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NCR Atleos (NATL) investor relations material
NCR Atleos Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Completed separation from legacy NCR, redirecting resources to growth initiatives and achieving consistent, transparent financial performance for seven consecutive quarters.
Achieved 6% year-over-year core revenue growth in Q3 2025, driven by self-service banking and ATMaaS expansion, with total revenue reaching $1.12 billion and 70% from recurring streams.
Adjusted EBITDA margin expanded to 19.5%, with adjusted diluted EPS up 22% year-over-year to $1.09 and net income up 24% to $26 million.
Strong free cash flow generation of $124 million and a net leverage ratio of 2.99x, supporting a $200 million share repurchase authorization to begin in Q4.
Vertically integrated self-service offering positions company to benefit from outsourcing trends in banking and retail.
Financial highlights
Q3 2025 consolidated revenue reached $1.121 billion, up 4% year-over-year; core top-line growth was 6%.
Adjusted EBITDA was $219 million, up 7% year-over-year; adjusted net income was $83 million, up 26%.
Adjusted EBITDA margin expanded 40 basis points to 19.5%; adjusted gross margin improved to 26.5%.
Non-GAAP EPS up 22% year-over-year to $1.09; GAAP net income was $26 million, with diluted EPS of $0.34.
Free cash flow of $124 million in Q3; net leverage improved to 2.99x.
Outlook and guidance
FY 2025 total revenue guidance: 1% to 3% growth constant currency; core revenue: 3% to 6% growth.
Adjusted EBITDA guidance: 7% to 10% growth constant currency; $794 million base in 2024.
Non-GAAP diluted EPS target of $3.22; adjusted free cash flow guidance of $242 million to $300 million.
Free cash flow conversion expected to exceed 30% in 2025, approaching 35% in next 12 months.
Share repurchases expected to begin in Q4; year-end net leverage target of 2.8x.
Details on planned share repurchase program
Impact of US immigration policy on Network segment
Reconcile ATMaaS growth with recurring revenue trends
AI dispatch tool impact on service metrics?
2026 EBITDA impact from tariff rate scenarios?
Network segment non-withdrawal revenue growth?
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Next NCR Atleos earnings date
Q4 202513 Feb, 2026
Next NCR Atleos earnings date
Q4 202513 Feb, 2026
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Frequently asked questions
NCR Atleos Corporation is a financial technology company with a global presence. The company specializes in providing self-directed banking solutions across three main segments: Self-Service Banking, Payments and Network, and Telecommunications and Technology. NCR Atleos delivers comprehensive services through automated and interactive teller machine technology, encompassing software, services, hardware, and the Allpoint network. It also offers managed network and infrastructure services to enterprise clients across various industries through direct relationships with communications service providers and technology manufacturers. The company is headquartered in Atlanta, Georgia, and its shares are listed on the NYSE.
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