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Cardtronics

Nasdaq:CATM
Snowflake Description

Fair value with questionable track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
CATM
Nasdaq
$734M
Market Cap
  1. Home
  2. US
  3. Software
Company description

Cardtronics plc provides automated consumer financial services through its network of automated teller machines (ATMs) and multi-function financial services kiosks. The last earnings update was 32 days ago. More info.


Add to Portfolio Compare Print
  • Cardtronics has significant price volatility in the past 3 months.
CATM Share Price and Events
7 Day Returns
-26.1%
NasdaqGS:CATM
-6.6%
US IT
-4.1%
US Market
1 Year Returns
-53.9%
NasdaqGS:CATM
-8.2%
US IT
-14.9%
US Market
CATM Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Cardtronics (CATM) -26.1% -52% -62% -53.9% -62.9% -57.4%
US IT -6.6% -20.2% -20.9% -8.2% 46.6% 62.7%
US Market -4.1% -19.1% -23.4% -14.9% 3.5% 14.5%
1 Year Return vs Industry and Market
  • CATM underperformed the IT industry which returned -8.2% over the past year.
  • CATM underperformed the Market in United States of America which returned -14.9% over the past year.
Price Volatility
CATM
Industry
5yr Volatility vs Market

Value

 Is Cardtronics undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Cardtronics to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Cardtronics.

NasdaqGS:CATM Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model 2 Stage Free Cash Flow to Equity
Levered Free Cash Flow Average of 6 Analyst Estimates (S&P Global) See below
Discount Rate (Cost of Equity) See below 9.7%
Perpetual Growth Rate 10-Year US Government Bond Rate 1.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqGS:CATM
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 1.7%
Equity Risk Premium S&P Global 5.4%
IT Unlevered Beta Simply Wall St/ S&P Global 0.9
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.897 (1 + (1- 21%) (112.93%))
1.467
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.47
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.74% + (1.467 * 5.44%)
9.72%

Discounted Cash Flow Calculation for NasdaqGS:CATM using 2 Stage Free Cash Flow to Equity Model

The calculations below outline how an intrinsic value for Cardtronics is arrived at by discounting future cash flows to their present value using the 2 stage method. We try to start with analysts estimates of free cash flow, however if these are not available we use the most recent financial results. In the 1st stage we continue to grow the free cash flow over a 10 year period, with the growth rate trending towards the perpetual growth rate used in the 2nd stage. The 2nd stage assumes the company grows at a stable rate into perpetuity.

Note: Free cash flow to equity valuations ignore the company's cash or debt.

NasdaqGS:CATM DCF 1st Stage: Next 10 year cash flow forecast
Levered FCF (USD, Millions) Source Present Value
Discounted (@ 9.72%)
2020 74.70 Analyst x2 68.08
2021 134.63 Analyst x2 111.83
2022 117.01 Est @ -13.09% 88.59
2023 106.90 Est @ -8.64% 73.76
2024 100.99 Est @ -5.53% 63.51
2025 97.61 Est @ -3.35% 55.95
2026 95.84 Est @ -1.82% 50.07
2027 95.12 Est @ -0.75% 45.29
2028 95.11 Est @ -0% 41.27
2029 95.61 Est @ 0.52% 37.81
Present value of next 10 years cash flows $636.00
NasdaqGS:CATM DCF 2nd Stage: Terminal Value
Calculation Result
Terminal Value = FCF2029 × (1 + g) ÷ (Discount Rate – g)
= $95.61 × (1 + 1.74%) ÷ (9.72% – 1.74%)
$1,218.98
Present Value of Terminal Value = Terminal Value ÷ (1 + r)10
= $1,218.98 ÷ (1 + 9.72%)10
$482.12
NasdaqGS:CATM Total Equity Value
Calculation Result
Total Equity Value = Present value of next 10 years cash flows + Terminal Value
= $636.00 + $482.12
$1,118.12
Equity Value per Share
(USD)
= Total value / Shares Outstanding
= $1,118.12 / 44.45
$25.15
NasdaqGS:CATM Discount to Share Price
Calculation Result
Value per share (USD) From above. $25.15
Current discount Discount to share price of $16.52
= -1 x ($16.52 - $25.15) / $25.15
34.3%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Cardtronics is available for.
Intrinsic value
34%
Share price is $16.52 vs Future cash flow value of $25.15
Current Discount Checks
For Cardtronics to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Cardtronics's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Cardtronics's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Cardtronics's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Cardtronics's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGS:CATM PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-12-31) in USD $1.06
NasdaqGS:CATM Share Price ** NasdaqGS (2020-04-02) in USD $16.52
United States of America IT Industry PE Ratio Median Figure of 72 Publicly-Listed IT Companies 24.31x
United States of America Market PE Ratio Median Figure of 2,944 Publicly-Listed Companies 12.5x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Cardtronics.

