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NCR Atleos Corporation (NATL) — RQD Stock Rating Cockpit

$46.67 +1.86% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $46.74

NCR Atleos Corporation (NATL) carries a Roarable Rating of D+ (Sell) with 55/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $3.39B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on NATL Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is NATL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, NCR Atleos Corporation (NYSE: NATL) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $46.67 (+1.86% 1D, market cap $3.39B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 8/20, FRED Macro Regime Fit 9/20, and SEC Balance-Sheet Forensics 16/20. Across 485 tracked Industrials issuers, NATL ranks #172 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does NATL compare to PBI and DBD in the Industrials sector?
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Within the Industrials sector (Office Equipment/Supplies/Services), NATL carries a Roarable D+ (55/100 RQD), trailing P/E of 20.9x, gross margin of —, and ROIC of 14.4%. By comparison, PBI (Pitney Bowes Inc.) holds a C grade (63/100 RQD, P/E 15.6x, ROIC —, cap $2.21B) and DBD (Diebold Nixdorf Incorporated) posts a D grade (51/100 RQD, P/E 21.0x, ROIC 11.5%, cap $1.85B). Among the 5-stock peer group, PBI leads on earnings multiple (15.6x) while NATL leads on capital efficiency (14.4% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for NATL?
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Per NATL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001974138), NCR Atleos Corporation generated $4.35B in revenue (+1.1% YoY), $162.0M in net income, and $239.0M in free cash flow against $5.67B in total assets and $2.67B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $46.74 (+0.14%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 5.5% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY • 51.4% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510055
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk D-
Cash (11)Whales (11)SEC (8)Macro (9)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE-1.3% Base Target
$54 Bull$46 Base$36 Bear
📬 FREE NATL RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NATL)Realized 20D OHLCV Swing Band: ±2.7%
Deterministic 5-Pillar Attribution (55/100 Composite)
🔍 WHY NATL SCORES 55/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (29% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+11/20 pts (20% of score)

SEC XBRL FY 2025 (10-K): 5.5% FCF Margin ($239.0M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk8/20 pts (-12 pt drag)

Balance-sheet & 10-K footnote risk deducts 12 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
47
Grade D$46.05+1.1% Next Q
Q2 (-2Q)
50
Grade C-$46.56-0.3% Next Q
Q3 (-1Q)
52
Grade C-$46.44+0.5% Next Q
Current
55
Grade D+$46.67-0.5% Hist 90D α
Trajectory: D (47) → D+ (55)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the NATL Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 55/100 (D+) score, NATL faces multiple-compression risk if 20.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($45.97) or 200D SMA ($44.50) invalidates the momentum regime and cuts Target Base ($46.04) toward Bear Floor ($35.91).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NATL• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “NATL Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 55%NO 45%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
47.430 Oversold · 70 Hot
ALTMAN-Z SHIELDDISTRESS RISK (<1.8)
1.49>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
5 / 99-Pt Accounting
52-WEEK LASER RANGE88% OF RANGE
L: $33$46.67H: $49
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C+RQD 27 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D-RQD 17 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on NATL

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (55)

14.4% ROIC with 42.0% gross margin and 7.08% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BEARISH (40)

Altman-Z 1.49 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (60)

27/40 institutional & smart-money positioning score with 9/20 macro alignment.

Bull Case: Why Buyers Like NATL
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
  • !Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring NATL)

  • ✓Walkthrough of NATL's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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NATL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +5.97%📐 HORIZONTAL RANGE
2026-11-03O $45.71H $46.67L $45.71C $46.67VOL 512.2K
RES: $47.59SUP: $43.87SMA50: $45.97SMA200: $44.50
$48.83$46.20$43.57$40.94$38.31RES $47.59SUP $43.87$46.672026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NATL Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NATL Butterfly Map → + Track NATL →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
14.5%/yr Implied 5Y Growth

vs. +1.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on NATL today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NATL. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for NATL today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NATL)

