Affirm vs NCR Atleos
NCR Atleos reported revenue of $4.4 billion in fiscal 2025, about the same as Affirm's $4.3 billion in fiscal 2026. Affirm's revenue grew 32.1% in its latest year, and NCR Atleos' grew 1.1%. Affirm had an operating margin of 9.8%, against 11.0% at NCR Atleos. Free cash flow was $993 million at Affirm and $239 million at NCR Atleos. Their fiscal years end in different months (June 30 and December 31), so the periods don't line up exactly.
Side by side
| Affirm | NCR Atleos | |
|---|---|---|
| Latest fiscal year | FY2026, Jun 30, 2026 | FY2025, Dec 31, 2025 |
| Revenue | $4.3B | $4.4B |
| Revenue growth | 32.1% | 1.1% |
| Revenue growth a year, last 5 years | 37.4% | — |
| Gross margin | — | — |
| Operating margin | 9.8% | 11.0% |
| Net margin | 45.3% | 3.7% |
| Free cash flow | $993M | $239M |
| Free cash flow margin | 23.3% | 5.5% |
| Return on capital | — | 15.5% |
| Net debt to EBITDA | — | 3.0x |
| Dividends and buybacks | $0M | $28M |
| Change in diluted share count | 2.3% | 1.9% |
| Last close | $68.11 | $47.18 |
| P/E at the last close | 11.8× | 13.4× |
| Insider trades, last 12 months | sold $89.4 million | sold $307,686 |
| Piotroski F-score | — | 6 of 8 |
Amounts in each company's own currency, US$ unless marked (a foreign company may report in another), each company's latest fiscal year from its 10-K, or 20-F or 40-F for a foreign company. Growth rates compare with the year before; the five-year rate is the average a year. Free cash flow is cash from operations minus capital spending; return on capital is after-tax operating income over the money invested in the business; P/E is the last close over the latest earnings per share. Banks are measured differently (return on equity, efficiency ratio), so some rows apply to one company only.
Ten years
Revenue
US$ billions, fiscal years
AffirmNCR Atleos
Operating margin
Percent of revenue
AffirmNCR Atleos
Free cash flow
US$ billions. Cash from operations minus capital expenditure.
AffirmNCR Atleos
Source: the companies' Form 10-K filings, from SEC EDGAR, and the last close. For information only, not investment advice: the figures describe results, not which company is the better investment. The Filing Desk is not affiliated with either company. Full figures on the Affirm and NCR Atleos pages.