NasdaqGS:CATM PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGS:CATM Share Price ÷ EPS (both in USD)

= 16.52 ÷ 1.06

15.58x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Cardtronics is good value based on earnings compared to the US IT industry average.
  • Cardtronics is overvalued based on earnings compared to the United States of America market.
Price based on expected Growth
Does Cardtronics's expected growth come at a high price?
Raw Data
NasdaqGS:CATM PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 15.58x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 6 Analysts
-3%per year
United States of America IT Industry PEG Ratio Median Figure of 61 Publicly-Listed IT Companies 1.7x
United States of America Market PEG Ratio Median Figure of 2,008 Publicly-Listed Companies 0.91x

*Line of best fit is calculated by linear regression .

NasdaqGS:CATM PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 15.58x ÷ -3%

-5.13x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Cardtronics earnings are not expected to grow next year, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Cardtronics's assets?
Raw Data
NasdaqGS:CATM PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-12-31) in USD $8.52
NasdaqGS:CATM Share Price * NasdaqGS (2020-04-02) in USD $16.52
United States of America IT Industry PB Ratio Median Figure of 117 Publicly-Listed IT Companies 2.66x
United States of America Market PB Ratio Median Figure of 5,142 Publicly-Listed Companies 1.22x
NasdaqGS:CATM PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGS:CATM Share Price ÷ Book Value per Share (both in USD)

= 16.52 ÷ 8.52

1.94x

* Primary Listing of Cardtronics.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Cardtronics is good value based on assets compared to the US IT industry average.
X
Value checks
We assess Cardtronics's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the IT industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the IT industry average (and greater than 0)? (1 check)
  5. Cardtronics has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Cardtronics expected to perform in the next 1 to 3 years based on estimates from 6 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
-3%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Cardtronics expected to grow at an attractive rate?
  • Cardtronics's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 1.7%.
Growth vs Market Checks
  • Cardtronics's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.
  • Cardtronics's revenue growth is positive but not above the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqGS:CATM Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGS:CATM Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 6 Analysts -3%
NasdaqGS:CATM Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 6 Analysts 3%
United States of America IT Industry Earnings Growth Rate Market Cap Weighted Average 17.1%
United States of America IT Industry Revenue Growth Rate Market Cap Weighted Average 9.9%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 12.2%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.1%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGS:CATM Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 6 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGS:CATM Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2023-12-31
2022-12-31
2021-12-31 1,431 352 47 6
2020-12-31 1,361 331 29 6
2020-04-03
NasdaqGS:CATM Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-12-31 1,349 205 48
2019-09-30 1,338 381 30
2019-06-30 1,327 280 17
2019-03-31 1,327 263 11
2018-12-31 1,345 334 4
2018-09-30 1,380 243 26
2018-06-30 1,442 244 -159
2018-03-31 1,486 257 -147
2017-12-31 1,508 231 -145
2017-09-30 1,454 229 -136
2017-06-30 1,381 242 67
2017-03-31 1,320 248 72

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Cardtronics's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
  • Cardtronics's revenue is expected to grow by 3% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGS:CATM Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 6 Analyst Estimates (S&P Global) See Below

