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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
10/09/2026: NCPL (3-star) is a SELL. SELL for 4 days. Simulated Profits (-14.17%). Updated daily EoD!
Netcapital Inc is a fintech company operating an SEC-registered portal that facilitates equity crowdfunding for startups. Its business combines transaction fees from capital raises with strategic advisory services, aiming to democratize private market access for retail investors. The company's growth opportunity lies in increasing platform transaction volume and potentially developing secondary market liquidity. However, it faces significant risks including high competition, regulatory sensitivities, and valuation volatility regarding its portfolio of private equity investments. Netcapital may best suit growth-oriented investors with a high risk tolerance who are interested in the private capital market, though they should closely monitor portfolio asset valuations and regulatory updates.
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 offers exposure to the growing crowdfunding market but faces significant execution hurdles. |
| Momentum investor | Mixed fit | Momentum is highly conditional on positive regulatory developments and increased deal flow volume. |
| Value investor | Weak fit | Valuation is difficult to assess due to the illiquid nature of the equity portfolio and historical earnings volatility. |
| Dividend investor | Weak fit | The company does not pay dividends and prioritizes capital reinvestment. |
| Low-risk investor | Weak fit | The business model is inherently sensitive to market cycles and regulatory changes, leading to high volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock's price is susceptible to swings in market sentiment regarding fintech and private markets. |
| Valuation risk | High | The value of equity held in private portfolio companies is subject to significant estimation and liquidity risk. |
| Competition risk (crowdfunding) | High | Intense competition from larger or more specialized crowdfunding platforms threatens market share. |
| Business quality | Medium | While the platform model is scalable, current financial performance remains linked to the success of third-party issuers. |
| Dividend income | Low / none | Investors should not expect income generation from this stock. |
| Execution risk | Medium / high | Operational success depends on scaling the portal while maintaining strict 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 103.5% | Avg. Invested days 17 | Today’s Advisory SELL |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 10/09/2026 |
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 8.95M USD | Price to earnings Ratio - | 1Y Target Price 2.25 |
Price to earnings Ratio - | 1Y Target Price 2.25 | ||
Volume (30-day avg) 22.3M shares | Beta 1.62 | 52 Weeks Range 0.21 - 2.54 | Updated Date 10/11/2026 |
52 Weeks Range 0.21 - 2.54 | Updated Date 10/11/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -15.17 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Funding Portal Services | Transaction and success fees generated from capital raised on the platform. | The company takes a cut of the money raised by startups using its service. |
| Advisory Services | Consulting and marketing support provided to issuers. | The company earns fees for helping startups prepare for their fundraising campaigns. |
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) 12.1 |
Enterprise Value 9.32M | Price to Sales(TTM) 12.1 | ||
Enterprise Value to Revenue 12.54 | Enterprise Value to EBITDA 3.65 | Shares Outstanding 7.85M | Shares Floating 4.39M |
Shares Outstanding 7.85M | Shares Floating 4.39M | ||
Percent Insiders 44.09 | Percent Institutions 4.32 |
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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