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NetSol Technologies, Inc. NTWK TECH

Technology · Software - Application · United States
https://www.netsoltech.com
Company Profile ↓
$4.00
-2.20% 1Y
Mkt Cap$47.51M
P/E26.67
P/B1.39
52W High$5.22
52W Low$2.80
Book Value$3.14
EPS (TTM)$0.15

Company Overview

NetSol Technologies, Inc. engages in the design, development, marketing, and export of enterprise software solutions to the automobile financing and leasing, banking, and financial services industries in North America, Europe, and Asia Pacific. The company provides various platforms, including Transcend Platform for digital retail and finance; Originations, an AI-powered loan origination platform; Servicing, a next-gen loan and lease servicing software; Wholesale finance; Mobility solutions; and AI labs. It provides flex, a platform for contract calculations; dock, for rapid document generation; lan, a system for asset leasing and loans; hubex, an API library; index, a lending configuration repository; Tax Engine; PayOff, a platform for early contract closures; Modifi, a platform for Contract Modification; Receive Now, an receivables management platform. The company offers advanced information security services; digital solutions; AI-powered automotive and equipment finance software; AI and ML services and gen AI solutions; digital policy and strategy. Further it provides cloud services, such as managed, cloud infrastructure, development and integrations, SAAS development, devops, and MLOPS and model management, and data engineering services. It serves automobiles, equipment, bank, captive and wholesale industries. The company was incorporated in 1997 and is headquartered in Encino, California.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 26.7, below the sector median of 29.2.

Healthy Margins

Operating margin of 15.2% supports profitability.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.21.

Recent Developments

  • Jun 2025 Revenue of $66.09M (+7.6% YoY); net profit $2.92M.
  • Trailing 12 Months Year-on-year growth — revenue +13.0%, earnings -8.3%.
  • 5-Year Trend Long-term compounding — revenue CAGR 4.3%, profit CAGR -4.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:4.32%
1 Year:13.00%

Compounded Profit Growth

5 Years:-4.69%
1 Year:-8.30%

Stock Price Performance

1 Year:-2.20%
6 Months:+8.11%
3 Months:-8.05%
1 Month:-6.10%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 50% of range
$2.80 $5.22
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)40.02 · Neutral
Price Performance
1M-6.10%
3M-8.05%
6M+8.11%
1Y-2.20%
Valuation vs Sector

P/E of 26.67 is below the sector median of 29.22 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Earnings shrank at -4.7% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
26.67
Industry PE
29.22
Forward P/E
10.53
PEG Ratio
0.30
Book Value
$3.14
Price to Book
1.39
P/S
0.72
EV/EBITDA
7.74
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
4.32%
Profit 5Y
-4.69%
Revenue (YoY)
13.00%
Earnings (YoY)
-8.30%

Profitability & Returns

ROCE
8.20%
ROE
11.46%
ROA
5.44%
Profit Margin
2.45%
Op Margin
15.16%
Gross Margin
50.40%
EPS (Latest Qtr)
$0.11
EPS (TTM)
$0.15

Balance Sheet & Liquidity

Debt/Equity
0.21
Quick Ratio
1.85
Current Ratio
1.94
Debt
$9.33M
Total Assets
$71.92M
Current Assets
$52.32M
Working Capital
$26.61M

Ownership

Promoter Holding
20.54%
Chg in Prom Hold
0.00%
FII / Inst Holding
18.16%
Chg in FII Hold
-2.24%

