NCR Voyix (VYX) AI Stock Analysis

• Market Cap: $1.58B
• Dividend Yield: N/A
• Average Volume (3M): 1.15M
• Price to Earnings (P/E): ―
• Beta (1Y): 1.34
• Revenue Growth: -22.36%
• EPS Growth: 94.85%
• Country: US
• Employees: 14,000
• Sector: Technology
• Sector Strength: 88
• Industry: Information Technology Services
• EPS (TTM): 0.31
• Shares Outstanding: 138,234,330
• 10 Day Avg. Volume: 1,320,517
• 30 Day Avg. Volume: 1,148,670
• PEG Ratio: 0.07
• Price to Book (P/B): 1.66
• Price to Sales (P/S): 0.71
• P/FCF Ratio: -5.74
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: $16.17
• Price Target Upside: 48.21% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 6
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 49 Neutral
• Price Target: $11.50 ▲(5.41% Upside)

NCR Voyix's overall stock score reflects significant financial challenges, including declining revenues and cash flow issues, which are the most impactful factors. Technical analysis also indicates bearish trends, further weighing on the score. While the earnings call highlighted strategic initiatives and partnerships, these positives are overshadowed by the broader financial and operational difficulties.

Positive Factors

Strategic Shift to Software

The shift to a software-led business model can enhance margins and recurring revenue, providing a more stable and scalable growth path.

Partnership with Chipotle

The exclusive agreement with Chipotle strengthens market position and demonstrates trust in NCR Voyix's technology, potentially leading to further partnerships.

Recurring Revenue Growth

Growth in recurring revenue indicates a successful transition to a more predictable revenue model, enhancing financial stability and investor confidence.

Negative Factors

Declining Total Revenue

A decline in total revenue suggests challenges in maintaining sales momentum, which could impact long-term growth and profitability.

Cash Flow Challenges

Negative cash flow highlights liquidity issues, potentially limiting the company's ability to invest in growth and manage debt obligations effectively.

Operational Inefficiencies

Low EBIT margin indicates inefficiencies that could hinder profitability improvements, necessitating operational restructuring for better cost management.

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

NCR Voyix faces a challenging financial landscape with declining revenues and operational inefficiencies impacting profitability. While leverage has improved, cash flow issues persist, highlighting the need for strategic interventions to stabilize operations and enhance liquidity. The company must focus on sustainable revenue growth and operational efficiency to improve its financial health.

Income Statement

NCR Voyix's income statement reveals a challenging environment with declining revenue and profitability. The TTM data shows a negative revenue growth rate of -7.28%, indicating a contraction in sales. Despite a gross profit margin of 22.83%, the net profit margin is notably high at 36.51% due to a significant net income figure, which may be influenced by non-operational factors. The EBIT margin is low at 0.86%, reflecting operational inefficiencies. Overall, the income statement suggests a need for strategic improvements to stabilize revenue and enhance operational efficiency.

Balance Sheet

The balance sheet of NCR Voyix shows a mixed picture. The debt-to-equity ratio has improved to 1.17 in the TTM period, indicating better leverage management compared to previous years. However, the return on equity is exceptionally high at 86.88%, likely due to the high net income, which may not be sustainable. The equity ratio stands at 28.69%, suggesting a moderate reliance on equity financing. While leverage has improved, the company needs to focus on maintaining sustainable profitability.

