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Upturn AI Summary - About
NetSol Technologies Inc(NTWK)
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 NTWK
11/06/2026: NTWK (3-star) is a REGULAR-BUY. BUY for 35 days. Simulated Profits (42.01%). Updated daily EoD!
NetSol Technologies is a specialized software firm primarily serving the global automotive finance and leasing industry. Its business is built on a foundation of long-term relationships with major automotive OEMs, centered around its flagship NFS Ascent platform. The company's main investment story revolves around its ongoing transition toward a recurring SaaS-based revenue model and the potential of its Otoz mobility platform. Key risks include significant customer concentration, intense competition from larger software providers, and the execution challenges inherent in scaling enterprise cloud platforms. The stock is generally better suited for investors interested in small-cap enterprise software growth stories, with a focus on monitoring platform adoption rates and revenue mix shifts.
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 potential growth through SaaS transition, though revenue scaling remains inconsistent. |
| Momentum investor | Weak fit | The stock lacks consistent upward price momentum and high-volume trading characteristic of momentum plays. |
| Value investor | Mixed fit | While the market cap is relatively low, valuation must be assessed against the sustainability of future cash flows. |
| Dividend investor | Weak fit | NetSol does not pay a dividend and focuses on reinvesting capital into product development. |
| Low-risk investor | Weak fit | Small-cap technology stocks like NTWK are subject to higher volatility and execution risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is susceptible to significant price swings due to its small market capitalization and sector focus. |
| Valuation risk | Medium | Investors face risk if growth expectations for the NFS Ascent platform are not met in a timely manner. |
| Competition risk (Enterprise Software) | High | The company competes against much larger software incumbents with deeper resources. |
| Business quality | Medium | The business model relies heavily on long-term but concentrated enterprise contracts. |
| Dividend income | Low / none | There is no dividend income for shareholders. |
| Execution risk | Medium / high | Successfully transitioning legacy clients to new cloud platforms is critical for long-term viability. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit 44% | Avg. Invested days 43 | Today’s Advisory Regular Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/06/2026 |
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 77.57M USD | Price to earnings Ratio 25.96 | 1Y Target Price 9 |
Price to earnings Ratio 25.96 | 1Y Target Price 9 | ||
Volume (30-day avg) 194.6K shares | Beta 0.9 | 52 Weeks Range 2.73 - 8.46 | Updated Date 11/08/2026 |
52 Weeks Range 2.73 - 8.46 | Updated Date 11/08/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.25 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| License and SaaS Revenue | Subscription and licensing fees for NFS Ascent and other software products. | This is the core business; it generates recurring income and is the primary driver of long-term value. |
| Services and Maintenance | IT consulting, implementation, and ongoing support services. | Provides stable, project-based cash flow while deepening relationships with large automotive clients. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-11-12 | When Before Market | Estimate 0.01 | Actual - |
Profitability
Profit Margin 3.97% | Operating Margin (TTM) 21.62% |
Management Effectiveness
Return on Assets (TTM) 6.19% | Return on Equity (TTM) 12.19% |
Valuation
Trailing PE 25.96 | Forward PE 15.11 | Enterprise Value 59.84M | Price to Sales(TTM) 1.04 |
Enterprise Value 59.84M | Price to Sales(TTM) 1.04 | ||
Enterprise Value to Revenue 0.8 | Enterprise Value to EBITDA 6.6 | Shares Outstanding 11.95M | Shares Floating 9.16M |
Shares Outstanding 11.95M | Shares Floating 9.16M | ||
Percent Insiders 24.15 | Percent Institutions 18.18 |
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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