 (64.2% above fair value)
Industry Position: 3794.7% above the Software median (#2219 of 2247)
No single metric tells the full story. See the NATL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NCR Atleos Corp is a financial technology company providing self-directed banking solutions to a customer base including financial institutions, merchants, manufacturers, retailers, and consumers. Self-directed banking is a rapidly growing, secular trend that allows banking customers to transact seamlessly between various channels, all for the same transaction. Their comprehensive solutions enable the acceleration of self-directed banking through ATM and interactive teller machine (ITM) technology, including software, services, hardware, and its proprietary Allpoint network. Atleos manages its operations in the following segments: Self-Service Banking, which generates maximum revenue, Network, and Telecommunications and Technology. Geographically, it derives maximum revenue from the U.S.
49GF Score
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