NATL (NCR Atleos) Retained Earnings: $306 Mil (As of Mar. 2026)


NATL NCR Atleos Corp NATL
49 GF Score
Price $44.93
GF Value $28.61
Valuation Significantly Overvalued
! 5 Warning Signs
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What is NCR Atleos Retained Earnings?

NCR Atleos NATL +0.36% 49 Retained Earnings is $306 Mil as of Mar. 2026. GuruFocus rates NATL with a GF Score™ of 49/100 and a GF Value™ of $28.61 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. NCR Atleos's retained earnings for the quarter that ended in Mar. 2026 was $306 Mil.

NCR Atleos's quarterly retained earnings increased from Sep. 2025 ($268 Mil) to Dec. 2025 ($299 Mil) and increased from Dec. 2025 ($299 Mil) to Mar. 2026 ($306 Mil).

NCR Atleos's annual retained earnings increased from Dec. 2023 ($117 Mil) to Dec. 2024 ($188 Mil) and increased from Dec. 2024 ($188 Mil) to Dec. 2025 ($299 Mil).


NCR Atleos  (NYSE:NATL) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


NCR Atleos Retained Earnings Historical Data

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The historical data trend for NCR Atleos's Retained Earnings 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 Retained Earnings Chart

NCR Atleos Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial 0.00 0.00 117.00 188.00 299.00

NCR Atleos Quarterly Data
Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 249.00 276.00 268.00 299.00 306.00
NATL
49GF Score
NCR Atleos Corp NATL
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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NCR Atleos Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $306 Mil mean?
NCR Atleos (NATL) has a Retained Earnings of $306 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on NCR Atleos and its competitors.
Is NCR Atleos' Retained Earnings too high?
NCR Atleos' current Retained Earnings is $306 Mil. 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' Retained Earnings compare to RNG and QTWO?
NCR Atleos' Retained Earnings of $306 Mil 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 Retained Earnings for a Software company?
A good Retained Earnings depends on the Software industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on NCR Atleos and its competitors. NCR Atleos's current Retained Earnings is $306 Mil. 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 $28.61, compared to a current price of $44.93 — trading 57% above its estimated fair value. The current Retained Earnings is $306 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For NCR Atleos (NATL), the current Retained Earnings is $306 Mil 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 $44.93 is trading 57% above its estimated GF Value™ of $28.61. GuruFocus considers NCR Atleos to be Significantly Overvalued.

Key valuation signals for NATL:

  • Retained Earnings: $306 Mil
  • GF Value™: $28.61 vs. price of $44.93 (57% 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

Other Exchanges Y2G:Germany
Address 864 Spring Street NW, Atlanta, GA, USA, 30308
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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Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$44.93
Price
$28.61
GF Value