NCR AtleosNATL +1.24%49 ROA % is 1.56% as of Mar. 2026, which is 10% below its 10-year median of 1.74. 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. Among 2,881 Software companies, NCR Atleos ranks better than 57.2% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. NCR Atleos's annualizedNet Income for the quarter that ended in Mar. 2026 was $88 Mil.
NCR Atleos's average Total Assets over the quarter that ended in Mar. 2026 was $5,655 Mil. Therefore, NCR Atleos's annualized ROA % for the quarter that ended in Mar. 2026 was 1.56%.
The historical rank and industry rank for NCR Atleos's ROA % or its related term are showing as below:
NATL'
s ROA % Range Over the Past 10 Years
Min: -2.61 Med: 1.74 Max: 3.33
Current: 3.09
During the past 6 years, NCR Atleos's highest ROA % was 3.33%. The lowest was -2.61%. And the median was 1.74%.
NATL's ROA % is ranked better than 57.2% of 2881
companies
in the Software industry
Industry Median: 1.65
vs NATL: 3.09
NCR Atleos (NYSE:NATL) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
NCR Atleos ROA % Related Terms
NCR Atleos ROA % Historical Data
* Premium members only.
The historical data trend for NCR Atleos's ROA % 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.
For the Software - Application subindustry, NCR Atleos's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Software Industry
For the Software industry and Technology sector, NCR Atleos's ROA % distribution charts can be found below:
* The bar in red indicates where NCR Atleos's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
NCR Atleos (NATL) has a ROA % of 1.56% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on NCR Atleos and its competitors. This is 10% below median its historical median of 1.74. According to the industry distribution chart, NCR Atleos ranks #1233 out of 2881 companies in the Software industry, placing it in the top 42.8%.
Is NCR Atleos' ROA % too high?
NCR Atleos' current ROA % of 1.56% is 10% below median its 10-year median of 1.74. The Software industry median ROA % is 1.65. NCR Atleos' value of 1.56% is 5.5% below this industry median. Based on the distribution chart, NCR Atleos ranks #1233 out of 2881 companies in the Software industry, which is above the industry midpoint. 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' ROA % compare to RNG and QTWO?
According to the Software industry distribution chart, NCR Atleos ranks #1233 out of 2881 companies for ROA %. This puts NCR Atleos in the upper half of its industry. The industry median ROA % is 1.65. NCR Atleos' value of 1.56% is 5.5% below this benchmark. While the company's 10-year median is 1.74 vs. the industry median of 1.65, NCR Atleos has consistently been below 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 ROA % for a Software company?
The median ROA % among Software companies is 1.65, based on 2,881 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NCR Atleos's current ROA % of 1.56% is 5.5% below 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on NCR Atleos and its competitors. For the Software industry, the median ROA % is 1.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NCR Atleos's current ROA % is 1.56%, which is 10% below median its own 10-year median of 1.74. 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 ROA % is 1.56%, which is 10% below median its 10-year median of 1.74 and 5.5% below the Software industry median of 1.65. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For NCR Atleos (NATL), the current ROA % is 1.56% 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:
ROA %: 1.56% (10% below median its 10-year median of 1.74)
GF Value™: $28.57 vs. price of $43.41 (51.9% above fair value)
Industry Position: 5.5% below the Software median (#1233 of 2881)
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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