WallStSmart

NCR Atleos Corporation (NATL)vsUber Technologies Inc (UBER)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Uber Technologies Inc generates 1150% more annual revenue ($55.23B vs $4.42B). UBER leads profitability with a 17.3% profit margin vs 4.4%. UBER trades at a lower P/E of 15.9x. UBER earns a higher WallStSmart Score of 64/100 (C+).

NATL

Buy

58

out of 100

Grade: C

Growth: 6.0Profit: 7.0Value: 6.0Quality: 4.0
Piotroski: 4/9Altman Z: 1.14

UBER

Buy

64

out of 100

Grade: C+

Growth: 8.0Profit: 7.5Value: 5.3Quality: 4.5
Piotroski: 4/9Altman Z: 1.47
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for NATL.

UBERUndervalued (+0.4%)

Margin of Safety

+0.4%

Fair Value

$71.93

Current Price

$71.67

$0.26 discount

UndervaluedFair: $71.93Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NATL3 strengths · Avg: 9.3/10
Return on EquityProfitability
44.4%10/10

Every $100 of equity generates 44 in profit

EPS GrowthGrowth
65.4%10/10

Earnings expanding 65.4% YoY

P/E RatioValuation
17.6x8/10

Attractively priced relative to earnings

UBER5 strengths · Avg: 9.0/10
Return on EquityProfitability
35.1%10/10

Every $100 of equity generates 35 in profit

EPS GrowthGrowth
85.5%10/10

Earnings expanding 85.5% YoY

Market CapQuality
$146.39B9/10

Large-cap with strong market position

P/E RatioValuation
15.9x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$2.79B8/10

Generating 2.8B in free cash flow

Areas to Watch

NATL4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
0.1%4/10

0.1% revenue growth

Profit MarginProfitability
4.4%3/10

4.4% margin — thin

Free Cash FlowQuality
$-32.00M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
1.142/10

Distress zone — elevated risk

UBER2 concerns · Avg: 2.0/10
PEG RatioValuation
6.152/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.472/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : NATL

The strongest argument for NATL centers on Return on Equity, EPS Growth, P/E Ratio.

Bull Case : UBER

The strongest argument for UBER centers on Return on Equity, EPS Growth, Market Cap. Profitability is solid with margins at 17.3% and operating margin at 13.3%. Revenue growth of 12.2% demonstrates continued momentum.

Bear Case : NATL

The primary concerns for NATL are Revenue Growth, Profit Margin, Free Cash Flow. Debt-to-equity of 6.33 is elevated, increasing financial risk. Thin 4.4% margins leave little buffer for downturns.

Bear Case : UBER

The primary concerns for UBER are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

NATL profiles as a value stock while UBER is a mature play — different risk/reward profiles.

UBER carries more volatility with a beta of 1.16 — expect wider price swings.

UBER is growing revenue faster at 12.2% — sustainability is the question.

UBER generates stronger free cash flow (2.8B), providing more financial flexibility.

Bottom Line

UBER scores higher overall (64/100 vs 58/100), backed by strong 17.3% margins and 12.2% revenue growth. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

NCR Atleos Corporation

TECHNOLOGY · SOFTWARE - APPLICATION · USA

NCR ATMCo, LLC is a financial technology company in the United States, rest of Americas, the United Kingdom, rest of Europe, the Middle East, Africa, and the Asia Pacific.

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Uber Technologies Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Uber Technologies, Inc., commonly known as Uber, is an American technology company. Its services include ride-hailing, food delivery (Uber Eats), package delivery, couriers, freight transportation, and, through a partnership with Lime, electric bicycle and motorized scooter rental. The company is based in San Francisco, California.

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