← Back to Stock Screener← Stock Screener

ZYBERNO

Stock Report

Updated Aug 30, 2026

Diebold Nixdorf, Incorporated (DBD)

Technology • NYSE

$67.35

Diebold Nixdorf Incorporated is an American financial technology company headquartered in North Canton, Ohio, that provides banking hardware and software. The company manufactures ATMs, cash recyclers, and self-service kiosks, and provides software and services for retail banking and retail checkout through its DN Series ATMs and Vynamic software platform.

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

23.0/100

POOR BUSINESS

Diebold Nixdorf, Incorporated (DBD) scores 23/100 — concerning metrics indicating significant structural or financial risks.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full DBD quality analysis & detailed breakdown

VALUATION SIGNAL

MARGIN OF SAFETY

Is this stock cheap or expensive relative to what the business has historically generated for owners?

Margin of Safety unavailable — insufficient data for the owner-earnings DCF.

BRINA GAP ↗

Is the market underestimating or overestimating what this business is capable of going forward?

-16.5%

Market Overestimates

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full DBD valuation analysis · → View full DBD Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):AVERAGE (10.5%)

Debt-to-Equity (Solvency Risk):POOR (1.03x)

Operating Margin (Operational Efficiency):POOR (6.4%)

Return on Capital (Capital Efficiency):POOR (6.6%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

Diebold Nixdorf, Incorporated (DBD) stock report — Zyberno Score 23/100 (POOR BUSINESS). Full financial analysis on Zyberno.

According to Zyberno's DCF model, Diebold Nixdorf, Incorporated (DBD) shows a Brina Gap of -16.5%, which weakens the case: based on the company's ROIC (6.6%) and reinvestment rate (-83.6%), the business can fundamentally grow at -5.5% — but the current enterprise value implies the market expects 10.9%.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:67.35

Market Cap:$2.32B

Valuation Multiples (4)

P/E Ratio:

22.38x

📊 Click to view full DBD P/E analysis →

P/B Ratio:2.37x

P/S Ratio:0.60x

Peg Ratio:-999.00x

Enterprise Metrics (2)

Enterprise Value:$3.20B

Ev Ebitda Ratio:9.25x

Price Action & Momentum (3)

12-1 Momentum:

+60.0% (83th pctile)

📈 Click to view full DBD Momentum analysis →

Momentum Percentile:83 / 100

% of 52-Week High:73.1%

B. Profitability Assessment

Return Metrics (7)

ROE:

10.5%

📊 Click to view full DBD ROE analysis →

ROA:2.9%

Roic:

6.6%

📊 Click to view full DBD ROIC analysis →

Reinvestment Rate:-83.6%

Fundamental Growth Rate (g):-5.5%

Market-Implied Growth Rate:10.9%

Brina Gap:

-16.5%

☷ Click to view full DBD Brina Gap analysis →

Margin Analysis (3)

Operating Margin Ttm:6.4%

Net Margin Ttm:2.9%

Ebitda Margin:8.9%

TTM Performance (3)

Gross Margin Ttm:25.2%

Operating Margin Ttm:6.4%

Net Margin Ttm:2.9%

Yield Metrics (2)

Earnings Yield:$4.47

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):

-0.44

📊 Click to view full DBD Earnings Surprise analysis →

EPS Surprise vs Expected:-40.8%

Latest Earnings Filed:2026-07-29

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):1.9%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):-50.0%

Cash Flow Growth (Linear) (1)

Operating Cash Flow Growth Rate (Linear):-36.1%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):18.0%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:1.27x

Quick Ratio:0.83x

Cash Ratio:0.27x

Leverage Analysis (3)

Debt To Equity Ttm:1.03x

Debt-to-Equity Ratio:1.03x

Debt To Ebitda:3.59x

Coverage Ratios (2)

Interest Coverage Ratio:2.69x

Times Interest Earned:2.69

Capital Structure (4)

Working Capital:361,000,000.00

Cash And Cash Equivalents:358,600,000.00

Long Term Debt:$942.90M

Net Debt:$882.00M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $3.87B

Linear Growth: 1.9%

📊 Click to view full DBD Revenue analysis & methodology →

Cost Of Revenue Ttm:$2.89B

Profitability Breakdown (2)

