NetSol Technologies, Inc. logo

NetSol Technologies, Inc.

NTWK

NASDAQTechnologySoftware - Application

Previous close

$4.06

+$0.03 · +0.74%

Aug 21, 4:00 PM ET

NTWK company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

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 website

NetSol 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 / TTM

Valuation & 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.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends56%29%3%-23%Gross margin, FY2021: 47.98%Gross margin, FY2022: 41.46%Gross margin, FY2023: 32.29%Gross margin, FY2024: 47.70%Gross margin, FY2025: 49.29%Operating margin, FY2021: 4.95%Operating margin, FY2022: -1.88%Operating margin, FY2023: -16.76%Operating margin, FY2024: 5.69%Operating margin, FY2025: 5.30%Net margin, FY2021: 3.24%Net margin, FY2022: -1.49%Net margin, FY2023: -10.01%Net margin, FY2024: 1.11%Net margin, FY2025: 4.42%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 47.98%. Gross margin FY2022 41.46%. Gross margin FY2023 32.29%. Gross margin FY2024 47.70%. Gross margin FY2025 49.29%. Operating margin FY2021 4.95%. Operating margin FY2022 -1.88%. Operating margin FY2023 -16.76%. Operating margin FY2024 5.69%. Operating margin FY2025 5.30%. Net margin FY2021 3.24%. Net margin FY2022 -1.49%. Net margin FY2023 -10.01%. Net margin FY2024 1.11%. Net margin FY2025 4.42%.

Income trends

Revenue

66.09M USD+7.65%

Operating income

3.5M USD+0.23%

Net income

2.92M USD+327.45%
Income trends across reported periods73.58M USD43.63M USD13.68M USD−16.27M USDRevenue, FY2021: 54.92M USDRevenue, FY2022: 57.25M USDRevenue, FY2023: 52.39M USDRevenue, FY2024: 61.39M USDRevenue, FY2025: 66.09M USDOperating income, FY2021: 2.72M USDOperating income, FY2022: −1.08M USDOperating income, FY2023: −8.78M USDOperating income, FY2024: 3.49M USDOperating income, FY2025: 3.5M USDNet income, FY2021: 1.78M USDNet income, FY2022: −851.16K USDNet income, FY2023: −5.24M USDNet income, FY2024: 683.87K USDNet income, FY2025: 2.92M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 54.92M USD. Revenue FY2022 57.25M USD. Revenue FY2023 52.39M USD. Revenue FY2024 61.39M USD. Revenue FY2025 66.09M USD. Operating income FY2021 2.72M USD. Operating income FY2022 −1.08M USD. Operating income FY2023 −8.78M USD. Operating income FY2024 3.49M USD. Operating income FY2025 3.5M USD. Net income FY2021 1.78M USD. Net income FY2022 −851.16K USD. Net income FY2023 −5.24M USD. Net income FY2024 683.87K USD. Net income FY2025 2.92M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue66.09M USD61.39M USD52.39M USD57.25M USD54.92M USD
Cost of goods sold33.51M USD32.11M USD35.48M USD33.51M USD28.57M USD
Gross profit32.57M USD29.28M USD16.92M USD23.74M USD26.35M USD
Research and development1.28M USD1.4M USD1.6M USD1.34M USD674.17K USD
Selling, general, and administrative27.8M USD24.39M USD24.09M USD22.61M USD21.99M USD
Operating expenses29.07M USD25.79M USD25.7M USD24.82M USD23.63M USD
Interest income1.87M USD1.91M USD1.22M USD1.66M USD1.02M USD
Interest expense871.36K USD1.14M USD765.03K USD369.8K USD394.29K USD
Depreciation and amortization1.46M USD1.72M USD3.24M USD3.81M USD3.96M USD
Operating income3.5M USD3.49M USD−8.78M USD−1.08M USD2.72M USD
Net income2.92M USD683.87K USD−5.24M USD−851.16K USD1.78M 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

ActualEstimate
Quarterly EPS actual values compared with estimates0.260.09-0.07-0.24Q4 '24No estimateQ1 '25MissQ2 '25MissQ3 '25BeatQ4 '25No estimateQ1 '26MissQ2 '26BeatQ3 '26Estimate
Q4 2024, reported Nov 13, 2024: actual 0.01, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 13, 2025: actual -0.1, estimate 0.07, surprise -242.86%, Miss. Q2 2025, reported May 14, 2025: actual 0.12, estimate 0.14, surprise -14.29%, Miss. Q3 2025, reported Sep 29, 2025: actual 0.22, estimate 0.13, surprise +69.23%, Beat. Q4 2025, reported Nov 12, 2025: actual -0.2, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 12, 2026: actual 0.02, estimate 0.13, surprise -84.62%, Miss. Q2 2026, reported May 14, 2026: actual 0.11, estimate 0.08, surprise +37.50%, Beat. Q3 2026, reported Sep 28, 2026: actual —, estimate 0.07, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates20.63M18.35M16.08M13.81MQ4 '24No estimateQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25No estimateQ1 '26BeatQ2 '26BeatQ3 '26Estimate
Q4 2024, reported Nov 13, 2024: actual 14.6M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 13, 2025: actual 15.54M USD, estimate 15.4M USD, surprise +0.89%, Beat. Q2 2025, reported May 14, 2025: actual 17.54M USD, estimate 16.1M USD, surprise +8.97%, Beat. Q3 2025, reported Sep 29, 2025: actual 18.41M USD, estimate 16.7M USD, surprise +10.23%, Beat. Q4 2025, reported Nov 12, 2025: actual 15.01M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 12, 2026: actual 18.81M USD, estimate 16.9M USD, surprise +11.29%, Beat. Q2 2026, reported May 14, 2026: actual 19.83M USD, estimate 15.1M USD, surprise +31.34%, Beat. Q3 2026, reported Sep 28, 2026: actual —, estimate 15.4M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

3 ratings

Limited analyst sample: 3 ratings. Interpret the distribution with caution.

Strong buy00%
Buy267%
Hold133%
Sell00%
Strong sell00%

NTWK peers

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