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NATL (NCR Atleos) Financial Strength : 4 (As of Sep. 2024)


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What is NCR Atleos Financial Strength?

NCR Atleos has the Financial Strength Rank of 4.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.

NCR Atleos's Interest Coverage for the quarter that ended in Sep. 2024 was 1.57. NCR Atleos's debt to revenue ratio for the quarter that ended in Sep. 2024 was 0.72. As of today, NCR Atleos's Altman Z-Score is 1.24.


Competitive Comparison of NCR Atleos's Financial Strength

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

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

* The bar in red indicates where NCR Atleos's Financial Strength falls into.



NCR Atleos Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

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

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:

NCR Atleos's Interest Expense for the months ended in Sep. 2024 was $-79 Mil. Its Operating Income for the months ended in Sep. 2024 was $124 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2024 was $3,008 Mil.

NCR Atleos's Interest Coverage for the quarter that ended in Sep. 2024 is

Interest Coverage=-1*Operating Income (Q: Sep. 2024 )/Interest Expense (Q: Sep. 2024 )
=-1*124/-79
=1.57

The higher the ratio, the stronger the company's financial strength is.

2. Debt to revenue ratio. The lower, the better.

NCR Atleos's Debt to Revenue Ratio for the quarter that ended in Sep. 2024 is

Debt to Revenue Ratio=Total Debt (Q: Sep. 2024 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(88 + 3008) / 4312
=0.72

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

NCR Atleos has a Z-score of 1.24, indicating it is in Distress Zones. This implies bankrupcy possibility in the next two years.

Warning Sign:

Altman Z-score of 1.24 is in distress zone. This implies bankruptcy possibility in the next two years.

* 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  (NYSE:NATL) Financial Strength Explanation

The maximum rank is 10. Companies with rank 7 or higher will be unlikely to fall into distressed situations. Companies with rank of 3 or less are likely in financial distress.

NCR Atleos has the Financial Strength Rank of 4.


NCR Atleos Financial Strength Related Terms

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


NCR Atleos Business Description

Traded in Other Exchanges
N/A
Address
864 Spring Street NW, Atlanta, GA, USA, 30308
NCR Atleos Corp is financial technology company providing self-directed banking solutions to a global 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. They manage its operations in the following segments which includes Self-Service Banking, Network, and Telecommunications & Technology.
Executives
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
Joseph E Reece director ONE VALERO WAY, BUILDING D, SUITE 200, SAN ANTONIO TX 78249
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