Gross profit TTM: $977.50M

Linear Growth: 4.3%

📊 Click to view full DBD Gross Profit analysis & methodology →

Operating income TTM: $246.30M

Linear Growth: 18.0%

📊 Click to view full DBD Operating Income analysis & methodology →

Bottom Line Performance (3)

Net income TTM: $111.20M

Linear Growth: -50.0%

📊 Click to view full DBD Net Income analysis & methodology →

Income Before Tax:$164.00M

Ebitda Ttm:346,000,000.00

Operating Expenses (5)

Operating Expenses:731,200,000.00

R And D Expense:84,200,000.00

Sga Expense:646,000,000.00

Income Tax Expense:$46.40M

Interest Expense:89,800,000.00

Expense Ratios (3)

R And D To Revenue Percentage:9.0%

Sga To Revenue Percentage:69.4%

Ebitda Margin:8.9%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$3.74B

Current Assets:$1.71B

Ppe Net:228,900,000.00

Goodwill:627,800,000.00

Intangible Assets:$743.20M

Liability Structure (4)

Total Liabilities:2,760,100,000.00

Current Liabilities:1,350,800,000.00

Long Term Debt:$942.90M

Short Term Debt:$297.70M

Equity & Capital (3)

Equity:$976.50M

Retained Earnings:$112.40M

Common Stock:45,000,000.00

Working Capital Items (3)

Accounts Receivable:573,400,000.00

Inventory:595,900,000.00

Accounts Payable:506,200,000.00

Special Items (2)

Contract Liabilities:300,300,000.00

Stock Based Compensation:3,200,000.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: $316.70M

Linear Growth: -36.1%

$0.00

Investment Activities (1)

Investing Cash Flow:$20.20M

Financing Activities (3)

Financing Cash Flow:-$62.20M

Dividends Paid Ttm:0.00

Stock Repurchase:60,400,000.00

Capital Transactions (3)

Common Stock Issuance:0.00

Long Term Debt Issuance:$950.40M

Long Term Debt Repayments:$1.25B

Non-Cash Items (1)

Depreciation Amortization Ttm:99,700,000.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):3.05

Eps diluted TTM: $3.01

Linear Growth: 22.3%

📊 Click to view full DBD EPS analysis & methodology →

Earnings Per Share Ttm:$3.23

Revenue & Cash Per Share (2)

Sales Per Share Ttm:112.56

Operating Cash Flow Per Share:$8.74

Book Value & Capital (2)

Book Value Per Share:$28.39

Cash Per Share:10.42

Dividend Policy (1)

Dividend Payout Ratio:0.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:1.02x

Working Capital Turnover Ttm:10.73x

Receivables Management (2)

Receivables Turnover Ttm:6.75x

Days Sales Outstanding Ttm:54.05

Inventory Management (2)

Inventory Turnover Ttm:4.86x

Days Inventory Outstanding Ttm:75.14

Payables & Cash Cycle (2)

Days Payable Outstanding:63.83

Cash Conversion Cycle:65.36

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:40.00

Quality Score:75.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Damodaran Growth Analysis (4)

Reinvestment Rate:-83.6%

Fundamental Growth Rate (g):-5.5%

Market-Implied Growth Rate:10.9%

Brina Gap:

-16.5%

☷ Click to view full DBD Brina Gap analysis →

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (3)

Revenue Growth Rate (Linear):1.9%

Net Income Growth Rate (Linear):-50.0%

Operating Income Growth Rate (Linear):18.0%

Cash Flow Growth Rates (1)

Operating Cash Flow Growth Rate (Linear):-36.1%

Other Growth Rates (2)

Gross Profit Growth Rate (Linear):4.3%

Book Value Growth Rate (Linear):0.9%

C. Company Profile & Context

Corporate Information (6)

Symbol:DBD

Company Name:Diebold Nixdorf, Incorporated

Sector:Technology

Industry:Computer Hardware

Exchange:NYSE

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:high

Volume Category:N/A

Share Structure (3)

Shares Outstanding:34.40M

Shares Outstanding Basic:34.40M

Shares Outstanding Diluted:35.30M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-08-30 22:28:21 UTC

Data Timestamp:2026-08-30T22:28:21.102302