VYX NCR Voyix Corp
FY2025 10-K
NCR Voyix Corp (VYX) filed its fiscal year 2025 10-K annual report with the SEC on Feb 26, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business model: Payments solutions provider requiring bank sponsorship and card brand registrations for transaction processing
- • Emphasis on compliance with evolving global payments regulations and potential impacts on service offerings and financial performance
Management Discussion & Analysis
- • Operating cash flow $(210)M in 2025, adjusted free cash flow $27M despite $(165)M capex
- • No outstanding balance on $200M term loan and $500M revolver as of 12/31/25; $24M in letters of credit outstanding
Risk Factors
- • Tax payment $284M related to Digital Banking Sale increased 2025 operating cash outflow to $210M
- • Net cash used in operating activities from discontinued operations $302M in 2024, zero in 2025 post Digital Banking Sale
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