📊 DBD Key Takeaways
Is DIEBOLD NIXDORF, Inc (DBD) a Good Investment?
Diebold Nixdorf exhibits severely deteriorating fundamentals with razor-thin profitability (0.6% net margin), inability to cover interest expense (0.4x coverage ratio), and stagnant growth of only 1.5% YoY. The company is generating minimal economic returns (0.5% ROE, 0.1% ROA) on a substantial $939.4M debt load, indicating financial distress in a mature, low-growth business.
Diebold Nixdorf shows a credible fundamental recovery profile, with positive revenue growth, solid operating profitability, and strong free cash flow generation relative to sales. However, growth remains modest, net margins are still thin, and interest coverage is only moderate, which limits financial flexibility if operating conditions weaken. The business looks fundamentally improved but not strong enough to justify an aggressive rating.
Why Buy DIEBOLD NIXDORF, Inc Stock? DBD Key Strengths
- Positive free cash flow of $19.5M despite operational challenges
- Adequate current ratio of 1.28x providing near-term liquidity buffer
- Stable revenue base with modest 1.5% YoY growth in mature market
- Strong free cash flow generation with a 7.6% FCF margin and low capital intensity
- Positive operating profitability with 6.4% operating margin and improving earnings base
- Manageable balance sheet structure with 1.30x current ratio and debt/equity of 0.85x
DBD Stock Risks: DIEBOLD NIXDORF, Inc Investment Risks
- Critical interest coverage ratio of 0.4x indicates operating income insufficient to service debt obligations
- Net margin of 0.6% provides zero margin for error; any revenue decline would drive losses
- Quick ratio of 0.89x signals potential liquidity stress and limits financial flexibility
- Minimal returns on equity and assets (0.5% and 0.1%) demonstrate value-destructive operations
- Structural decline in core ATM/accounting machines business with limited growth prospects
- Low net margin of 2.5% leaves limited cushion against cost pressure or revenue softness
- Interest coverage of 3.2x suggests debt service is manageable but not especially comfortable
- Revenue growth of 1.5% indicates limited top-line momentum and raises questions about growth durability
Key Metrics to Watch
- Interest coverage ratio trajectory - must improve above 1.0x for viability
- Operating margin expansion - critical to generate sufficient earnings for debt service
- Free cash flow sustainability - monitor if FCF generation can continue given weak profitability
- Operating margin and net margin trend
- Interest coverage and free cash flow conversion
DIEBOLD NIXDORF, Inc (DBD) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The relatively thin 2.2% FCF margin may limit capital allocation flexibility.
DBD Profit Margin, ROE & Profitability Analysis
DBD vs Technology Sector: How DIEBOLD NIXDORF, Inc Compares
How DIEBOLD NIXDORF, Inc compares to Technology sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is DIEBOLD NIXDORF, Inc Stock Overvalued? DBD Valuation Analysis 2026
Based on fundamental analysis, DIEBOLD NIXDORF, Inc shows some fundamental concerns relative to the Technology sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
DIEBOLD NIXDORF, Inc Balance Sheet: DBD Debt, Cash & Liquidity
DBD Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: DIEBOLD NIXDORF, Inc's revenue has declined by 14% over the 5-year period, indicating business contraction. The most recent EPS of $16.74 reflects profitable operations.
DBD Revenue Growth, EPS Growth & YoY Performance
DBD Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $841.1M | $5.0M | $0.14 |
| Q3 2025 | $927.1M | -$22.1M | $-0.59 |
| Q2 2025 | $915.2M | $300.0K | $0.01 |
| Q1 2025 | $841.1M | -$8.3M | $-0.22 |
| Q3 2024 | $351.6M | -$8.9M | $-0.24 |
| Q2 2024 | $922.2M | $300.0K | $0.01 |
| Q1 2024 | $858.1M | -$14.6M | $-0.39 |
| Q3 2023 | $351.6M | -$26.5M | $-0.63 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
DIEBOLD NIXDORF, Inc Dividends, Buybacks & Capital Allocation
DBD SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for DIEBOLD NIXDORF, Inc (CIK: 0000028823)
📋 Recent SEC Filings
❓ Frequently Asked Questions about DBD
What is the AI rating for DBD?
DIEBOLD NIXDORF, Inc (DBD) has a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (HOLD) with 79% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are DBD's key strengths?
Claude: Positive free cash flow of $19.5M despite operational challenges. Adequate current ratio of 1.28x providing near-term liquidity buffer. ChatGPT: Strong free cash flow generation with a 7.6% FCF margin and low capital intensity. Positive operating profitability with 6.4% operating margin and improving earnings base.
What are the risks of investing in DBD?
Claude: Critical interest coverage ratio of 0.4x indicates operating income insufficient to service debt obligations. Net margin of 0.6% provides zero margin for error; any revenue decline would drive losses. ChatGPT: Low net margin of 2.5% leaves limited cushion against cost pressure or revenue softness. Interest coverage of 3.2x suggests debt service is manageable but not especially comfortable.
What is DBD's revenue and growth?
DIEBOLD NIXDORF, Inc reported revenue of $891.8M.
Does DBD pay dividends?
DIEBOLD NIXDORF, Inc does not currently pay dividends.
Where can I find DBD SEC filings?
Official SEC filings for DIEBOLD NIXDORF, Inc (CIK: 0000028823) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is DBD's EPS?
DIEBOLD NIXDORF, Inc has a diluted EPS of $0.14.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is DBD a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, DIEBOLD NIXDORF, Inc has a SELL rating with 79% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is DBD stock overvalued or undervalued?
Valuation metrics for DBD: ROE of 0.5% (sector avg: 22%), net margin of 0.6% (sector avg: 18%). Compare these metrics with sector averages to assess valuation.
Should I buy DBD stock in 2026?
Our dual AI analysis gives DIEBOLD NIXDORF, Inc a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is DBD's free cash flow?
DIEBOLD NIXDORF, Inc's operating cash flow is $31.7M, with capital expenditures of $12.2M. FCF margin is 2.2%.
How does DBD compare to other Technology stocks?
Vs Technology sector averages: Net margin 0.6% (avg: 18%), ROE 0.5% (avg: 22%), current ratio 1.28 (avg: 2.5).