Lloyds Banking Group selects Atleos for branch modernization pilot

Published 22/07/2025, 18:06
Lloyds Banking Group selects Atleos for branch modernization pilot

ATLANTA - Lloyds Banking Group has chosen NCR Atleos Corporation (NYSE:NATL), a profitable technology provider with annual revenue of $4.2 billion, to implement ATM as a Service (ATMaaS) technology in flagship branches in Manchester and Glasgow, according to a press release issued Tuesday. According to InvestingPro analysis, the company appears undervalued at current market prices.

The initiative aims to modernize branch operations by introducing recycling technology with coin handling functionality, transaction processing and engineering services. The pilot program will free branch staff from ATM maintenance responsibilities, allowing them to focus on customer engagement. This aligns with the company’s strategy to maintain its robust EBITDA of $850 million while expanding service offerings.

"With NCR Atleos’ end to end service proposition, note and coin technology, we will be able to reduce traffic for the counter service, freeing employee time for meaningful customer interactions," said Clare Buckley, Branch Transformation Product Owner for Lloyds Banking Group.

Lloyds Banking Group, the largest UK-based retail and commercial financial services provider, has partnered with NCR for over 20 years. Under the new arrangement, Atleos will manage hardware, software, logical security, installation, maintenance, cash forecasting and processing for the pilot locations.

Diego Navarrete, Executive Vice President of Global Sales for NCR Atleos, stated that the implementation will help Lloyds "reduce back-office complexities while also providing more innovative, robust self-service experiences."

The partnership represents an extension of the companies’ existing relationship, with the pilot program serving as a test for potential wider implementation across Lloyds’ branch network.

NCR Atleos Corporation specializes in self-service financial access solutions and operates an independently-owned ATM network. With a market capitalization of $2 billion and positive earnings expectations, the company shows promising fundamentals. For detailed analysis and additional insights, including 7 key ProTips, check out the comprehensive research report available on InvestingPro.

In other recent news, NCR Atleos Corp reported its Q1 2025 financial results, revealing a strong earnings per share (EPS) of $0.64, which represents a 56% increase compared to the previous year. The company’s revenue for the quarter reached $966 million, although this was slightly below the prior year’s constant currency basis. Despite the revenue miss, the company’s performance was notable for its earnings growth. Additionally, InComm Payments has adopted NCR Atleos’ ReadyCode API to enable cardless cash withdrawals at over 23,000 ATMs nationwide. This integration facilitates cash withdrawals without physical cards, enhancing convenience for customers across more than 40 states. In terms of analyst ratings, Wedbush initiated coverage of NCR Atleos with an outperform rating, citing the company’s strong free cash flow generation as a key factor. DA Davidson also reiterated its Buy rating for the company, maintaining a price target of $60.00 per share. These developments highlight NCR Atleos’ strategic moves and positive outlook from financial analysts.

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