All data from Cardtronics Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:CATM Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2023-12-31
2022-12-31
2021-12-31 1.39 1.69 1.09 2.00
2020-12-31 0.92 1.12 0.72 2.00
2020-04-03
NasdaqGS:CATM Past Financials Data
Date (Data in USD Millions) EPS *
2019-12-31 1.06
2019-09-30 0.64
2019-06-30 0.38
2019-03-31 0.23
2018-12-31 0.08
2018-09-30 0.56
2018-06-30 -3.46
2018-03-31 -3.22
2017-12-31 -3.19
2017-09-30 -3.00
2017-06-30 1.47
2017-03-31 1.58

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Cardtronics is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Cardtronics's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Cardtronics has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Cardtronics performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Cardtronics's growth in the last year to its industry (IT).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Cardtronics's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.
  • Cardtronics's 1-year earnings growth exceeds its 5-year average (1213.2% vs -26.3%)
  • Cardtronics's earnings growth has exceeded the US IT industry average in the past year (1213.2% vs 13.4%).
Earnings and Revenue History
Cardtronics's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Cardtronics Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:CATM Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-12-31 1,349.41 48.27 204.50
2019-09-30 1,338.50 29.55 199.31
2019-06-30 1,327.16 17.47 187.77
2019-03-31 1,327.33 10.76 173.66
2018-12-31 1,345.24 3.68 170.49
2018-09-30 1,380.31 25.73 168.75
2018-06-30 1,442.09 -158.61 172.99
2018-03-31 1,486.21 -147.22 175.53
2017-12-31 1,507.60 -145.35 175.74
2017-09-30 1,454.46 -136.34 169.83
2017-06-30 1,380.84 66.70 163.89
2017-03-31 1,319.69 71.68 158.33
2016-12-31 1,265.36 87.95 153.78
2016-09-30 1,258.85 77.81 155.18
2016-06-30 1,241.86 72.32 150.74
2016-03-31 1,221.65 67.15 147.02
2015-12-31 1,200.30 66.99 140.50
2015-09-30 1,180.87 57.68 134.16
2015-06-30 1,135.37 43.74 126.09
2015-03-31 1,091.65 42.71 119.82
2014-12-31 1,054.82 37.01 113.47
2014-09-30 1,012.89 38.74 105.68
2014-06-30 975.87 22.51 99.07
2014-03-31 923.82 23.46 90.07
2013-12-31 876.49 23.14 84.09
2013-09-30 832.90 26.74 75.15
2013-06-30 803.11 47.39 69.36

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Cardtronics has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Cardtronics used its assets less efficiently than the US IT industry average last year based on Return on Assets.
  • Cardtronics's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Cardtronics's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the IT industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Cardtronics has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Cardtronics's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Cardtronics's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Cardtronics's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
  • Cardtronics's long term commitments exceed its cash and other short term assets.
Balance sheet
This treemap shows a more detailed breakdown of Cardtronics's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • High level of physical assets or inventory.
  • Debt is not covered by short term assets, assets are 0.4x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Cardtronics Company Filings, last reported 3 months ago.

NasdaqGS:CATM Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-12-31 380.33 739.48 31.99
2019-09-30 348.22 752.92 27.97
2019-06-30 361.87 778.55 34.77
2019-03-31 375.83 802.72 38.76
2018-12-31 376.77 818.49 44.43
2018-09-30 411.74 835.79 46.25
2018-06-30 396.97 878.42 44.69
2018-03-31 418.58 915.59 49.89
2017-12-31 390.39 917.72 52.52
2017-09-30 359.17 949.78 61.76
2017-06-30 508.07 973.34 53.18
2017-03-31 459.27 996.17 40.25
2016-12-31 456.94 502.54 73.53
2016-09-30 406.63 485.65 59.52
2016-06-30 370.25 491.28 19.65
2016-03-31 368.23 540.31 25.05
2015-12-31 369.79 568.33 26.30
2015-09-30 342.51 635.97 18.48
2015-06-30 336.33 599.05 24.79
2015-03-31 286.35 611.11 17.20
2014-12-31 286.54 612.70 31.88
2014-09-30 288.51 541.65 140.86
2014-06-30 276.61 474.23 61.36
2014-03-31 256.69 484.53 60.65
2013-12-31 247.11 490.51 86.94
2013-09-30 213.44 457.77 18.56
2013-06-30 204.65 335.59 22.34
  • Cardtronics's level of debt (194.4%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has been reduced over the past 5 years (213.8% vs 194.4% today).
  • Debt is well covered by operating cash flow (27.7%, greater than 20% of total debt).
  • Interest payments on debt are not well covered by earnings (EBIT is 2.7x annual interest expense, ideally 3x coverage).
X
Financial health checks
We assess Cardtronics's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Cardtronics has a total score of 2/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Cardtronics's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Cardtronics dividends.
If you bought $2,000 of Cardtronics shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Cardtronics's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Cardtronics's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGS:CATM Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 6 Analyst Estimates (S&P Global) See Below
United States of America IT Industry Average Dividend Yield Market Cap Weighted Average of 35 Stocks 1.6%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 1941 Stocks 3.1%
United States of America Minimum Threshold Dividend Yield 10th Percentile 1.1%
United States of America Bottom 25% Dividend Yield 25th Percentile 2%
United States of America Top 25% Dividend Yield 75th Percentile 5.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGS:CATM Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2023-12-31
2022-12-31
2021-12-31
2020-12-31
2020-04-03