Cash Flow

The cash flow statement highlights significant challenges for NCR Voyix. The operating cash flow is negative, and the free cash flow has deteriorated, with a growth rate of 99.65% indicating a worsening cash position. The operating cash flow to net income ratio is negative, suggesting cash flow issues despite reported profits. The free cash flow to net income ratio is positive at 1.28, indicating some ability to generate cash relative to net income. Overall, the cash flow situation requires urgent attention to improve liquidity and operational cash generation.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.67B	2.83B	3.83B	3.17B	3.69B	6.21B
Gross Profit	612.00M	579.00M	962.00M	919.00M	957.00M	1.52B
EBITDA	200.00M	232.00M	530.00M	783.00M	1.07B	528.00M
Net Income	1.05B	958.00M	-423.00M	60.00M	97.00M	-79.00M
Balance Sheet
Total Assets	4.00B	4.45B	4.99B	11.51B	11.64B	8.41B
Cash, Cash Equivalents and Short-Term Investments	282.00M	724.00M	262.00M	221.00M	447.00M	338.00M
Total Debt	1.33B	1.61B	2.89B	6.02B	6.08B	3.73B
Total Liabilities	2.88B	3.25B	4.69B	9.75B	10.11B	7.09B
Stockholders Equity	848.00M	1.21B	301.00M	1.75B	1.53B	1.32B
Cash Flow
Free Cash Flow	-599.00M	-349.00M	317.00M	70.00M	729.00M	378.00M
Operating Cash Flow	-440.00M	-132.00M	694.00M	447.00M	1.08B	641.00M
Investing Cash Flow	58.00M	2.19B	-290.00M	-387.00M	-2.83B	-277.00M
Financing Cash Flow	-150.00M	-1.56B	-839.00M	1.00M	2.18B	-514.00M

NCR Voyix Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 10.91
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Negative. The current price of 10.91 is below the 20-day moving average (MA) of 11.44, below the 50-day MA of 12.19, and below the 200-day MA of 11.58, indicating a bearish trend. The MACD of -0.32 indicates Positive momentum. The RSI at 38.00 is Neutral, neither overbought nor oversold. The STOCH value of 34.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for VYX.

NCR Voyix Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
INOD	70 Outperform	$1.94B	52.30	73.80%	―	112.54%	1256.46%
FLYW	69 Neutral	$1.66B	―	-0.29%	―	22.71%	-111.24%
NABL	66 Neutral	$1.46B	555.56	-0.83%	―	8.65%	-117.14%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
TASK	59 Neutral	$1.14B	18.51	12.49%	―	19.04%	24.49%
VYX	49 Neutral	$1.58B	―	-3.73%	―	-22.36%	94.85%
BBAI	44 Neutral	$2.68B	―	-222.48%	―	3.46%	-74.21%

NCR Voyix Corporate Events

NCR Voyix Reports Q3 2025 Financial Results

On November 6, 2025, NCR Voyix reported its financial results for the third quarter of 2025, showing a revenue of $684 million, a decrease from the previous year, but an improved net loss of $17 million compared to $29 million previously. The company also reported an adjusted EBITDA of $125 million, up from $95 million, and a non-GAAP diluted EPS of $0.31. The company announced partnerships with WEX and Corpay in October 2025 to enhance its payment acceptance capabilities, aiming to expand its cloud-native point-of-sale and fuel solutions in 2026. NCR Voyix remains focused on accelerating growth and solidifying its leadership in unified commerce as it looks towards 2026.

The most recent analyst rating on (VYX) stock is a Hold with a $11.50 price target. To see the full list of analyst forecasts on NCR Voyix stock, see the VYX Stock Forecast page.

NCR Voyix Appoints New Chief Accounting Officer

On September 3, 2025, Anthony Radesca resigned as Chief Accounting Officer of NCR Voyix Corporation to pursue another opportunity, with no disagreements related to the company’s operations. Subsequently, on September 7, 2025, the board appointed James Wise as the new Senior Vice President & Chief Accounting Officer, effective September 12, 2025. Wise, who has been with the company since 2021, will receive a comprehensive compensation package, including a base salary of $320,000 and participation in the company’s incentive plans.

The most recent analyst rating on (VYX) stock is a Buy with a $17.00 price target. To see the full list of analyst forecasts on NCR Voyix stock, see the VYX Stock Forecast page.

NCR Voyix Reports Improved Q2 2025 Earnings

NCR Voyix Corporation is a global leader in digital commerce solutions, primarily serving the retail and restaurant sectors with a focus on platform-led SaaS and service capabilities. Headquartered in Atlanta, Georgia, the company operates in over 30 countries worldwide.

NCR Voyix Earnings Call: Growth Amid Challenges

The recent earnings call of NCR Voyix Corporation presented a balanced view of the company’s current performance and future prospects. The sentiment was cautiously optimistic, highlighting strong growth in the Voyix Commerce Platform and strategic partnerships, while acknowledging challenges in hardware sales and tariff-related costs. The company’s strategic investments and expansion of service offerings suggest a promising outlook for future growth.

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.