DBD vs AZ vs XYZ Stock Comparison

Diebold Nixdorf, A2Z Cust2Mate Solutions and Block Prices as of Oct 26, 2026 Peers: Industry group
DBD DIEBOLD NIXDORF, Inc
$68.85 +9.8% 1M +17.2% 1Y
Market cap
$2.32B
P/E
20.8x
Revenue (TTM)
$3.87B
Div. yield
–
Restaurant and Retail Software Technology
6 wins
XYZ Block, Inc.
$74.56 -2.4% 1M -6.3% 1Y
Market cap
$44.64B
P/E
125.0x
Revenue (TTM)
$25.04B
Div. yield
–
Payment Processing Technology
3 wins

Head to Head

11 decided of 12

Diebold Nixdorf leads on 6 of the 12 questions below (Diebold Nixdorf 6, Block 3, A2Z Cust2Mate Solutions 2). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionDBDAZXYZLeader
Larger companyMarket capitalisation $2.32B $222.12M $44.64B XYZ
Cheaper on earningsLower P/E, profitable companies only 20.8x -6.5x 125.0x DBD
Cheaper on forward earningsLower price / next fiscal year consensus EPS 12.3x — 19.2x DBD
Faster revenue growthRevenue growth, trailing twelve months +5.4% +153.0% +5.1% AZ
More profitableNet margin, trailing twelve months 2.9% -236.1% 1.4% DBD
Better return on capitalReturn on invested capital 9.1% — 2.0% DBD
Less leveragedLower net debt / EBITDA 1.7x 0.3x 0.3x XYZ
Higher dividend yieldTrailing dividend yield 0.00% 0.00% 0.00% –
Better 1-year returnPrice return, last 12 months +17.2% -21.4% -6.3% DBD
Better 5-year returnAnnualised price return, 5 years — -21.1%/yr -21.7%/yr AZ
Less volatileAnnualised volatility, 1 year 40.3% 72.8% 46.5% DBD
Higher overall scoreMean of the five percentile scores vs peers 71/100 31/100 73/100 XYZ

Percentile Scorecard

DBDAZXYZ

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisDBDAZXYZ
Valuation 91 #9 of 90 3 #87 of 90 83 #18 of 99
Growth 78 #19 of 82 21 #65 of 82 82 #18 of 94
Profitability 61 #31 of 77 4 #74 of 77 65 #32 of 90
Financial Health 35 #63 of 96 93 #8 of 96 68 #34 of 105
Shareholder Returns 93 #5 of 54 36 #35 of 54 68 #20 of 61
Overall 71 31 73
  • DBD ranked among 99 companies in Vertical Software
  • AZ ranked among 99 companies in Vertical Software
  • XYZ ranked among 109 companies in Fintech

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodDBDAZXYZSPY
1 month +9.8%+7.2%-2.4% -0.8%
3 months -24.1%+1.6%-8.2% +3.5%
6 months -16.4%-20.8%+4.6% +7.0%
Year to date +1.4%-10.3%+14.5% +12.2%
1 year +17.2%-21.4%-6.3% +13.0%
3 years +274.6%+55.7%+86.3% +86.3%
3 years, per year +55.4%+15.9%+23.1% +23.1%
5 years —-69.3%-70.5% +68.6%
5 years, per year —-21.1%-21.7% +11.0%
10 years ——+565.1% +258.0%
10 years, per year ——+20.9% +13.6%

Risk

MeasureDBDAZXYZSPY
Volatility, 1Y 40.3%72.8%46.5% 12.7%
Downside volatility, 1Y 44.6%71.2%46.2% 12.7%
Beta vs S&P 500, 1Y 1.112.421.83 1.00
Return / volatility, 1Y 0.43-0.29-0.13 1.02
Max drawdown, 5Y -33.6%-96.9%-85.0% -25.4%
From 52-week high -24.1%-32.1%-12.1% -1.8%
52-week high $90.73$8.60$84.84 $779.14
52-week low $56.24$5.12$49.09 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleDBDAZXYZ
P/E now vs peer median 21.3xmedian 42.4x -6.3xmedian 42.4x 124.8xmedian 20.6x
P/S now vs peer median 0.6xmedian 2.7x 17.8xmedian 2.7x 1.8xmedian 2.3x
EV/EBITDA now vs peer median 8.0xmedian 19.0x -6.5xmedian 19.0x 29.2xmedian 15.4x
P/FCF now vs peer median 9.8xmedian 19.4x -7.4xmedian 19.4x 11.5xmedian 16.4x
P/B now vs peer median 2.4xmedian 1.8x 4.0xmedian 1.8x 2.0xmedian 1.9x
PEG now vs peer median 0.68median 1.75 -0.30median 1.75 1.85median 1.05