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Cardtronics has not reported any payouts.
  • Unable to verify if Cardtronics's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Cardtronics's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Cardtronics has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Cardtronics's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Cardtronics afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Cardtronics has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Cardtronics's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Ed West
COMPENSATION $12,059,896
AGE 52
TENURE AS CEO 2.3 years
CEO Bio

Mr. Edward H. West, also known as Ed, has been the Chief Executive Officer and Director at Cardtronics plc since January 1, 2018. He was the Chief Operations Officer of Cardtronics Plc since July 7, 2016 until December 31, 2017. Mr. West was the Chief Financial Officer of Cardtronics plc since February 23, 2016 until January 1, 2018 and served as its Executive Vice President since February 19, 2016. Mr. West is responsible for leading Cardtronics' finance and administrative organization, overseeing accounting and reporting, strategic planning and analysis, treasury, tax, audit, risk management and investor relations. Mr. West joined Cardtronics in January 2016. He served as the Chief Executive Officer of Education Management Corporation from August 15, 2012 to August 28, 2015 and served as its President from August 2012 to August 28, 2015. Mr. West served as Chief Financial Officer and Executive Vice President of Education Management Finance Corp. since June 1, 2006. He served as the President and Chief Financial Officer of Education Management LLC since December 2008 and June 1, 2006 respectively. He served as Chief Executive Officer and Director of PhoneTell, Inc. He served as Principal Financial Officer of Brown Mackie Holding Co., Aih Restaurant, Inc., Edmc Marketing & Advertising, Inc., Aid Restaurant, Inc., Mcm University Plaza, Inc., Edmc Aviation, Inc., Higher Education Services, Inc., Connecting Link, Inc. and Aiim Restaurant, Inc. He served as Chief Financial Officer of Argosy University Family Center, Inc. He served as the Chief Financial Officer of Education Management Corporation from June 1, 2006 to August 15, 2012. Mr. West joined EDMC from ICG Commerce Inc., where he served as Chairman and Chief Executive Officer from May 2002 to 2006. He served as the Chief Executive Officer of Procurian USA, Inc. Mr. West served as the Chief Executive Officer of ICG Commerce Holdings Inc., a subsidiary of ICG Group, Inc. (Now, Actua Corporation) from January 1, 2003 to 2006. Previously, he served as President and Chief Operating Officer of Internet Capital Group Inc. (Now, Actua Corporation) from December 2001 to May 2002 and as its Chief Financial Officer from September 2000 to April 2002. At ICG, Mr. West led a team of operations professionals in supporting the growth of key partner companies as well as drove ICG's financial strategy. He served various management positions at Delta Air Lines, Inc. from June 1994 to August 2000. From September 1999 to August 8, 2000, Mr. West served as Executive Vice President and Chief Financial Officer of Delta Air Lines, Inc. Mr. West was a member of Delta Air Lines' Executive Council and had broad responsibility for all corporate and operating financial functions. He was also Delta's executive sponsor for e-commerce activities. Mr. West served as Executive Vice President of Education Management LLC and its parent company, Education Management Corporation from June 1, 2006 to December 2008. He served as Chairman of Delta Technology Inc. He served as the Chairman of Procurian USA, Inc. since May 2002 and served as its a Director. He serves as a Director of Orbitz, Inc. He served as a Director at Education Management Corporation from October 2012 to August 28, 2015. He served as a Director of Brown Mackie Holding Co., Edmc Marketing & Advertising, Inc., Higher Education Services, Inc., Connecting Link, Inc., Mcm University Plaza, Inc. and Edmc Aviation, Inc. He was a Director of UAGH, Inc., Worldspan Technologies Inc. and Delta Technology, Inc. He served as Director of Entercom Communications Corp. since April 2003. He served as a Director of ICG Commerce, Inc. Mr. West received the “CFO of the Year” award from Institutional Investor Magazine in 2012. Mr. West was recognized in CFO Magazine's "Top 40 Under 40" list as a Chief Financial Officer who makes a difference in the new millennium. Mr. West holds a Bachelor of Science Degree in Business Administration in Finance from Emory University's Goizueta School of Business. Mr. West holds a B.A. from the Goizueta School of Business at Emory University.

