Cardtronics plc: insider trades · United States · SEC (Form 4)

About Cardtronics plc

Cardtronics plc was a financial-services and technology company focused on cash-access infrastructure and ATM services. Before being acquired and integrated into NCR, the company traded on the NASDAQ under ticker CATM and was incorporated as a UK public limited company, while maintaining its principal operating base in Houston, Texas, United States. Its corporate address and major administrative functions were located at 2050 West Sam Houston Parkway South, Suite 1300, Houston, Texas 77042. For investors, Cardtronics represented a highly essential, infrastructure-like business tied to everyday payment access and cash availability. Founded in the late 1990s, Cardtronics built a global footprint as the world’s largest non-bank ATM operator. Its business model centered on three core activities: owning and operating ATMs, managing ATMs on behalf of third parties, and running the Allpoint network, which it described as the world’s largest retail-based surcharge-free ATM network. The company also provided ATM deployment, maintenance, cash replenishment support, equipment-related services, and related financial self-service solutions. Its customer base included financial institutions, retail chains, and high-traffic venue operators such as convenience stores, pharmacies, supermarkets, airports, and transit locations. From a competitive standpoint, Cardtronics occupied a strong niche thanks to scale, recurring multi-year contracts, and the network effect created by Allpoint. Its value proposition was clear: help banks, retailers, and consumer-facing brands provide convenient cash access at lower operating complexity. The company’s disclosures indicated a global presence across 10 countries, with operations in North America, Europe, Asia-Pacific, and Africa, and a meaningful concentration in the United States. That geographic diversification helped diversify transaction volumes and merchant relationships, even though the U.S. remained the largest market. Cardtronics’ most significant recent corporate event was its acquisition by NCR Corporation. NCR announced the definitive agreement in January 2021, and the transaction closed on June 21, 2021. The deal was strategically important for NCR’s NCR-as-a-Service agenda because it added Cardtronics’ Allpoint network and ATM footprint, strengthening NCR’s payments and self-service banking platform. As a result, Cardtronics should now be viewed less as a standalone listed equity and more as a legacy operating platform within a larger payments and self-service ecosystem. For historical context, the company’s final standalone filings under CATM emphasized its role as a trusted leader in financial self-service and cash access. That positioning made Cardtronics a notable player in the ATM and retail cash-distribution market, particularly in the United States, and an important reference name for investors studying the evolution of cash access infrastructure on the NASDAQ market.