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Upturn AI SWOT - About
NTWK 
NetSol Technologies Inc (NTWK)
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Upturn Advisory Summary
06/30/2025: NTWK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -13.12% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 34.43M USD | Price to earnings Ratio 147 | 1Y Target Price 8 |
Price to earnings Ratio 147 | 1Y Target Price 8 | ||
Volume (30-day avg) - | Beta 1.01 | 52 Weeks Range 2.14 - 3.34 | Updated Date 06/30/2025 |
52 Weeks Range 2.14 - 3.34 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.02 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 0.41% | Operating Margin (TTM) 8.85% |
Management Effectiveness
Return on Assets (TTM) 1.14% | Return on Equity (TTM) 3.46% |
Valuation
Trailing PE 147 | Forward PE 8.79 | Enterprise Value 25096346 | Price to Sales(TTM) 0.54 |
Enterprise Value 25096346 | Price to Sales(TTM) 0.54 | ||
Enterprise Value to Revenue 0.39 | Enterprise Value to EBITDA 4.79 | Shares Outstanding 11709500 | Shares Floating 9958732 |
Shares Outstanding 11709500 | Shares Floating 9958732 | ||
Percent Insiders 20.1 | Percent Institutions 22.38 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
NetSol Technologies Inc
Company Overview
History and Background
NetSol Technologies Inc. was founded in 1996. It began as a software outsourcing company and evolved into a provider of IT and enterprise solutions, primarily for the global asset finance and leasing industry. It has expanded its presence globally through various partnerships and acquisitions.
Core Business Areas
- Leasing and Finance Solutions: NetSol offers its NFS Ascent and NFS Digital platforms, providing comprehensive solutions for lease and finance companies. This includes origination, contract management, wholesale finance, and collections.
- Digital Transformation: The company also provides services to help clients digitally transform their business processes, including cloud migration, data analytics, and mobile application development.
Leadership and Structure
Najeeb Ghauri is the CEO. The organizational structure includes departments for sales, marketing, technology, operations, and finance, with regional offices globally.
Top Products and Market Share
Key Offerings
- NFS Ascent: NFS Ascent is NetSol's flagship product, a next-generation asset finance and leasing platform designed for large, complex leasing operations. Market share data is not publicly available, but Ascent is considered a major player in the global asset finance software market. Competitors include International Decision Systems (IDS) and White Clarke Group.
- NFS Digital: NFS Digital is a suite of digital solutions designed to complement NFS Ascent, enabling online self-service portals, mobile apps, and automated workflows. Market share data is not publicly available. Competitors include various FinTech companies offering similar digital front-end solutions for finance.
Market Dynamics
Industry Overview
The asset finance and leasing software market is growing due to increasing demand for automation, digital transformation, and regulatory compliance. It is marked by a need for scalability and complex operational requirements.
Positioning
NetSol is positioned as a leading provider of enterprise-level leasing and finance software. Its competitive advantages include its comprehensive product suite, global presence, and deep industry expertise.
Total Addressable Market (TAM)
The global asset finance software market is estimated to be in the billions of USD. NetSol is positioned to capture a portion of this market through its comprehensive solutions and global reach.
Upturn SWOT Analysis
Strengths
- Comprehensive product suite (NFS Ascent and NFS Digital)
- Global presence and client base
- Deep industry expertise in asset finance and leasing
- Scalable solutions for large enterprises
Weaknesses
- Relatively small market capitalization
- Concentration of revenue from a limited number of large clients
- Potential for project delays and cost overruns
- Dependence on a specific industry sector
Opportunities
- Growing demand for digital transformation in asset finance
- Expansion into new geographic markets
- Strategic partnerships and acquisitions
- Development of new cloud-based solutions
Threats
- Intense competition from larger software vendors
- Economic downturns impacting the leasing industry
- Rapid technological changes requiring constant innovation
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- International Decision Systems (No US Stock Symbol)
- White Clarke Group (No US Stock Symbol)
- FIS (FIS)
Competitive Landscape
NetSol's advantages lie in its deep industry expertise and comprehensive product suite. Its disadvantages include its smaller size compared to larger competitors like FIS. This is the market share of the key competitors mentioned above.
Major Acquisitions
FICS (Financial Industry Computer Systems, Inc.)
- Year: 2021
- Acquisition Price (USD millions): 13
- Strategic Rationale: Expanded the Company's product and service offerings to include commercial lending and loan servicing solutions, broadened customer base, and increased recurring revenues.
Growth Trajectory and Initiatives
Historical Growth: Historically, NetSol's growth has been driven by new client acquisitions and expansion of its product offerings.
Future Projections: Future growth projections depend on various market conditions and financial analyst models.
Recent Initiatives: Recent strategic initiatives include launching new digital solutions and expanding partnerships with technology providers.
Summary
NetSol Technologies is a niche player providing specialized software for the asset finance industry. Its strengths include its deep industry expertise and comprehensive solutions. However, its smaller size and dependence on a limited number of large clients present challenges. The company must continue to innovate and expand its market reach to maintain its competitive position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Third-Party Research Reports
- Press Releases
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. It is not financial advice, and users should conduct their own research before making investment decisions. Financial data is based on estimates due to lack of real-time data access.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About NetSol Technologies Inc
Exchange NASDAQ | Headquaters Encino, CA, United States | ||
IPO Launch date 1998-09-24 | Co-Founder, Chairman & CEO Mr. Najeeb Ullah Ghauri | ||
Sector Technology | Industry Software - Application | Full time employees 1569 | Website https://www.netsoltech.com |
Full time employees 1569 | Website https://www.netsoltech.com | ||
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 the United States, North America, Europe, and Asia Pacific. The company offers NFS Ascent, a suite of financial applications for businesses in the finance and leasing industry. It also offers Omni Point of Sale, a web-based application; Self Point of Sale, a self POS portal; Mobile Point of Sale, a web and mobile-enabled platform; Contract Management System (CMS), an application for managing and maintaining credit contracts; Mobile Account, a mobile solution; Mobile Collector that allows collections teams to increase productivity; Wholesale Finance System (WFS), a system for automating and managing the lifecycle of wholesale finance; and Mobile Dealer that provides more visibility and control over inventories. In addition, the company offers Otoz Ecosystem, a state-of-the-art technology that provides open application programming interfaces; Otoz Digital Retail that helps"OEMs and dealers move into"the"digital era; and Otoz Mobility Orchestration, a comprehensive in-life subscription and rental platform. Further, it provides Appex Now, a marketplace of API-first products for the global credit, finance and leasing industry, including Flex, Hubex, Index, Dock, Lane, and T-Rate. Additionally, it offers system integration, consulting, and information technology products and services. It serves blue chip organizations, Dow-Jones 30 Industrials, Fortune 500 manufacturers, financial institutions, and vehicle manufacturers. The company was incorporated in 1997 and is headquartered in Encino, California.
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