Industrials Rank #172 of 485 ⚔️ PBI vs NATL Full Matrix →

1. Head-to-Head Industrials Peer Comparison (NATL vs. PBI, DBD, VYX, PAR)

Industry: Office Equipment/Supplies/Services (13 Tracked Issuers)

Across 485 tracked Industrials securities in the Roarable RQD universe, NCR Atleos Corporation (NATL) ranks #172 by composite RQD confidence (55/100, grade D+) and #173 by equity capitalization ($3.39B). Within this direct 5-issuer industry benchmark cohort, PBI leads on earnings valuation at 15.6x trailing P/E, while NATL leads on capital efficiency and profitability with 14.4% ROIC and — gross margin. PBI currently holds the highest overall quantitative score in the immediate peer group at 63/100 (C) compared with NATL at 55/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
NATL ACTIVE
NCR Atleos Corporation
D+ 55/100 20.9x — 14.4% +1.86% $3.39B Benchmark Subject
PBI
Pitney Bowes Inc.
C 63/100 15.6x — — -1.16% $2.21B /pbi-vs-natl →
DBD
Diebold Nixdorf Incorporated
D 51/100 21.0x 25.3% 11.5% +1.82% $1.85B /dbd-vs-natl →
VYX
NCR Voyix Corporation
E 32/100 18.3x — 1.1% +5.19% $1.17B /vyx-vs-natl →
PAR
PAR Technology Corporation
E 31/100 — 43.5% -4.9% +1.92% $730.9M /par-vs-natl →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001974138

In its most recent audited fiscal period (FY2025, filed 2025-12-31), NCR Atleos Corporation (NATL) reported GAAP revenue of $4.35B (+1.1% vs. FY2024 revenue of $4.30B , and +4.0% cumulative change since FY2023) , GAAP net income of $162.0M, operating cash flow of $356.0M, and free cash flow of $239.0M (-7.0% YoY). On the balance sheet, NATL closed FY2025 with $5.67B in total assets against $2.67B in total debt (Altman Z-Score: 1.49, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $4.35B $162.0M $356.0M $239.0M $5.67B $2.67B
FY2024 (FY) 2024-12-31 $4.30B $80.0M $344.0M $257.0M $5.54B $2.86B
FY2023 (FY) 2023-12-31 $4.19B -$150.0M $355.0M $355.0M — —

3. NATL Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NATL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, NCR Atleos Corporation (NYSE: NATL) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $46.67 (+1.86% 1D, market cap $3.39B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 8/20, FRED Macro Regime Fit 9/20, and SEC Balance-Sheet Forensics 16/20. Across 485 tracked Industrials issuers, NATL ranks #172 in composite RQD confidence.

How does NATL compare to PBI and DBD in the Industrials sector?

Within the Industrials sector (Office Equipment/Supplies/Services), NATL carries a Roarable D+ (55/100 RQD), trailing P/E of 20.9x, gross margin of —, and ROIC of 14.4%. By comparison, PBI (Pitney Bowes Inc.) holds a C grade (63/100 RQD, P/E 15.6x, ROIC —, cap $2.21B) and DBD (Diebold Nixdorf Incorporated) posts a D grade (51/100 RQD, P/E 21.0x, ROIC 11.5%, cap $1.85B). Among the 5-stock peer group, PBI leads on earnings multiple (15.6x) while NATL leads on capital efficiency (14.4% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NATL?

Per NATL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001974138), NCR Atleos Corporation generated $4.35B in revenue (+1.1% YoY), $162.0M in net income, and $239.0M in free cash flow against $5.67B in total assets and $2.67B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NATL trading relative to its 50-day, 200-day, and 52-week technical levels?

NATL last traded at $46.67 (+1.86% on volume of 794,723 shares), positioning the stock +1.52% above its 50-day simple moving average ($45.97) and +4.88% above its 200-day simple moving average ($44.50). Across its 52-week range of $33.31 to $48.50, NATL sits at the 88.0% percentile with a 14-day RSI of 47.4 (NEUTRAL RANGE) and an implied next-earnings move of ±2.7% ($45.41 to $47.93).

