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ZYBERNO

Stock Report

Updated Aug 23, 2026

NCR VOYIX CORPORATION (NCRRP)

Technology • OTC

$1.00K

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

15.0/100

POOR BUSINESS

NCR VOYIX CORPORATION (NCRRP) scores 15/100 — 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 NCRRP 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?

-34.7%

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 NCRRP valuation analysis · → View full NCRRP 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):POOR (8.3%)

Debt-to-Equity (Solvency Risk):AVERAGE (0.71x)

Operating Margin (Operational Efficiency):CRITICAL (1.1%)

Return on Capital (Capital Efficiency):CRITICAL (1.0%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

NCR VOYIX CORPORATION (NCRRP) stock report — Zyberno Score 15/100 (POOR BUSINESS). Full financial analysis on Zyberno.

According to Zyberno's DCF model, NCR VOYIX CORPORATION (NCRRP) shows a Brina Gap of -34.7%, which weakens the case: based on the company's ROIC (1.0%) and reinvestment rate (-345.7%), the business can fundamentally grow at -3.3% — but the current enterprise value implies the market expects 31.4%.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:1,002.00

Market Cap:$1.12B

Valuation Multiples (4)

P/E Ratio:

2,443.90x

📊 Click to view full NCRRP P/E analysis →

P/B Ratio:1.21x

P/S Ratio:0.44x

Peg Ratio:-999.00x

Enterprise Metrics (2)

Enterprise Value:$2.32B

Ev Ebitda Ratio:18.02x

B. Profitability Assessment

Return Metrics (7)

ROE:

8.3%

📊 Click to view full NCRRP ROE analysis →

ROA:1.9%

Roic:

1.0%

📊 Click to view full NCRRP ROIC analysis →

Reinvestment Rate:-345.7%

Fundamental Growth Rate (g):-3.3%

Market-Implied Growth Rate:31.4%

Brina Gap:

-34.7%

☷ Click to view full NCRRP Brina Gap analysis →

Margin Analysis (3)

Operating Margin Ttm:1.1%

Net Margin Ttm:3.0%

Ebitda Margin:5.1%

TTM Performance (2)

Operating Margin Ttm:1.1%

Net Margin Ttm:3.0%

Yield Metrics (2)

Earnings Yield:$0.04

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):

+0.05

📊 Click to view full NCRRP Earnings Surprise analysis →

EPS Surprise vs Expected:93.5%

Latest Earnings Filed:2026-08-05

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):-32.0%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):-16.6%

Cash Flow Growth (Linear) (1)

Operating Cash Flow Growth Rate (Linear):-5.6%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):-50.0%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:1.07x

Quick Ratio:0.95x

Cash Ratio:0.23x

Leverage Analysis (3)

Debt To Equity Ttm:0.71x

Debt-to-Equity Ratio:0.71x

Debt To Ebitda:11.16x

Coverage Ratios (2)

Interest Coverage Ratio:0.43x

Times Interest Earned:0.43

Capital Structure (4)

Working Capital:75,000,000.00

Cash And Cash Equivalents:237,000,000.00

Long Term Debt:$1.10B

Net Debt:$1.20B

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $2.53B

Linear Growth: -32.0%

📊 Click to view full NCRRP Revenue analysis & methodology →

Cost Of Revenue Ttm:$0.00

Profitability Breakdown (2)

Gross profit TTM: $4.76B

Linear Growth: -9.5%

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

Operating income TTM: $27.00M

Linear Growth: -50.0%

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

Bottom Line Performance (3)

Net income TTM: $76.00M

Linear Growth: -16.6%

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

Income Before Tax:-$74.00M

Ebitda Ttm:129,000,000.00

Operating Expenses (5)

Operating Expenses:2,506,000,000.00

R And D Expense:152,000,000.00

Sga Expense:453,000,000.00

Income Tax Expense:-$102.00M

Interest Expense:61,000,000.00

Expense Ratios (3)

R And D To Revenue Percentage:29.1%

Sga To Revenue Percentage:86.6%

Ebitda Margin:5.1%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$3.85B

Current Assets:$1.12B

Ppe Net:169,000,000.00

Goodwill:1,519,000,000.00

Intangible Assets:$70.00M

Liability Structure (4)

Total Liabilities:2,719,000,000.00

Current Liabilities:1,043,000,000.00

Long Term Debt:$1.10B

Short Term Debt:$339.00M

Equity & Capital (3)

Equity:$926.00M

Retained Earnings:$550.00M

Common Stock:500,000,000.00

Working Capital Items (3)

Accounts Receivable:452,000,000.00

Inventory:128,000,000.00

Accounts Payable:411,000,000.00

Special Items (2)

Contract Liabilities:184,000,000.00

Stock Based Compensation:11,000,000.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: -$126.00M

Linear Growth: -5.6%

-$375.00M

Investment Activities (1)

Investing Cash Flow:-$21.00M

Financing Activities (3)

Financing Cash Flow:-$18.00M

Dividends Paid Ttm:0.00

Stock Repurchase:9,000,000.00

Capital Transactions (3)

Common Stock Issuance:0.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:102,000,000.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):0.41

Eps diluted TTM: $0.41

Linear Growth: 93.0%

📊 Click to view full NCRRP EPS analysis & methodology →

Earnings Per Share Ttm:$67.89

Revenue & Cash Per Share (2)

Sales Per Share Ttm:2,262.59

Operating Cash Flow Per Share:-$187.58

Book Value & Capital (2)

Book Value Per Share:$827.15

Cash Per Share:211.70

Dividend Policy (1)

Dividend Payout Ratio:0.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.65x

Working Capital Turnover Ttm:33.77x

Receivables Management (2)

Receivables Turnover Ttm:5.60x

Days Sales Outstanding Ttm:65.13

Inventory Management (2)

Inventory Turnover Ttm:19.79x

Days Inventory Outstanding Ttm:18.44

Payables & Cash Cycle (2)

Days Payable Outstanding:59.22

Cash Conversion Cycle:24.35

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:40.00

Quality Score:50.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Damodaran Growth Analysis (4)

Reinvestment Rate:-345.7%

Fundamental Growth Rate (g):-3.3%

Market-Implied Growth Rate:31.4%

Brina Gap:

-34.7%

☷ Click to view full NCRRP Brina Gap analysis →

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (3)

Revenue Growth Rate (Linear):-32.0%

Net Income Growth Rate (Linear):-16.6%

Operating Income Growth Rate (Linear):-50.0%

Cash Flow Growth Rates (1)

Operating Cash Flow Growth Rate (Linear):-5.6%

Other Growth Rates (2)

Gross Profit Growth Rate (Linear):-9.5%

Book Value Growth Rate (Linear):-4.9%

C. Company Profile & Context

Corporate Information (6)

Symbol:NCRRP

Company Name:NCR VOYIX CORPORATION

Sector:Technology

Industry:Computer Hardware

Exchange:OTC

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:premium

Volume Category:N/A

Share Structure (3)

Shares Outstanding:1.12M

Shares Outstanding Basic:137.80M

Shares Outstanding Diluted:137.80M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-08-23 19:33:11 UTC

Data Timestamp:2026-08-23T19:33:11.162354