CEO Compensation
  • Ed's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Ed's remuneration is higher than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Cardtronics management team in years:

2.5
Average Tenure
51
Average Age
  • The tenure for the Cardtronics management team is about average.
Management Team

Ed West

TITLE
CEO & Director
COMPENSATION
$12M
AGE
52
TENURE
2.3 yrs

Gary Ferrera

TITLE
Chief Financial Officer
COMPENSATION
$3M
AGE
56
TENURE
2.4 yrs

Dan Antilley

TITLE
Executive VP of Operations & Chief Information Security Officer
COMPENSATION
$2M
AGE
51
TENURE
0.1 yrs

Stuart MacKinnon

TITLE
Executive VP of Technology & Chief Information Officer
COMPENSATION
$1M
AGE
47
TENURE
3.2 yrs

Marc Terry

TITLE
Executive VP & MD of International
COMPENSATION
$1M
AGE
57
TENURE
2.6 yrs

Paul Gullo

TITLE
Chief Accounting Officer
AGE
53
TENURE
1.9 yrs

Brad Conrad

TITLE
Executive VP
COMPENSATION
$1M
AGE
46

Aimie Killeen

TITLE
General Counsel & Secretary
AGE
40
TENURE
3.1 yrs

Lisa Albiston

TITLE
Vice President of Public Relations & Communications

Phil Chin

TITLE
EVP Corporate Development & Investor Relations
AGE
44
TENURE
6.8 yrs
Board of Directors Tenure

Average tenure and age of the Cardtronics board of directors in years:

2
Average Tenure
59
Average Age
  • The average tenure for the Cardtronics board of directors is less than 3 years, this suggests a new board.
Board of Directors

