NCR Voyix (VYX) AI Stock Analysis

• Market Cap: $1.75B
• Dividend Yield: N/A
• Average Volume (3M): 1.85M
• Price to Earnings (P/E): ―
• Beta (1Y): 1.31
• Revenue Growth: -43.28%
• EPS Growth: 15.29%
• Country: US
• Employees: 14,000
• Sector: Technology
• Sector Strength: 94
• Industry: Information Technology Services
• EPS (TTM): 0.19
• Shares Outstanding: 138,234,330
• 10 Day Avg. Volume: 2,171,810
• 30 Day Avg. Volume: 1,848,414
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.67
• Enterprise Value/Revenue: 1.09
• Enterprise Value/Gross Profit: 4.78
• Enterprise Value/Ebitda: 10.77
• 1Y Price Target: $21.50
• Price Target Upside: 72.00% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 7

• Rating: 45 Neutral
• Price Target: $12.50 ▲(0.00% Upside)

NCR Voyix's overall stock score reflects significant financial challenges, particularly in revenue decline and cash flow issues, which are the most impactful factors. Technical analysis shows mixed signals, with short-term bearish momentum but longer-term bullish trends. Valuation concerns further weigh down the score, with a negative P/E ratio and no dividend yield. Despite positive strategic developments highlighted in the earnings call, these are not enough to offset the financial and valuation challenges.

Positive Factors

Earnings Performance

VYX posted quarterly results which came in better than expected.

SaaS Growth

SaaS ARR grew 6.8% year-over-year and platform sites jumped 16% as VYX continues to sign and convert customers to its SaaS offering.

Negative Factors

Hardware Sales

Hardware revenue continues to decline quite significantly, but these declines are expected.

Revenue Decline

Revenue declined approximately 13% year-over-year, impacted by soft hardware sales and the exit of a one-time $20 million software and services benefit.

NCR Voyix Business Overview & Revenue Model

Company Description

NCR Voyix (VYX) is a technology company specializing in advanced payment solutions and digital commerce services. Operating primarily in the financial technology sector, NCR Voyix offers a suite of products designed to enhance customer interactions, streamline transaction processes, and optimize point-of-sale experiences across various industries including retail, hospitality, and banking. Their core services include payment processing, mobile wallet integrations, and data analytics solutions that empower businesses to improve operational efficiency and customer satisfaction.

How the Company Makes Money

NCR Voyix generates revenue through multiple streams, primarily by providing payment processing services to businesses, which includes transaction fees for each payment processed. Additionally, they offer subscription-based models for their software solutions, allowing businesses to access advanced analytics and customer engagement tools. Revenue is further supplemented through strategic partnerships with financial institutions and technology providers, facilitating integrated solutions that enhance the overall value proposition. Furthermore, NCR Voyix benefits from service contracts and ongoing maintenance agreements, ensuring a steady income flow from existing clients.

NCR Voyix Financial Statement Overview

Summary

VYX's financial performance is concerning due to volatile revenue, operational inefficiencies, and high leverage. Despite a strong ROE, cash flow issues and low equity ratios suggest financial instability.

Income Statement

VYX's revenue growth has been volatile, with a noticeable decline from $7.84 billion in 2022 to $2.89 billion TTM. The gross profit margin is moderate at 22.6% TTM, and the net profit margin is unusually high at 34.0% due to a one-time gain or accounting change. EBIT and EBITDA margins are weak at 1.5% and 9.9%, respectively, indicating operational inefficiencies.

Balance Sheet

The balance sheet reveals a high debt burden with a debt-to-equity ratio of 1.56 TTM, indicating potential leverage risks. The equity ratio is concerning at 19.8%, reflecting low equity compared to total assets. ROE is strong at 114.5% TTM, but this is skewed by the high net income in TTM, which may not be sustainable.