Financial Snapshot

Enterprise Value
$47.51M
Total Revenue (TTM)
$72.06M
EBITDA
$6.96M
Free Cash Flow
$-3.59M
Operating Cash Flow
$-344.40K
Shares Outstanding
11.88M
Gross Margin
50.40%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Technology).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 NTWK NetSol Technologies, Inc. TECH 4.00 26.67 $47.51M 0.00% 8.20% 11.46% 4.32% -4.69%
2 NVDA NVIDIA Corporation NDXSPXR3KAITECH 225.73 28.50 $5.45T 0.46% 74.66% 117.21% 24.64% 32.12%
3 AAPL Apple Inc. NDXSPXR3KTECH 316.22 36.22 $4.61T 0.34% 68.72% 148.75% 1.81% 3.92%
4 MSFT Microsoft Corporation NDXSPXR3KAITECH 493.95 27.49 $3.67T 0.79% 26.33% 34.04% 9.93% 11.90%
5 TSM Taiwan Semiconductor Manufacturing Company Limited AITECH 439.00 32.71 $2.28T 0.95% 30.20% 39.97% 18.94% 19.57%
6 AVGO Broadcom Inc. NDXSPXR3KAITECH 368.56 46.95 $1.75T 0.71% 16.70% 44.25% 17.04% 54.08%
7 MU Micron Technology, Inc. NDXSPXR3KAITECH 1,000.26 22.59 $1.13T 0.05% 13.69% 66.64% 13.68% 26.02%
8 AMD Advanced Micro Devices, Inc. NDXSPXR3KAITECH 505.74 128.36 $825.61B 0.00% 5.47% 10.20% 11.81% 66.28%
9 ASML ASML Holding N.V. NDXAITECH 1,764.85 59.89 $677.88B 0.51% 42.97% 53.94% 15.55% 19.55%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2013Dec 2013Mar 2014Sep 2014Dec 2014Mar 2015Sep 2015Dec 2015Mar 2016Sep 2016Dec 2016Mar 2017Sep 2017Dec 2017Mar 2018Sep 2018Dec 2018Mar 2019Sep 2019Dec 2019Mar 2020Sep 2020Dec 2020Mar 2021Sep 2021Dec 2021Mar 2022Sep 2022Dec 2022Mar 2023Sep 2023Dec 2023Mar 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -------------14.45M17.04M16.40M17.00M17.13M13.57M15.69M13.53M12.65M13.12M13.78M13.42M15.47M14.81M12.71M12.39M13.51M14.24M15.24M15.46M14.60M-17.54M18.41M15.01M18.81M19.83M
Cost of Revenue -----------------------------------8.80M8.06M9.10M9.78M8.80M
Gross Profit 3.66M2.92M2.45M3.21M5.00M4.71M4.91M530.21K7.39M8.17M6.66M9.00M4.81M6.69M9.19M8.24M8.86M8.56M6.11M7.80M6.02M6.38M6.04M6.43M5.44M7.64M5.83M4.25M3.14M4.71M6.16M7.18M7.47M6.56M-8.74M10.35M5.91M9.03M11.03M
Operating Expenses -----------------------------------7.19M7.15M7.75M7.73M8.02M
Operating Income -1.29M-1.46M-2.68M-2.24M-1.00M-1.63M-559.20K2.59M1.24M842.75K-351.73K1.84M-1.12M316.83K2.75M1.60M2.19M2.09M-427.21K704.99K-376.06K1.04M86.50K462.22K-639.61K1.65M-539.30K-1.90M-3.05M-930.43K350.63K1.03M1.32M-760.16K-1.55M3.20M-1.84M1.30M3.01M
EBITDA -----------------------------------2.54M5.01M-1.50M1.92M3.55M
Interest Expense -----------------------------------194.74K182.01K174.61K176.27K151.54K
Pretax Income -----------------------------------1.99M4.47M-2.00M1.44M3.10M
Tax Provision -----------------------------------151.33K763.57K215.78K480.19K781.24K
Net Income -1.10M-1.63M-1.30M-1.84M-1.37M-1.64M-737.98K1.20M849.48K-386.11K-2.17M699.97K-369.50K634.42K2.86M962.59K2.86M1.27M-1.83M585.98K1.00M717.55K-242.10K-623.23K187.97K1.41M-278.47K-620.73K-2.09M2.54M30.89K408.32K327.55K70.80K-1.42M2.58M-2.36M246.76K1.30M
Diluted EPS -0.12-0.18-0.14-0.20-0.14-0.17-0.070.110.08-0.04-0.200.06-0.030.060.250.080.250.11-0.160.050.090.06-0.02-0.050.020.13-0.02-0.06-0.190.230.000.040.030.01-0.100.12--0.200.020.11
R&D Expense 58.69K55.11K65.06K66.27K80.44K84.04K112.07K117.92K132.12K92.93K91.61K101.19K185.09K189.89K197.64K318.15K424.65K513.77K672.97K454.61K453.05K85.99K110.42K234.68K275.23K235.39K251.00K469.63K472.90K302.26K378.42K341.41K345.58K359.95K333.67K304.79K-214.34K247.71K166.38K

Profit & Loss (Annual)

Figures in USD.