Mark Rossi

TITLE
Chairman of the Board
COMPENSATION
$280K
AGE
63
TENURE
1.4 yrs

Ed West

TITLE
CEO & Director
COMPENSATION
$12M
AGE
52
TENURE
2.3 yrs

Pat Phillips

TITLE
Independent Director
COMPENSATION
$255K
AGE
69
TENURE
10.2 yrs

Juli Spottiswood

TITLE
Independent Director
COMPENSATION
$255K
AGE
52
TENURE
8.9 yrs

Warren Jenson

TITLE
Independent Director
COMPENSATION
$152K
AGE
62
TENURE
1.8 yrs

Jorge Diaz

TITLE
Independent Director
COMPENSATION
$245K
AGE
54
TENURE
15.3 yrs

Julie Gardner

TITLE
Independent Director
COMPENSATION
$245K
AGE
61
TENURE
6.5 yrs

Doug Braunstein

TITLE
Independent Director
COMPENSATION
$152K
AGE
58
TENURE
1.8 yrs

Michelle Moore

TITLE
Independent Director
AGE
47
TENURE
0.1 yrs

Rahul Gupta

TITLE
Independent Director
AGE
60
TENURE
0.1 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
27. Nov 19 Sell Paul Gullo Individual 25. Nov 19 25. Nov 19 -974 $43.18 $-42,057
13. Aug 19 Sell Dan Antilley Individual 09. Aug 19 09. Aug 19 -3,000 $32.49 $-97,470
12. Aug 19 Sell Paul Gullo Individual 08. Aug 19 08. Aug 19 -1,200 $33.40 $-40,080
08. Aug 19 Sell Stuart MacKinnon Individual 06. Aug 19 06. Aug 19 -10,000 $33.43 $-334,300
X
Management checks
We assess Cardtronics's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Cardtronics has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

What You Must Know About Cardtronics plc's (NASDAQ:CATM) Beta Value

Beta can be a useful tool to understand how much a stock is influenced by market risk (volatility). … A stock with a beta below one is either less volatile than the market, or more volatile but not corellated with the overall market. … See our latest analysis for Cardtronics What CATM's beta value tells investors Given that it has a beta of 1.29, we can surmise that the Cardtronics share price has been fairly sensitive to market volatility (over the last 5 years).

Simply Wall St -

Introducing Cardtronics (NASDAQ:CATM), The Stock That Dropped 29% In The Last Three Years

Cardtronics plc (NASDAQ:CATM) shareholders should be happy to see the share price up 18% in the last month. … In fact, the share price is down 29% in the last three years, falling well short of the market return. … With revenue flat over three years, it seems unlikely that the share price is reflecting the top line.

Simply Wall St -

Is Now The Time To Look At Buying Cardtronics plc (NASDAQ:CATM)?

Some share price movements can give investors a better opportunity to enter into the stock, and potentially buy at a lower price. … According to my valuation model, Cardtronics seems to be fairly priced at around 16% below my intrinsic value, which means if you buy Cardtronics today, you’d be paying a fair price for it. … CATM’s optimistic future growth appears to have been factored into the current share price, with shares trading around its fair value.

Simply Wall St -

Cardtronics (NASDAQ:CATM) Has A Somewhat Strained Balance Sheet

Debt assists a business until the business has trouble paying it off, either with new capital or with free cash flow. … Either way, since Cardtronics does have more debt than cash, it's worth keeping an eye on its balance sheet. … Finally, a business needs free cash flow to pay off debt; accounting profits just don't cut it.

Simply Wall St -

A Look At The Intrinsic Value Of Cardtronics plc (NASDAQ:CATM)

Generally we assume that a dollar today is more valuable than a dollar in the future, and so the sum of these future cash flows is then discounted to today's value: 10-year free cash flow (FCF) forecast 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 Levered FCF ($, Millions) $101.67 $128.27 $129.67 $131.72 $134.25 $137.16 $140.36 $143.81 $147.45 $151.28 Growth Rate Estimate Source Analyst x3 Analyst x2 Est @ 1.09% Est @ 1.58% Est @ 1.92% Est @ 2.17% Est @ 2.34% Est @ 2.45% Est @ 2.54% Est @ 2.59% Present Value ($, Millions) Discounted @ 10.8% $91.76 $104.49 $95.33 $87.40 $80.40 $74.13 $68.47 $63.31 $58.59 $54.25 Present Value of 10-year Cash Flow (PVCF)= $778.13m "Est" = FCF growth rate estimated by Simply Wall St After calculating the present value of future cash flows in the intial 10-year period, we need to calculate the Terminal Value, which accounts for all future cash flows beyond the first stage. … In the same way as with the 10-year 'growth' period, we discount future cash flows to today's value, using a cost of equity of 10.8%. … NasdaqGS:CATM Intrinsic value, June 12th 2019 Important assumptions We would point out that the most important inputs to a discounted cash flow are the discount rate and of course the actual cash flows.