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsDBDAZXYZ
Revenue $3.87B $14.42M $25.04B
Gross profit $977.60M $2.90M $11.61B
Operating income $246.30M -$38.70M $1.17B
Net income $113.90M -$34.76M $357.28M
Free cash flow $238.10M -$34.81M $3.88B
R&D $84.30M $11.64M $3.07B
EPS (diluted) $3.15 $-0.92 $0.59
Cash & equivalents $282.40M $14.78M $6.43B
Total debt $942.90M $2.22M $6.88B
Shares (diluted) 35.30M 36.96M 608.85M
Enterprise value $981.28M $130.95M $15.94B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricDBDAZXYZ
P/E 21.3x -6.3x 124.8x
P/FCF 9.8x -7.4x 11.5x
P/Operating cash flow 8.6x -7.3x 11.0x
P/S 0.6x 17.8x 1.8x
P/B 2.4x 4.0x 2.0x
P/Tangible book 10.0x 4.0x 2.1x
EV/EBITDA 8.0x -6.5x 29.2x
EV/EBIT 12.2x -6.3x 38.7x
EV/Revenue 0.8x 16.9x 1.8x
EV/FCF 12.6x -7.0x 11.7x
EV/Operating cash flow 11.0x -7.0x 11.2x
PEG (3Y EPS CAGR) 0.68 -0.30 1.85

Growth

14 metrics
MetricDBDAZXYZ
Revenue growth (1Y) 5.4% 153.0% 5.1%
Revenue CAGR (3Y) 2.8% 7.1% 8.3%
Gross profit growth (1Y) 8.1% 24.2% 23.7%
Gross profit CAGR (3Y) 4.9% -1.2% 19.5%
Operating income growth (1Y) 42.0% -95.5% 1.7%
Operating income CAGR (3Y) 97.9% -25.9% 77.9%
Net income growth (1Y) 1,019% 0.8% -87.9%
Net income CAGR (3Y) 28.4% -13.9% 64.5%
EPS growth (1Y) 1,016% 41.8% -87.7%
EPS CAGR (3Y) 31.1% 21.2% 67.4%
Operating cash flow growth (1Y) 16.7% -154.2% 236.4%
Operating cash flow CAGR (3Y) – -58.4% 105.3%
Free cash flow growth (1Y) 12.7% -148.3% 266.4%
Free cash flow CAGR (3Y) – -54.3% 129.4%

Profitability

14 metrics
MetricDBDAZXYZ
Gross margin 25.2% 20.1% 46.4%
EBITDA margin 9.7% -260.5% 6.2%
Operating margin 6.4% -268.5% 4.7%
Pretax margin 4.2% -259.7% 2.8%
Net margin 2.9% -236.1% 1.4%
FCF margin 6.1% -241.5% 15.5%
Operating cash flow margin 7.1% -242.8% 16.2%
Return on equity 11.4% -51.4% 1.6%
Return on assets 3.0% -46.0% 0.9%
Return on invested capital 9.1% – 2.0%
Return on capital employed 10.1% -57.7% 4.0%
Asset turnover 1.0x 0.2x 0.6x
Cash conversion (OCF / net income) 2.4x 1.0x 11.4x
Stock comp / revenue 0.3% 117.6% 4.8%

