SHAP analysis identified NT-proBNP as the most influential feature, with elevated NT-proBNP and E/e' levels associated with increased predicted risk and higher LVEF linked to decreased risk.<h4>Conclusions</h4>ML models incorporating cardiac biomarkers and echocardiographic parameters improve stroke risk stratification in low- to moderate-risk NVAF patients, supporting personalized anticoagulation strategies. Here, NPPB is linked to stroke disorder.