NATL (NCR Atleos) Interest Coverage : 1.48 (As of Mar. 2025)

View and export this data going back to 2023. Start your Free Trial

What is NCR Atleos Interest Coverage?

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income by its Interest Expense. NCR Atleos's Operating Income for the three months ended in Mar. 2025 was $99 Mil. NCR Atleos's Interest Expense for the three months ended in Mar. 2025 was $-67 Mil. NCR Atleos's interest coverage for the quarter that ended in Mar. 2025 was 1.48. The higher the ratio, the stronger the company's financial strength is.

The historical rank and industry rank for NCR Atleos's Interest Coverage or its related term are showing as below:

NATL' s Interest Coverage Range Over the Past 10 Years
Min: 1.65 Med: 5.06 Max: 36
Current: 1.79

NATL's Interest Coverage is ranked worse than
90.98% of 1674 companies
in the Software industry
Industry Median: 26.06 vs NATL: 1.79

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

NCR Atleos Interest Coverage Historical Data

The historical data trend for NCR Atleos's Interest Coverage 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.

Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

* Premium members only.

NCR Atleos Interest Coverage Chart

NCR Atleos Annual Data

Trend

Dec20

Dec21

Dec22

Dec23

Dec24

Interest Coverage

36.00

5.06

6.65

2.77

1.65

NCR Atleos Quarterly Data
	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25
Interest Coverage	Get a 7-Day Free Trial									0.97	1.43	1.57	2.71	1.48

Competitive Comparison of NCR Atleos's Interest Coverage

For the Software - Application subindustry, NCR Atleos's Interest Coverage, along with its competitors' market caps and Interest Coverage 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's Interest Coverage Distribution in the Software Industry

For the Software industry and Technology sector, NCR Atleos's Interest Coverage distribution charts can be found below:

* The bar in red indicates where NCR Atleos's Interest Coverage falls into.

Save Embed

;

Save Embed

;

NCR Atleos Interest Coverage Calculation

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

If Interest Expense is negative and Operating Income is positive, then

Interest Coverage

-1

Operating Income

Interest Expense

Else if Interest Expense is negative and Operating Income is negative, then

The company did not have earnings to cover the interest expense.

Else if Interest Expense is 0 and Long-Term Debt & Capital Lease Obligation is 0, then

The company had no debt ⁽¹⁾.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

NCR Atleos's Interest Coverage for the fiscal year that ended in Dec. 2024 is calculated as

Here, for the fiscal year that ended in Dec. 2024, NCR Atleos's Interest Expense was $-309 Mil. Its Operating Income was $509 Mil. And its Long-Term Debt & Capital Lease Obligation was $2,965 Mil.

Interest Coverage	=	-1	*	Operating Income (A: Dec. 2024 )	/	Interest Expense (A: Dec. 2024 )
	=	-1	*	509	/	-309
	=	1.65

NCR Atleos's Interest Coverage for the quarter that ended in Mar. 2025 is calculated as

Here, for the three months ended in Mar. 2025, NCR Atleos's Interest Expense was $-67 Mil. Its Operating Income was $99 Mil. And its Long-Term Debt & Capital Lease Obligation was $2,937 Mil.

Interest Coverage	=	-1	*	Operating Income (Q: Mar. 2025 )	/	Interest Expense (Q: Mar. 2025 )
	=	-1	*	99	/	-67
	=	1.48

The higher the ratio, the stronger the company's Financial Strength is.

NCR Atleos (NYSE:NATL) Interest Coverage Explanation

Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.

Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .

NCR Atleos Interest Coverage Related Terms

Thank you for viewing the detailed overview of NCR Atleos's Interest Coverage provided by GuruFocus.com. Please click on the following links to see related term pages.

NCR Atleos Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Technology » Software » NCR Atleos Corp (NYSE:NATL) » Definitions » Interest Coverage

Comparable Companies

Traded in Other Exchanges

N/A

Address

864 Spring Street NW, Atlanta, GA, USA, 30308

Website

https://www.ncratleos.com

NCR Atleos Corp is 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 manage its operations in the following segments which includes Self-Service Banking, Network, and Telecommunications abd Technology.

Executives

Joseph E Reece	director	ONE VALERO WAY, BUILDING D, SUITE 200, SAN ANTONIO TX 78249
Andrew R Duvall	officer: Vice President, other: Manager	322 S MAIN STREET, GREENVILLE SC 29601
Mary Ellen Baker	director	CITIZENS FINANCIAL GROUP, INC., 600 WASHINGTON BLVD., STAMFORD CT 06901
Mark W Begor	director	181 METRO DRIVE, SAN JOSE CA 95110
Odilon Almeida	director	7001 EAST BELLEVIEW AVENUE, DENVER CO 80237
Von Gillern Jeffry H.	director	U.S. BANCORP, 800 NICOLLET MALL, MINNEAPOLIS MN 55402
Stuart Mackinnon	officer: Chief Operating Officer	3250 BRIARPARK, SUITE 400, HOUSTON TX 77042
Frank A Natoli	director	5995 MAYFAIR ROAD, NORTH CANTON OH 44720
Michelle M Frymire	director	C/O SPIRIT REALTY CAPITAL, INC., 2727 N. HARWOOD STREET, SUITE 300, DALLAS TX 75201
Lashawne Meriwether	officer: Chief Human Resources Officer	10800 ROOSEVELT BLVD. N., ST. PETERSBURG FL 33716
Paul J. Campbell	officer: Chief Financial Officer	864 SPRING STREET, ATLANTA GA 30308
Ricardo J Nunez	officer: EVP, General Counsel & Secrtry	3100 CUMBERLAND BLVD, STE 1700, ATLANTA GA 30339
Timothy Charles Oliver	officer: See Remarks	C/O NCR CORPORATION, 864 SPRING STREET NW, ATLANTA GA 30308
Ncr Corp	10 percent owner	864 SPRING STREET NW, ATLANTA GA 30309
Yi Song	officer: Vice President, other: Manager	864 SPRING STREET, ATLANTA GA 30308