Financial Health

11 metrics
MetricDBDAZXYZ
Debt / assets 25.2% 3.0% 17.6%
Debt / equity 1.0x 0.0x 0.3x
Net debt / EBITDA 1.7x 0.3x 0.3x
Debt / FCF 4.0x -0.1x 1.8x
Liabilities / assets 73.9% 12.6% 43.7%
Equity / assets 26.1% 87.4% 56.3%
Interest coverage 2.7x – –
Current ratio 1.3x 7.5x 2.2x
Quick ratio 0.6x 2.5x 0.8x
Cash ratio 0.2x 1.7x 0.6x
Altman Z-score 1.92 12.90 2.82

Shareholder Returns

7 metrics
MetricDBDAZXYZ
Dividend yield – – –
Net buyback yield 9.1% 0.0% 4.0%
Shareholder yield 9.1% 0.0% 4.0%
Payout ratio (earnings) – – –
Payout ratio (FCF) – – –
Dividend growth (1Y) – – –
Dividend CAGR (3Y) – – –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusDBDAZXYZ
Forward P/E 12.3xFY2026 – 19.2xFY2026
EPS, next fiscal year $5.62FY2026 $-0.48FY2026 $3.89FY2026
EPS growth, next FY +0.5%FY2026 – +64.1%FY2026
EPS growth, the year after +31.5% – +38.3%
Revenue, next fiscal year $4.14BFY2026 $36.64MFY2026 $24.57BFY2026
Revenue growth, next FY +8.6%FY2026 +363.9%FY2026 +1.6%FY2026
Revenue growth, the year after +3.1% +215.6% +21.4%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersDBDAZXYZ
Held by institutions 100.0% 52.6% 73.6%
Institutions holding 213 49 1,081
Change in shares held, QoQ +8.6% +17.1% +3.0%
Institutions buying 129 25 581
Institutions selling 61 13 330
Buyers to sellers 2.11 1.92 1.76

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

DBDAZXYZ
DBD 1.00 0.26 0.20
AZ 0.26 1.00 0.38
XYZ 0.20 0.38 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, DBD, AZ and XYZ?

Block (XYZ) is the largest by market capitalisation: Diebold Nixdorf (DBD) $2.32B, A2Z Cust2Mate Solutions (AZ) $222.12M, Block (XYZ) $44.64B.

Which stock is cheaper, DBD, AZ and XYZ?

Diebold Nixdorf (DBD) trades on the lowest price-to-earnings ratio (Diebold Nixdorf (DBD) 20.8x, A2Z Cust2Mate Solutions (AZ) -6.5x, Block (XYZ) 125.0x). On next year's consensus earnings, Diebold Nixdorf (DBD) is cheapest (Diebold Nixdorf (DBD) 12.3x, Block (XYZ) 19.2x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

A2Z Cust2Mate Solutions (AZ) grew revenue fastest over the trailing twelve months: Diebold Nixdorf (DBD) +5.4%, A2Z Cust2Mate Solutions (AZ) +153.0%, Block (XYZ) +5.1%.

Which company is more profitable?

Diebold Nixdorf (DBD) has the highest net margin (Diebold Nixdorf (DBD) 2.9%, A2Z Cust2Mate Solutions (AZ) -236.1%, Block (XYZ) 1.4%). On return on invested capital, Diebold Nixdorf (DBD) leads (Diebold Nixdorf (DBD) 9.1%, Block (XYZ) 2.0%).

Which stock has performed better?

Over the past year Diebold Nixdorf (DBD) returned the most: Diebold Nixdorf (DBD) +17.2%, A2Z Cust2Mate Solutions (AZ) -21.4%, Block (XYZ) -6.3%. Over five years, A2Z Cust2Mate Solutions (AZ) compounded fastest (A2Z Cust2Mate Solutions (AZ) -21.1%/yr, Block (XYZ) -21.7%/yr). Returns are price only, before dividends.

Which stock is riskier?

By one-year price volatility, Diebold Nixdorf (DBD) has been the steadiest (Diebold Nixdorf (DBD) 40.3%, A2Z Cust2Mate Solutions (AZ) 72.8%, Block (XYZ) 46.5%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, DBD, AZ and XYZ?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Diebold Nixdorf (DBD) leads on 6. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.