Metric Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Revenue 36.55M39.78M49.85M36.38M51.05M64.55M65.37M60.93M67.82M56.37M54.92M57.25M52.39M61.39M66.09M
Cost of Revenue -----------33.51M35.48M32.11M33.51M
Gross Profit 21.74M21.50M29.55M8.66M17.46M30.80M28.41M29.21M34.89M26.96M26.35M23.74M16.92M29.28M32.57M
Operating Expenses -----------24.82M25.70M25.79M29.07M
Operating Income --13.45M-13.09M-5.17M6.30M-1.00M3.05M6.83M1.07M2.72M-1.08M-8.78M3.49M3.50M
EBITDA -----------6.27M791.65K6.09M8.38M
Interest Expense -----------369.80K765.03K1.14M871.36K
Pretax Income -----------2.09M-3.22M3.22M6.05M
Tax Provision -----------988.94K926.56K1.15M1.48M
Net Income 5.73M2.45M7.86M-11.36M-5.55M3.40M-4.98M4.31M8.58M937.08K1.78M-851.16K-5.24M683.87K2.92M
Diluted EPS 1.160.390.95-1.25-0.570.32-0.460.380.740.080.15-0.08-0.460.060.25
R&D Expense --158.82K249.71K314.89K485.78K393.35K854.00K1.97M1.47M674.17K1.34M1.60M1.40M1.28M

Balance Sheet (Annual)

Figures in USD.

Metric Jun 2010Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jul 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Total Assets -85.65M91.35M102.70M94.90M88.96M93.35M99.68M99.77M91.24M87.50M88.47M86.61M72.61M58.38M64.19M62.44M
Current Assets -------------49.43M41.60M47.46M46.32M
Cash & Equivalents 4.08M4.17M7.60M7.87M11.46M14.17M11.56M14.17M22.09M22.09M17.37M20.17M33.71M23.96M15.53M19.13M17.36M
Inventory -----------------
Receivables -------------8.67M11.71M13.05M7.53M
Total Liabilities -20.74M16.35M13.28M16.15M15.32M15.71M21.48M22.84M23.06M21.01M23.00M24.74M21.75M21.60M24.65M20.18M
Current Liabilities -20.01M13.34M11.87M14.61M14.83M15.23M21.12M22.51M22.73M20.45M20.12M23.48M20.83M20.77M23.87M19.71M
Long Term Debt -434.88K2.08M1.41M1.53M487.49K-----1.92M1.79M12.87K---
Total Debt -------------10.04M7.11M7.67M9.14M
Total Equity 45.80M52.41M59.60M72.15M62.63M59.80M64.30M63.39M62.79M56.99M58.07M58.99M54.65M45.40M33.81M34.84M37.83M
Shares Outstanding -------------12.20M12.28M12.36M12.70M

Cash Flows (Annual)

Figures in USD.

Metric Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Operating Cash Flow 13.92M8.11M13.85M18.63M5.08M1.66M454.37K15.71M4.93M3.97M15.73M3.06M2.01M2.91M447.27K
Investing Cash Flow -17.80M-11.41M-14.47M-14.74M-3.03M-3.67M-2.73M-3.69M-3.65M-2.05M-2.52M-2.26M-1.40M-291.54K-1.27M
Financing Cash Flow 4.27M9.09M1.69M-233.14K1.46M598.18K4.38M-1.02M17.17K1.70M-1.17M-1.38M-718.99K239.55K822.88K
Capital Expenditure -9.09M-4.91M-8.96M-13.24M-3.56M-3.34M-2.20M-2.45M-2.73M-1.38M-2.55M-2.61M-1.64M-515.40K-1.38M
Free Cash Flow 4.84M3.20M4.89M5.40M1.52M-1.68M-1.75M13.26M2.21M2.60M13.17M451.42K370.13K2.39M-935.50K
Net Change in Cash ------------578.25K-108.65K2.86M-4.72K
Share Buybacks -19.42K----38.88K750.71K250.94K-2.36M100.11K61.12K-1.50M
Dividends Paid 1.29M341.66K389.00K1.01M806.94K1.00M2.16M417.85K566.47K1.92M-----

Ratios (Annual)

Figures in %.