Direct Sub-Reports: NATL RQD Cockpit NATL 12M Forecast NATL Earnings & Move NATL Dividends & DRIP NATL Insiders & 13F NATL Whale Options NATL Profit Sankey NATL News & Why
ROARABLE RATING BRIEF • RQD 55/100 (D+) ✓ SEC XBRL & RQD VERIFIED

NATL — NCR Atleos Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

NCR Atleos Corporation (NATL) earns a live Roarable RQD composite score of 55/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $46.67 (+1.86% 1D, market capitalization $3.39B).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 14.4%, gross margin of —, operating margin of 11.0%, and free cash flow yield of 7.08%.
  • Whale 13F & Options Flow (11/20) + Insider Conviction (8/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (9/20) + Forensic Balance Sheet (16/20): Incorporates a 1.00x equity beta, Altman Z-Score of 1.49, Piotroski F-Score of 5/9, and Debt/Equity of 6.63x.

2. Business Model, Unit Margins & SEC Financial Trajectory

NCR Atleos Corporation (NATL) is a NYSE-listed issuer classified in the Industrials sector and the Office Equipment/Supplies/Services industry. The profile identifies the company's market capitalization as $3.4B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), NCR Atleos Corporation (NATL) reported $4.35B in annual revenue (up from $4.30B in FY2024, +1.1% YoY) and $162.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($4.19B revenue, -$150.0M net income) through FY2025, NATL scaled operating cash flow to $356.0M and free cash flow to $239.0M, backed by $5.67B in total assets against $2.67B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 55/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 7.08% and institutional whale pillar of 11/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $33.31 – $48.50 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 20.9x trailing P/E and 9.7x EV/EBITDA against 11.0% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies cannot be mapped from the source data. Sector context is limited to the Industrials / Office Equipment/Supplies/Services classification.

What a prospective investor can take from this: the absence of mapped links means the stock's sensitivity to suppliers, customers, or peers cannot be assessed here. The regulatory thread in the news feed (the Brink's/NCR Atleos antitrust remedy) is the one identifiable ripple, since remedy terms could affect the transaction's economics. Its financial magnitude is not in the source data.

  • Key Question #1: Can NATL sustain or expand its 11.0% operating margin and 14.4% ROIC against Office Equipment/Supplies/Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $4.35B and free cash flow of $239.0M, how will capital allocation balance growth reinvestment against $2.67B in total debt?
  • Key Question #3: How sensitive is NATL's 19.4x forward P/E multiple to Industrials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

NATL Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for NCR Atleos Corporation (NATL) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to NATL Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

NATL Bull vs. Bear Conversation Board — What's Your Call at $46.67?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON NATL 🐻 33% BEARISH CONVICTION
1. Pick Your Side on NATL:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $60.02 (+31.0%)
📌 Pinned Debate

Insider-conviction pillar scores 16/20 and ROIC of 14.4% with a 7.08% FCF yield signal cash generation and insider interest despite a w

Don't sleep on NATL's setup in Industrials. Insider-conviction pillar scores 16/20 and ROIC of 14.4% with a 7.08% FCF yield signal cash generation and insider interest despite a weak rating.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (55/100) backs up the fundamental quality.

RetailWhale_TX 🐂 BULL

Both sides have a point here — NATL's 8/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $38.95 (-15.0%)
Spot @ $45.82

Debt/Equity of 6.63 and an Altman Z of 1.49 point to a heavily levered balance sheet that caps the stock's rating at D+.

Fading this rally in NATL at $45.82. Debt/Equity of 6.63 and an Altman Z of 1.49 point to a heavily levered balance sheet that caps the stock's rating at D+.. With a beta of 1.0 and the stock sitting at $45.82 (52-wk range $33.31–$48.50), the easy multiple expansion is already priced in.

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