Cash Flow

Cash flow analysis shows negative operating cash flow of -$139 million TTM, suggesting cash management issues. The free cash flow to net income ratio is negative, indicating poor conversion of income to cash. The operating cash flow to net income ratio is also negative, highlighting liquidity challenges.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.68B	2.83B	3.83B	3.17B	3.69B	6.21B
Gross Profit	611.00M	579.00M	962.00M	919.00M	957.00M	1.52B
EBITDA	271.00M	232.00M	530.00M	783.00M	1.07B	528.00M
Net Income	977.00M	958.00M	-423.00M	60.00M	97.00M	-79.00M
Balance Sheet
Total Assets	3.98B	4.45B	4.99B	11.51B	11.64B	8.41B
Cash, Cash Equivalents and Short-Term Investments	276.00M	724.00M	262.00M	221.00M	447.00M	338.00M
Total Debt	1.34B	1.35B	2.89B	6.02B	6.08B	3.73B
Total Liabilities	2.84B	3.25B	4.69B	9.75B	10.11B	7.09B
Stockholders Equity	1.14B	1.21B	301.00M	1.75B	1.53B	1.32B
Cash Flow
Free Cash Flow	-565.00M	-349.00M	317.00M	70.00M	729.00M	378.00M
Operating Cash Flow	-443.00M	-132.00M	694.00M	447.00M	1.08B	641.00M
Investing Cash Flow	2.19B	2.19B	-290.00M	-387.00M	-2.83B	-277.00M
Financing Cash Flow	-1.66B	-1.56B	-839.00M	1.00M	2.18B	-514.00M

NCR Voyix Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 12.50
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For VYX, the sentiment is Neutral. The current price of 12.5 is below the 20-day moving average (MA) of 13.37, below the 50-day MA of 12.81, and above the 200-day MA of 12.04, indicating a neutral trend. The MACD of -0.17 indicates Positive momentum. The RSI at 41.14 is Neutral, neither overbought nor oversold. The STOCH value of 45.89 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for VYX.

NCR Voyix Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FORTY	76 Outperform	$1.87B	23.01	12.47%	1.60%	6.22%	24.91%
FLYW	71 Outperform	$1.49B	295.62	0.86%	―	22.20%	―
TASK	70 Outperform	$1.55B	25.63	12.49%	―	19.04%	24.49%
Sector *	61 Neutral	$36.30B	7.26	-7.27%	1.97%	7.74%	-7.92%
NABL	61 Neutral	$1.43B	499.35	0.37%	―	7.40%	-90.72%
PSFE	58 Neutral	$818.80M	39.11	-5.88%	―	0.47%	-292.02%
VYX	45 Neutral	$1.75B	―	-8.85%	―	-43.28%	15.29%

NCR Voyix Corporate Events

NCR Voyix Reports Q2 2025 Financial Results

On August 7, 2025, NCR Voyix reported its financial results for the second quarter of 2025, ending June 30. The company saw a decrease in revenue to $666 million from $722 million in the previous year, but net income improved to $1 million from a $90 million loss. Adjusted EBITDA increased to $95 million, and the company maintained its full-year 2025 outlook. NCR Voyix continues to focus on strategic initiatives, including product innovation and expanding payment capabilities, which are expected to drive value for customers and shareholders.

The most recent analyst rating on (VYX) stock is a Buy with a $16.00 price target. To see the full list of analyst forecasts on NCR Voyix stock, see the VYX Stock Forecast page.

NCR Voyix Holds Annual Stockholders Meeting

On June 6, 2025, NCR Voyix Corporation held its Annual Meeting of Stockholders where key decisions were made regarding the company’s governance and financial oversight. During the meeting, nine directors were elected, executive compensation was approved on a non-binding advisory basis, and PricewaterhouseCoopers LLP was ratified as the independent registered public accounting firm for the year ending December 31, 2025. These decisions reflect the company’s commitment to maintaining strong leadership and financial integrity, potentially impacting its operational strategies and stakeholder confidence.

The most recent analyst rating on (VYX) stock is a Buy with a $16.00 price target. To see the full list of analyst forecasts on NCR Voyix stock, see the VYX Stock Forecast page.