Contrasting NCR Atleos (NYSE:NATL) and SHF (NASDAQ:SHFS)

NCR Atleos (NYSE:NATL) and SHF (NASDAQ:SHFS) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their valuation, institutional ownership, analyst recommendations, dividends, profitability, risk and earnings.

Earnings & Valuation

This table compares NCR Atleos and SHF”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
NCR Atleos	$4.35 billion	0.79	$162.00 million	$2.58	18.08
SHF	$7.67 million	0.00	-$2.16 million	($11.88)	-0.00

NCR Atleos has higher revenue and earnings than SHF. SHF is trading at a lower price-to-earnings ratio than NCR Atleos, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a summary of current recommendations for NCR Atleos and SHF, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
NCR Atleos	0	4	1	0	2.20
SHF	1	0	0	0	1.00

NCR Atleos presently has a consensus price target of $50.27, indicating a potential upside of 7.75%. Given NCR Atleos’ stronger consensus rating and higher possible upside, equities research analysts clearly believe NCR Atleos is more favorable than SHF.

Insider & Institutional Ownership

88.7% of NCR Atleos shares are held by institutional investors. Comparatively, 29.2% of SHF shares are held by institutional investors. 0.6% of NCR Atleos shares are held by insiders. Comparatively, 5.8% of SHF shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Profitability

This table compares NCR Atleos and SHF’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
NCR Atleos	4.44%	83.41%	5.87%
SHF	-47.33%	-90.25%	-41.71%

Volatility and Risk

NCR Atleos has a beta of 0.57, indicating that its share price is 43% less volatile than the S&P 500. Comparatively, SHF has a beta of 0.87, indicating that its share price is 13% less volatile than the S&P 500.

Summary

NCR Atleos beats SHF on 11 of the 13 factors compared between the two stocks.

About NCR Atleos

NCR Atleos Corporation operates as a financial technology company in the United States, rest of the Americas, Europe, the Middle East, Africa, and the Asia Pacific. The company operates through three segments: Self-Service Banking, Network, and Telecommunications & Technology (T&T). The Self-Service Banking segment offers solutions, including a line of automated teller machine (ATM) and interactive teller machine (ITM) hardware and software, as well as related installation, maintenance, and managed and professional services; and solutions to manage and run the ATM channel end-to-end for financial institutions comprising back office, cash management, software management and ATM deployment, and others. The Network segment provides a network of ATMs and multi-functioning financial services kiosks for financial institutions, fintechs, neobanks, and retailers; Allpoint network for credit unions, banks, digital banks, fintechs, stored-value debit card issuers, and other consumer financial services providers; ReadyCode to convert a digital value to cash or cash to a digital value; ATM branding solutions to financial institutions; ATM management and services to retailers and other businesses; and engages in the buying and selling of Bitcoins. The T&T segment offers managed network and infrastructure services to enterprise clients across various industries through communications service providers and technology manufacturers; and professional, field, and remote services for modern network technologies, including software-defined wide area networking, network functions virtualization, wireless local area networks, optical networking, and edge networks. NCR Atleos Corporation is headquartered in Atlanta, Georgia.

About SHF

SHF Holdings, Inc., through its subsidiaries, provides access to banking, lending, and other financial services to financial institutions serving the cannabis industry. The company, through its proprietary platform, offers access to business checking and savings accounts, cash management accounts, savings and investment options, commercial lending, courier services, remote deposit services, automated clearing house payments and origination, and wire payments. Its services allow cannabis related businesses to obtain services from financial institutions that allow them to run their business with enhanced financial insight into their business and access to resources. The company was founded in 2015 and is based in Golden, Colorado. SHF Holdings, Inc. operates as a subsidiary of Partner Colorado Credit Union.