Reviewing NCR Atleos (NYSE:NATL) & Payoneer Global (NASDAQ:PAYO)

Payoneer Global (NASDAQ:PAYO) and NCR Atleos (NYSE:NATL) are both mid-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, dividends, institutional ownership, earnings, analyst recommendations, valuation and risk.

Volatility and Risk

Payoneer Global has a beta of 0.88, indicating that its share price is 12% less volatile than the S&P 500. Comparatively, NCR Atleos has a beta of 0.57, indicating that its share price is 43% less volatile than the S&P 500.

Earnings and Valuation

This table compares Payoneer Global and NCR Atleos”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Payoneer Global	$1.05 billion	2.30	$73.19 million	$0.14	51.07
NCR Atleos	$4.35 billion	0.77	$162.00 million	$2.58	17.60

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

Analyst Recommendations

This is a breakdown of current ratings and price targets for Payoneer Global and NCR Atleos, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Payoneer Global	0	8	1	0	2.11
NCR Atleos	0	4	1	0	2.20

Payoneer Global currently has a consensus price target of $7.40, suggesting a potential upside of 3.50%. NCR Atleos has a consensus price target of $50.27, suggesting a potential upside of 10.67%. Given NCR Atleos’ stronger consensus rating and higher possible upside, analysts plainly believe NCR Atleos is more favorable than Payoneer Global.

Insider & Institutional Ownership

82.2% of Payoneer Global shares are held by institutional investors. Comparatively, 88.7% of NCR Atleos shares are held by institutional investors. 2.1% of Payoneer Global shares are held by insiders. Comparatively, 0.6% of NCR Atleos shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Profitability

This table compares Payoneer Global and NCR Atleos’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Payoneer Global	4.65%	9.97%	0.80%
NCR Atleos	4.44%	83.41%	5.87%

Summary

NCR Atleos beats Payoneer Global on 8 of the 13 factors compared between the two stocks.

About Payoneer Global

Payoneer Global Inc. operates as a financial technology company. It operates a payment infrastructure platform that provides customers with a one-stop, global, multi-currency account to serve their accounts receivable and accounts payable needs. The company delivers a suite of services that includes cross-border payments, physical and virtual MasterCard cards, working capital, risk management, and other services. It also offers various payment options with minimal integration required, full back-office functions, and customer support offered. The company's platform delivers bank-grade security, stability, and redundancy. It serves customers, such as small and medium-sized businesses in approximately 190 countries and territories worldwide. Payoneer Global Inc. was founded in 2005 and is headquartered in New York, New York.

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.