NATL (NCR Atleos) LT-Debt-to-Total-Asset: 0.51 (As of Mar. 2026)

What is NCR Atleos LT-Debt-to-Total-Asset?

NCR Atleos NATL +1.24% 49 LT-Debt-to-Total-Asset is 0.51 as of Mar. 2026. GuruFocus rates NATL with a GF Score™ of 49/100 and a GF Value™ of $28.57 (Significantly Overvalued). The stock has 5 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. NCR Atleos's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.51.

NCR Atleos's long-term debt to total assets ratio declined from Mar. 2025 (0.51) to Mar. 2026 (0.51). It may suggest that NCR Atleos is progressively becoming less dependent on debt to grow their business.

NCR Atleos (NYSE:NATL) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

NCR Atleos LT-Debt-to-Total-Asset Related Terms

NCR Atleos LT-Debt-to-Total-Asset Historical Data

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The historical data trend for NCR Atleos's LT-Debt-to-Total-Asset 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.

NCR Atleos LT-Debt-to-Total-Asset Chart

NCR Atleos Annual Data

Trend

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.22

0.13

0.53

0.54

0.50

NCR Atleos Quarterly Data
	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial													0.51	0.51	0.52	0.50	0.51

49GF Score

NCR Atleos Corp NATL

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NCR Atleos LT-Debt-to-Total-Asset Calculation

NCR Atleos's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	2811	/	5668
	=	0.50

NCR Atleos's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	2849	/	5641
	=	0.51

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.51 mean?

NCR Atleos (NATL) has a LT-Debt-to-Total-Asset of 0.51 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on NCR Atleos and its competitors.

Is NCR Atleos' LT-Debt-to-Total-Asset too high?

NCR Atleos' current LT-Debt-to-Total-Asset is 0.51. 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' LT-Debt-to-Total-Asset compare to RNG and QTWO?

NCR Atleos' LT-Debt-to-Total-Asset of 0.51 can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Software company?

A good LT-Debt-to-Total-Asset depends on the Software industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on NCR Atleos and its competitors. NCR Atleos's current LT-Debt-to-Total-Asset is 0.51. 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 $28.57, compared to a current price of $43.41 — trading 51.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.51. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For NCR Atleos (NATL), the current LT-Debt-to-Total-Asset is 0.51 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 $43.41 is trading 51.9% above its estimated GF Value™ of $28.57. GuruFocus considers NCR Atleos to be Significantly Overvalued.

Key valuation signals for NATL:

LT-Debt-to-Total-Asset: 0.51
GF Value™: $28.57 vs. price of $43.41 (51.9% above fair value)
GF Score™: 49/100 with 5 warning signs

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 Business Description

Industry Technology Software

Comparable Companies RNG QTWO ADEA DBD CCC AGYS BILL SOUN BULL WK XTER:SAP UBER SHOP CRM CDNS NOW ADP SNOW DDOG ADBE

Other Exchanges Y2G:Germany

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

Website https://www.ncratleos.com

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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$43.41

Price

$28.57

GF Value

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