Simply Wall St -

Cardtronics plc (NASDAQ:CATM) Might Not Be A Great Investment

The formula for calculating the return on capital employed is: Return on Capital Employed = Earnings Before Interest and Tax (EBIT) ÷ (Total Assets - Current Liabilities) Or for Cardtronics: 0.063 = US$88m ÷ (US$1.8b - US$408m) (Based on the trailing twelve months to March 2019.) Therefore, Cardtronics has an ROCE of 6.3%. … Cardtronics's Current Liabilities And Their Impact On Its ROCE Current liabilities include invoices, such as supplier payments, short-term debt, or a tax bill, that need to be paid within 12 months. … The ROCE equation subtracts current liabilities from capital employed, so a company with a lot of current liabilities appears to have less capital employed, and a higher ROCE than otherwise.

Simply Wall St -

Update: Cardtronics (NASDAQ:CATM) Stock Gained 17% In The Last Year

For example, the Cardtronics plc (NASDAQ:CATM) share price is up 17% in the last year, clearly besting than the market return of around 8.5% (not including dividends). … One flawed but reasonable way to assess how sentiment around a company has changed is to compare the earnings per share (EPS) with the share price. … During the last year Cardtronics grew its earnings per share, moving from a loss to a profit.

Simply Wall St -

Does Cardtronics plc (NASDAQ:CATM) Have A Particularly Volatile Share Price?

If you're interested in Cardtronics plc (NASDAQ:CATM), then you might want to consider its beta (a measure of share price volatility) in order to understand how the stock could impact your portfolio. … Every stock in the market is exposed to this volatility, which is linked to the fact that stocks prices are correlated in an efficient market. … Some investors use beta as a measure of how much a certain stock is impacted by market risk (volatility).

Simply Wall St -

Should We Be Cautious About Cardtronics plc's (NASDAQ:CATM) ROE Of 1.0%?

With that in mind, this article will work through how we can use Return On Equity (ROE) to better understand a business. … Our data shows Cardtronics has a return on equity of 1.0% for the last year. … Return on Equity = Net Profit ÷ Shareholders' Equity

Simply Wall St -

At US$27.10, Is It Time To Put Cardtronics plc (NASDAQ:CATM) On Your Watch List?

Cardtronics plc (NASDAQ:CATM), which is in the it business, and is based in United States,. … As a stock with high coverage by analysts, you could assume any recent changes in the company’s outlook is already priced into the stock? … Let’s take a look at Cardtronics’s outlook and value based on the most recent financial data to see if the opportunity still exists.

Simply Wall St -

Company Info

Description

Cardtronics plc provides automated consumer financial services through its network of automated teller machines (ATMs) and multi-function financial services kiosks. The company offers cash dispensing and balance inquiries; and financial related services to cardholders, as well as ATM management and ATM equipment-related services to large retail merchants, smaller retailers, financial institutions, and operators of facilities, such as shopping malls, airports, and train stations. It also provides transaction processing, cash and cash delivery management, supply, and telecommunications, as well as routine and technical maintenance services for ATMs; and owns and operates electronic funds transfer transaction processing platforms that offer transaction processing services to its network of ATMS, as well as other ATMs under managed services arrangements. In addition, the company provides processing services for issuers of debit cards; and owns and operates Allpoint network, a surcharge-free ATM network, which offers surcharge-free ATM access to participating banks, credit unions, and stored-value debit card issuers. As of December 31, 2018, it provided services to approximately 227,000 ATMs in North America, Europe, Africa, Australia, and New Zealand. The company was founded in 1989 and is based in Houston, Texas.

Details
Name: Cardtronics plc
CATM
Exchange: NasdaqGS
Founded: 1989
$734,385,151
44,454,307
Website: http://www.cardtronics.com
Address: Cardtronics plc
2050 West Sam Houston Parkway South,
Suite 1300,
Houston,
Texas, 77042,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGS CATM Class A Ordinary Shares Nasdaq Global Select US USD 11. Dec 2007
DB 001 Class A Ordinary Shares Deutsche Boerse AG DE EUR 11. Dec 2007
Number of employees
Current staff
Staff numbers
1,987
Cardtronics employees.
Industry
Data Processing and Outsourced Services
Software
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/04/03 03:16
End of day share price update: 2020/04/02 00:00
Last estimates confirmation: 2020/04/01
Last earnings filing: 2020/03/02
Last earnings reported: 2019/12/31
Last annual earnings reported: 2019/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.