
NetSol Technologies, Inc.
NTWKNASDAQTechnologySoftware - Application
Previous close
$4.06
+$0.03 · +0.74%
NTWK company overview
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GoAI snapshot
AI-powered factor overview
GoAI score
Hold
Wait — insufficient conviction to act
Valuation
76
Undervalued
Momentum
50
Neutral
Sentiment
69
Bullish
Risk resilience
49
Elevated Risk
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Company profile
Company websiteNetSol Technologies, Inc., established in 1997 and headquartered in Calabasas, California, is a global developer and exporter of specialized software solutions tailored for the automotive finance and leasing, banking, and broader financial services industries. The company's flagship offering is NFS Ascent, a comprehensive suite of financial applications designed for the finance and leasing sector. This suite includes modules such as Omni Point of Sale (a web-based application), the Contract Management System (CMS) for managing credit contracts, the Wholesale Finance System (WFS) for automating wholesale finance operations, and the web-enabled Dealer Auditor Access System, which integrates with WFS or other third-party systems. NetSol also provides a cloud-based version, NFS Ascent On The Cloud, alongside various NFS Digital mobile solutions including Self Point of Sale, Mobile Account, Mobile Point of Sale, Mobile Dealer, Mobile Auditor, Mobile Collector, and Mobile Field Investigator. Beyond NFS Ascent, the company offers Otoz Digital Auto-Retail, a white-labelled Software-as-a-Service (SaaS) platform; the API-centric Otoz Ecosystem; and the Otoz Platform, another white-label solution featuring Dealer Tool and Customer App portals. In addition to its robust software portfolio, NetSol delivers system integration, consulting, and diverse IT products and services. Its esteemed clientele spans the globe, encompassing blue-chip corporations, Dow-Jones 30 Industrials, Fortune 500 manufacturers and financial institutions, vehicle manufacturers, and enterprise technology providers.
- Industry
- Software - Application
- Sector
- Technology
- Headquarters
- US
- CEO
- Najeeb Ullah Ghauri
- Listed since
- Sep 25, 1998
- Employees
- 1,460
Market position
Day range
Current $4.06
52-week range
Current $4.06
- Open
- $4.03
- Previous close
- $4.03
- Volume
- 7.1K
- 0.24× average
- Average volume
- 29.34K
- Average daily volume
- Market cap
- 48.22M USD
- Beta
- 0.94
- Market reference 1
- 50-day average
- $4.3634
- -6.95% below average
- 200-day average
- $3.6953
- +9.87% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 27.79M USD
- P/E (TTM)
- 26.91×
- P/B (TTM)
- 1.29×
- P/S (TTM)
- 0.67×
- EV / EBITDA
- 3.31×
- Earnings yield
- 8.12%
- Free cash flow yield
- -2.60%
- Dividend yield
- 0.00%
Profitability & efficiency
- Gross margin
- 50.40%
- Operating margin
- 7.86%
- Net margin
- 2.45%
- Return on equity
- 7.73%
- Return on assets
- 4.68%
- Return on invested capital
- 5.15%
Financial health
- Debt / equity
- 0.25×
- Current ratio
- 2.35×
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 66.09M USD | 61.39M USD | 52.39M USD | 57.25M USD | 54.92M USD |
| Cost of goods sold | 33.51M USD | 32.11M USD | 35.48M USD | 33.51M USD | 28.57M USD |
| Gross profit | 32.57M USD | 29.28M USD | 16.92M USD | 23.74M USD | 26.35M USD |
| Research and development | 1.28M USD | 1.4M USD | 1.6M USD | 1.34M USD | 674.17K USD |
| Selling, general, and administrative | 27.8M USD | 24.39M USD | 24.09M USD | 22.61M USD | 21.99M USD |
| Operating expenses | 29.07M USD | 25.79M USD | 25.7M USD | 24.82M USD | 23.63M USD |
| Interest income | 1.87M USD | 1.91M USD | 1.22M USD | 1.66M USD | 1.02M USD |
| Interest expense | 871.36K USD | 1.14M USD | 765.03K USD | 369.8K USD | 394.29K USD |
| Depreciation and amortization | 1.46M USD | 1.72M USD | 3.24M USD | 3.81M USD | 3.96M USD |
| Operating income | 3.5M USD | 3.49M USD | −8.78M USD | −1.08M USD | 2.72M USD |
| Net income | 2.92M USD | 683.87K USD | −5.24M USD | −851.16K USD | 1.78M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 25%
- 2 beats, 6 misses, 0 met estimates
- Average EPS surprise
- -59.69%
- 8 comparable reports
- Latest EPS result
- 0.11
- Estimate 0.08 · Beat by 37.50%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Rating distribution
3 ratingsLimited analyst sample: 3 ratings. Interpret the distribution with caution.
NTWK peers
ETFs holding NTWK
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI1.65M0.00%2.3T USD0.03%$378.24+0.44%
Vanguard Extended Market ETFVXF529.65K0.00%93.7B USD0.05%$245.53+0.82%
EA Bridgeway Omni Small-Cap Value ETFBSVO280K0.01%1.71B USD0.47%$29.62+0.85%
iShares Micro-Cap ETFIWC133.68K0.01%1.53B USD0.60%$198.39+1.10%
Dimensional - US Targeted Value ETFDFAT70.21K0.00%14.66B USD0.28%$71.67+0.67%
Dimensional - US Sustainability Core 1 ETFDFSU16.14K0.00%2.35B USD0.15%$48.20+0.52%
Dimensional - US Core Equity 2 ETFDFAC6.83K0.00%49.31B USD0.17%$45.61+0.46%
Dimensional - US Core Equity 1 ETFDCOR2.56K0.00%3.51B USD0.14%$84.54+0.42%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 1.65M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
Vanguard Extended Market ETFVXF- Market value
- 529.65K
- Weight
- 0.00%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
EA Bridgeway Omni Small-Cap Value ETFBSVO- Market value
- 280K
- Weight
- 0.01%
- AUM
- 1.71B USD
- Expense ratio
- 0.47%
- Price / 1D
- $29.62+0.85%
iShares Micro-Cap ETFIWC- Market value
- 133.68K
- Weight
- 0.01%
- AUM
- 1.53B USD
- Expense ratio
- 0.60%
- Price / 1D
- $198.39+1.10%
Dimensional - US Targeted Value ETFDFAT- Market value
- 70.21K
- Weight
- 0.00%
- AUM
- 14.66B USD
- Expense ratio
- 0.28%
- Price / 1D
- $71.67+0.67%
Dimensional - US Sustainability Core 1 ETFDFSU- Market value
- 16.14K
- Weight
- 0.00%
- AUM
- 2.35B USD
- Expense ratio
- 0.15%
- Price / 1D
- $48.20+0.52%
Dimensional - US Core Equity 2 ETFDFAC- Market value
- 6.83K
- Weight
- 0.00%
- AUM
- 49.31B USD
- Expense ratio
- 0.17%
- Price / 1D
- $45.61+0.46%
Dimensional - US Core Equity 1 ETFDCOR- Market value
- 2.56K
- Weight
- 0.00%
- AUM
- 3.51B USD
- Expense ratio
- 0.14%
- Price / 1D
- $84.54+0.42%
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