Metric Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Gross Margin % 59.5%54.0%59.3%23.8%34.2%47.7%43.5%47.9%51.4%47.8%48.0%41.5%32.3%47.7%49.3%
Operating Margin % --27.0%-36.0%-10.1%9.8%-1.5%5.0%10.1%1.9%5.0%-1.9%-16.8%5.7%5.3%
Net Margin % 15.7%6.2%15.8%-31.2%-10.9%5.3%-7.6%7.1%12.7%1.7%3.2%-1.5%-10.0%1.1%4.4%
ROE % 10.9%4.1%10.9%-18.1%-9.3%5.3%-7.9%6.9%14.8%1.6%3.3%-1.9%-15.5%2.0%7.7%
ROCE % --14.8%-16.3%-7.0%8.1%-1.3%4.0%10.2%1.6%4.3%-2.1%-23.3%8.7%8.2%

Shareholding Pattern

Insiders
20.54%
Institutions
18.16%
Public Float
22.85%

Top Institutional Holders

#Holder% HeldSharesValue
1 Vanguard Capital Management LLC 4.30% 511.17K $2.22M
2 Renaissance Technologies, LLC 3.84% 455.81K $1.98M
3 Blackrock Inc. 2.47% 292.83K $1.27M
4 Geode Capital Management, LLC 1.00% 118.30K $514.61K
5 Mink Brook Asset Management LLC 0.92% 109.35K $475.65K
6 Dimensional Fund Advisors LP 0.89% 106.16K $461.80K
7 Bridgeway Capital Management, LLC 0.61% 72.88K $317.03K
8 Empowered Funds, LLC 0.59% 70.38K $306.15K
9 Vanguard Fiduciary Trust Co 0.54% 64.21K $279.30K
10 State Street Corporation 0.45% 53.01K $230.58K

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for NTWK

Yahoo Finance Mon, 31 Aug 2026

NETSOL Technologies announces leadership transitions across Americas and Europe businesses

Faizaan Ghauri named President of NETSOL Technologies Americas; Peter Minshall and Umar Qadri relocate to strengthen NETSOL's European operations and commercial presenceENCINO, Calif., Aug. 31, 2026 (GLOBE NEWSWIRE) -- NETSOL Technologies, …

Yahoo Finance hu, 16 Jul 2026

NETSOL’s Transcend Retail platform goes live across three new US dealer partners

Steve Hahn Auto Group, Atlanta Autos (part of Gravity Autos) and Royal Coach RV join a growing network of forward-thinking dealerships powered by Transcend RetailENCINO, Calif., July 16, 2026 (GLOBE NEWSWIRE) -- NETSOL Technologies, Inc. (N…

Yahoo Finance Mon, 13 Jul 2026

NETSOL Technologies Added to Russell 3000E and Russell Microcap Indexes

ENCINO, Calif., July 13, 2026 (GLOBE NEWSWIRE) -- NETSOL Technologies, Inc. (Nasdaq: NTWK), a provider of AI-enabled solutions and services powering OEMs, dealerships and financial institutions to sell, finance and lease assets, today confi…

Yahoo Finance ue, 30 Jun 2026

NETSOL Technologies strengthens Board with election of four new directors at 2026 Annual Meeting

Richard Howard, Aamir Ibrahim, Naeem Ghauri and Asad Ghauri join the Board, bringing decades of senior executive experience in asset finance, automotive, digital services and global enterprise leadershipENCINO, Calif., June 30, 2026 (GLOBE …

Yahoo Finance Wed, 24 Jun 2026

NETSOL Technologies partners with Applicon Financial Solutions to accelerate Nordic expansion

ENCINO, Calif., June 24, 2026 (GLOBE NEWSWIRE) -- NETSOL Technologies, Inc. (Nasdaq: NTWK), a provider of AI-enabled solutions and services powering OEMs, dealerships and financial institutions to sell, finance and lease assets, today annou…

Yahoo Finance Fri, 22 May 2026

NETSOL Q3 Earnings Decline Y/Y Despite Record-High Revenue Growth

NTWK posts record Q3 revenues as AI-driven finance solutions and recurring subscription growth boost margins and reaffirm FY2026 guidance.

NTWK — Frequently Asked Questions

What is the current share price of NetSol Technologies, Inc. (NTWK)?

As of 2026-09-19 21:16 PDT, NetSol Technologies, Inc. (NTWK) trades at $4.00 on NasdaqCM. Its 52-week range is $2.80 to $5.22.

What is the market capitalisation of NTWK?

NetSol Technologies, Inc. (NTWK) has a market capitalisation of $47.51M on NasdaqCM.

What is the P/E ratio of NTWK?

NTWK trades at a trailing price-to-earnings (P/E) ratio of 26.67. The industry average P/E is 29.22. Its price-to-book (P/B) ratio is 1.39.

What is the return on equity (ROE) of NTWK?

NTWK has a return on equity (ROE) of 11.46%. Its return on capital employed (ROCE) is 8.20%.

Is NTWK a good stock to buy?

This page provides a data-driven analysis of NetSol Technologies, Inc. (NTWK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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