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Upturn stock ratingUpturn stock rating
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NetSol Technologies Inc (NTWK)

Upturn stock ratingUpturn stock rating
$3.11
Last Close (24-hour delay)
Profit since last BUY10.68%
upturn advisory
Consider higher Upturn Star rating
BUY since 32 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
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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

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $0

1 Year Target Price $0

Analysts Price Target For last 52 week
$0Target price
Low$
Current$3.11
high$

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 stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn 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 -

ai summary icon Upturn AI SWOT

NetSol Technologies Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 1569

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.