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NCR Atleos Corporation (NATL) — RQD Stock Rating Cockpit

$45.71 +0.93% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $45.70

NCR Atleos Corporation (NATL) carries a Roarable Rating of D+ (Sell) with 56/100 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.

📊 Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $3.38B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $45.70 (-0.02%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 5.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY • 51.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

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

Each axis scored 0–20

12M PRICE TARGET CONE-0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NATL)Realized 20D OHLCV Swing Band: ±2.8%

Deterministic 5-Pillar Attribution (56/100 Composite)

🔍 WHY NATL SCORES 56/100 (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: Macro Regime Fit+12/20 pts (21% of score)

FRED Regime × Technicals: 82% of 52W Range • RSI-14 at 47.1 (NEUTRAL RANGE)

▼ #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)

Grade C+$45.79+0.3% Next Q

Q2 (-2Q)

Grade C$45.94+2.6% Next Q

Q3 (-1Q)

Grade C$47.15-3.1% Next Q

Current

Grade D+$45.71-0.4% Hist 90D α

Trajectory: C+ (64) → D+ (56)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 56/100 (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

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

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($46.00) or 200D SMA ($44.45) invalidates the momentum regime and cuts Target Base ($45.30) toward Bear Floor ($35.33).

🎲 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 56%NO 44%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

47.130 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 RANGE82% OF RANGE

L: $33$45.71H: $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: CRQD 25 / 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: DRQD 20 / 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 (62)

25/40 institutional & smart-money positioning score with 12/20 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

!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

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

NATL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.00%📐 HORIZONTAL RANGE

2026-10-30O $45.33H $45.98L $45.33C $45.71VOL 512.2K

RES: $47.61SUP: $43.94SMA50: $46.00SMA200: $44.45

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #231 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 #231 by composite RQD confidence (56/100, grade D+) and #176 by equity capitalization ($3.38B). 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 66/100 (C+) compared with NATL at 56/100 (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+	56/100	20.9x	—	14.4%	+0.93%	$3.38B	Benchmark Subject
PBI Pitney Bowes Inc.	C+	66/100	15.6x	—	—	-5.62%	$2.26B	/pbi-vs-natl →
DBD Diebold Nixdorf Incorporated	C-	61/100	21.0x	25.3%	11.5%	+1.84%	$1.99B	/dbd-vs-natl →
VYX NCR Voyix Corporation	E	31/100	18.3x	—	1.1%	+3.27%	$1.13B	/vyx-vs-natl →
PAR PAR Technology Corporation	E	31/100	—	43.5%	-4.9%	+3.55%	$736.3M	/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 2026-11-01, NCR Atleos Corporation (NYSE: NATL) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $45.71 (+0.93% 1D, market cap $3.38B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 8/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 485 tracked Industrials issuers, NATL ranks #231 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+ (56/100 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 (66/100 RQD, P/E 15.6x, ROIC —, cap $2.26B) and DBD (Diebold Nixdorf Incorporated) posts a C- grade (61/100 RQD, P/E 21.0x, ROIC 11.5%, cap $1.99B). 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: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.. 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 $45.71 (+0.93% on volume of 582,903 shares), positioning the stock -0.63% below its 50-day simple moving average ($46.00) and +2.83% above its 200-day simple moving average ($44.45). Across its 52-week range of $33.31 to $48.50, NATL sits at the 81.6% percentile with a 14-day RSI of 47.1 (NEUTRAL RANGE) and an implied next-earnings move of ±2.8% ($44.43 to $46.99).

NATL Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell NATL stock right now?

NCR Atleos Corporation (NATL) currently earns a Roarable Rating of D+ (Sell — SELL) with 56/100 RQD Confidence. Stretched risk/reward at 21x P/E (14% return on capital) under elevated 10-year interest-rate pressure.

What is NATL's 12-month price target and RQD AI Jury consensus?

NATL's 12-month base price target is $45.3 (range $35.33 to $53.45), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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