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Upturn AI Summary - About
Netcapital Inc(NCPL)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for NCPL
10/23/2026: NCPL (1-star) is a SELL. SELL for 1 day. Simulated Profits (-40.36%). Updated daily EoD!
Netcapital Inc is a publicly traded fintech company that operates a digital funding portal for private company capital raising. The company's strengths lie in its regulatory-compliant infrastructure and status as a public entity, which offers a level of transparency not found in its private competitors. Its primary growth opportunity centers on the increasing retail demand for alternative, private-market assets. However, the company faces significant execution and competition risks, and it has yet to prove consistent long-term profitability. Netcapital may best suit investors comfortable with high volatility, as it currently lacks the dividend yield or scale to appeal to conservative portfolios.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is in an early-stage growth phase but faces significant hurdles in scaling market share. |
| Momentum investor | Weak fit | Momentum is generally low unless specific positive catalysts trigger a significant, sustained upturn in volume. |
| Value investor | Weak fit | Current financial performance makes traditional value-based assessment difficult. |
| Dividend investor | Weak fit | The company does not pay dividends and focuses entirely on growth/sustainability. |
| Low-risk investor | Weak fit | The volatility associated with small-cap fintech makes this unsuitable for low-risk portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock's limited float and micro-cap status can lead to large price swings. |
| Valuation risk | Medium / high | Determining fair value is difficult due to inconsistent earnings and the speculative nature of the business. |
| Competition risk (crowdfunding platforms) | High | Established private platforms have significant advantages in brand awareness and user liquidity. |
| Business quality | Medium | The business model is highly reliant on regulatory environments and the appetite for private market risk. |
| Dividend income | Low / none | There is no current expectation of dividend income for shareholders. |
| Execution risk | Medium / high | The company must successfully scale its user base while maintaining regulatory compliance. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Extreme Price Shocks
The stock has experienced exceptionally large and disruptive price movements during the period.
Analysis of Past Performance
Type Stock | Historic Profit 21.37% | Avg. Invested days 14 | Today’s Advisory SELL |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 10.66M USD | Price to earnings Ratio - | 1Y Target Price 2.25 |
Price to earnings Ratio - | 1Y Target Price 2.25 | ||
Volume (30-day avg) 22.2M shares | Beta 1.62 | 52 Weeks Range 0.21 - 2.66 | Updated Date 10/25/2026 |
52 Weeks Range 0.21 - 2.66 | Updated Date 10/25/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -15.17 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Funding Portal | Success fees from capital raised by issuers on the platform. | Revenue is tied to how successfully the company helps startups raise money. |
| Advisory Services | Consulting and support services for private companies. | Income is generated from providing professional guidance to business owners. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE - | Forward PE - | Enterprise Value 9.32M | Price to Sales(TTM) 14.42 |
Enterprise Value 9.32M | Price to Sales(TTM) 14.42 | ||
Enterprise Value to Revenue 12.54 | Enterprise Value to EBITDA 3.65 | Shares Outstanding 8.02M | Shares Floating 4.39M |
Shares Outstanding 8.02M | Shares Floating 4.39M | ||
Percent Insiders 43.15 | Percent Institutions 9.1 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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