I think this one will come around

NCR (NCR) downgraded from buy to hold.

Cramer: VMWare Not Hurting EMC: Jim Cramer likes the quarter's numbers for EMC and isn't worried about VMWare.


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Today, at about 23, NCR trades at just 15.4 times projected 2008 profits, compared to 19.3 times for Diebold. Long-term debt makes up just 15% of capital, compared to 33% for Diebold, and the cash in NCR's own bank vault gives it plenty of dry powder.

The financial self-service or ATM unit also has the benefit of geographic diversity, says KeyBanc analyst Matt Summerville. Nearly three-quarters of its sales come from overseas, and its U.S. business is well-aligned with big, national banks for which ATM-spending remains robust.

Its customer-service segment, which accounts for nearly 38% of sales, has a busy year with new-product launches. Retail-store automation drives just 19% of revenue today, but Summerville thinks "self service represents the largest growth opportunity." Growth could come from expanding self-checkout into general-merchandise and drug stores, automating the returning of merchandise, and increasing penetration of the travel and hospitality industries with self-service innovations at international airports, hotels, car-rental shops and restaurants. These should lead to another year of solid double-digit sales growth -- nothing to scoff at today.

Cramer: My Top Tech Buys
Hear Jim Cramer on why technology, as a sector, is oversold and which stocks he favors in the group.

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Ex-employeee

Value and Buy Backs after 1st of Year.

Shares Held 949,280

interesting scenerio with Teradata division spin off on the horizon

long relationship with company

never improves

?