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NCR Atleos cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$147M in Q3 2026 · $309M over twelve months

Operating cash flow$198M
Capital spending−$51.0M
Free cash flow+$147M
Cash / net income2.0×

Analysis

In Q3 2026, NCR Atleos generated $198M of operating cash flow and spent $51.0M on capital projects, leaving free cash flow of $147M. That is $150M more than in Q3 2025 (−$3.0M).

Over the twelve months to Sep 30, 2026, operating cash flow was $450M; the largest uses were net borrowing (+) / repaid (−) ($347M), capital spending ($141M), buybacks ($44.0M); besides operations, cash came from asset & business sales ($45.0M), shares issued ($4.0M); the cash balance fell by $96.0M.

Operating cash flow was $198M against net income of $97.0M — 2.0× profit, cash ran ahead of reported earnings. The largest differences: receivables +$82.0M, depreciation & amortization +$72.0M, other operating capital −$56.0M.

Free cash flow

NCR Atleos: free cash flow by quarterNCR Atleos: free cash flow by quarter$62.0MQ4 2024$94.0MQ1 2025−$46.0MQ2 2025−$3.0MQ3 2025$194MQ4 2025−$36.0MQ1 2026$4.0MQ2 2026$147MQ3 2026
Operating cash flow less capital spending.
NCR Atleos: operating cash flow against capital spendingNCR Atleos: operating cash flow against capital spendingOperating cash flowCapital spending$80.0M$18.0MQ4 2024$123M$29.0MQ1 2025−$25.0M$21.0MQ2 2025$27.0M$30.0MQ3 2025$231M$37.0MQ4 2025−$9.0M$27.0MQ1 2026$30.0M$26.0MQ2 2026$198M$51.0MQ3 2026
Latest (Q3 2026): Operating cash flow $198M, Capital spending $51.0M.

Capital allocation, year by year

NCR Atleos: where the cash came from (up) and went (down), by fiscal yearNCR Atleos: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksFY2021: Operating cash flow $449MFY2021: Net borrowing −$3.0MFY2021: Capital spending −$80.0MFY2021: Acquisitions −$2.3B$449MFY2021FY2022: Operating cash flow $274MFY2022: Net borrowing −$2.0MFY2022: Capital spending −$58.0MFY2022: Acquisitions −$78.0M$274MFY2022FY2023: Operating cash flow $355MFY2023: Net borrowing $2.7BFY2023: Capital spending −$108MFY2023: Acquisitions −$1.0M$3.1BFY2023FY2024: Operating cash flow $344MFY2024: Net borrowing −$1.2BFY2024: Shares issued $4.0MFY2024: Asset sales $1.0MFY2024: Capital spending −$87.0M$349MFY2024FY2025: Operating cash flow $356MFY2025: Net borrowing −$1.2BFY2025: Shares issued $11.0MFY2025: Asset sales $56.0MFY2025: Capital spending −$117MFY2025: Acquisitions −$17.0MFY2025: Buybacks −$28.0M$423MFY2025
Over these 5 years operating cash flow totalled $1.8B; the largest uses were acquisitions ($2.4B) and net borrowing ($2.4B). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$311M
Debt$2.5B
Net debt$2.1B
Due within a year$80.0M

NCR Atleos funds itself: free cash flow was $309M over the last twelve months, and $311M of cash and investments stands against $2.5B of debt ($80.0M due within a year, 3.9× covered by cash).

NCR Atleos: debt maturities by year (FY2025)NCR Atleos: debt maturities by year (FY2025)$80.0MYear 1$93.0MYear 2$949MYear 3$1.7BYear 4
Principal due in each year as disclosed in the annual report, against $311M of cash and investments now.

Where the cash came from and went

NCR Atleos: sources (+) and uses (−) of cash, Q3 2026NCR Atleos: sources (+) and uses (−) of cash, Q3 2026Net borrowing (+) / repaid (−)−$260MOperating cash flow$198MCash drawn (+) / kept (−)$114MCapital spending−$51.0MAsset & business sales$13.0MOther investing−$12.0MTaxes on employees’ shares−$1.0MExchange rates−$1.0M
NCR Atleos: sources (+) and uses (−) of cash, TTM to Q3 2026NCR Atleos: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$450MNet borrowing (+) / repaid (−)−$347MCapital spending−$141MCash drawn (+) / kept (−)$96.0MAsset & business sales$45.0MBuybacks−$44.0MOther investing−$33.0MTaxes on employees’ shares−$19.0MOther financing−$12.0MShares issued$4.0MExchange rates$2.0MAcquisitions−$1.0M

From profit to cash

NCR Atleos: net income to operating cash flow, Q3 2026NCR Atleos: net income to operating cash flow, Q3 2026Net income$97.0MDepreciation & amortization$72.0MStock-based pay$9.0MDeferred taxes$3.0MGains on disposals−$6.0MReceivables$82.0MInventory−$24.0MDeferred revenue−$26.0MOther operating capital−$56.0MOperating cash flow$198M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$198M−$51.0M——−$260M—$114M$147M
Q2 2026$30.0M−$26.0M——$8.0M—−$9.0M$4.0M
Q1 2026−$9.0M−$27.0M—−$16.0M$26.0M—$48.0M−$36.0M
Q4 2025$231M−$37.0M—−$28.0M−$121M$4.0M−$57.0M$194M
Q3 2025$27.0M−$30.0M−$17.0M—−$47.0M—$61.0M−$3.0M
Q2 2025−$25.0M−$21.0M——−$21.0M—$34.0M−$46.0M
Q1 2025$123M−$29.0M——−$25.0M—−$41.0M$94.0M
Q4 2024$80.0M−$18.0M——−$261M$1.0M$43.0M$62.0M

NCR Atleos: income statement and cash flow

NCR Atleos, Q3 2026: revenue $1.1B (-2% year over year), operating margin 16.7%. The chart follows the revenue to costs, profit and cash.

NCR Atleos: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.