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The Screen · Technology · Software - Application
NCR Atleos Corporation
NATL · the NYSE · USD · Market cap $3.4B · 20,000 employees
NCR Atleos Corporation, a financial technology company, engages in the provision of self-directed banking solutions to financial institutions, merchants, manufacturers, retailers, and consumers in the United States, rest…
FAIL · Does not pass the screen
46.20 USD
At the last full screen 2026-09-15
Screened 2026-09-15 · the tape above runs as of 23:00 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its accumulation label.
NCR Atleos Corporation holds its Accumulation at $46.20. Consolidating, no directional conviction, held for 182 days.
As held on the ledger · 2026-09-15
Phase
Accumulation
Quantitative state
Consolidating, no directional conviction, held for 182 days
Price at the screen
$46.20
Valuation
17.91 trailing · 8.62 forward price to earnings
Values screen
FAIL· score 70.0
Beta
0.56
The Workings
Five Screens, Shown in Full
Does not pass. Debt ratio
Test
Figure
Limit
What it means
Status
Business activity
Permissible
Core business clean
Its core business isn't built on prohibited lines: no gambling, alcohol, tobacco, weapons, or interest-based lending.
Pass
Debt load
51.11%
Below 33%
Interest-bearing debt is 51.1% of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
0.00%
Below 33%
Cash held in interest-bearing accounts and securities is 0.0% of assets, under the one-third limit.
Pass
Receivables
17.22%
Below 49%
Money owed to the company is 17.2% of assets, under the 49% limit.
Pass
Revenue purity
0.14%
Below 5%
Only 0.1% of revenue comes from non-compliant sources, under the 5% line.
Pass
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
Fair value range in USD, drawn from the 2026-09-15 screen. The gold marker is the market price at the same screen. A 9.1% margin of safety to the base estimate.
Third-party analyst targets: 2 covering, consensus Hold. The average target sits +9% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-15 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
ATMs Still Anchor Everyday Banking Worldwide
Every time a shopper in Lagos or a pensioner in Ohio pulls cash from a machine, NCR Atleos runs the hardware and software behind it. The shares sit at 8.9 times forward earnings with a 51 percent return on equity and clear the ethical screen without issue. Revenue grows at six percent, yet the gap between price and our fair value is only six percent.
Analysts offer no strong view and cluster their targets right around the current level. Profit margins remain thin at four percent, leaving little room for error if volumes soften.
Currency moves, faster digital payment shifts and an unknown competitive edge add real pressure. The low multiple may simply flag peak cycle earnings rather than an overlooked bargain. Analysis, not advice.
The risks · The things to watch: it carries a real debt load, which raises the stakes if revenue slips.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
NATL trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-09-06Markdown · changed$46.44-2.1%Entry 5
The framework has shifted from accumulation to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 2.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 12% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 59%. Our forward projection puts the odds of a 10% gain over the next month near 30%. The street (3 analysts) rates it none, with a mean price target of $50.
2026-08-06Accumulation$47.43+7.1%Entry 4
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 7.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 12% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 59%. Our forward projection puts the odds of a 10% gain over the next month near 30%. The street (3 analysts) rates it none, with a mean price target of $50.
2026-07-18Accumulation$44.27+0.0%Entry 3
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 12% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 59%. Our forward projection puts the odds of a 10% gain over the next month near 30%. The street (3 analysts) rates it none, with a mean price target of $50.
2026-07-03Accumulation$44.27+0.0%Entry 2
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen (70). The risk-adjusted return profile shows good risk-adjusted returns.
2026-07-02Accumulation$44.27Entry 1
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Ethical screening: PASS with passing ethical screen (70). The risk-adjusted return profile shows good risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
