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Upturn AI SWOT - About
NTWK 
NetSol Technologies Inc (NTWK)
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Upturn Advisory Summary
10/28/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit 6.01% | Avg. Invested days 38 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/28/2025 |
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 |
Upturn AI SWOT
NetSol Technologies Inc
Company Overview
History and Background
NetSol Technologies Inc. was founded in 1995. It has evolved from an IT services provider to a global software provider primarily serving the asset finance and leasing industry. Key milestones include expanding into international markets and developing its flagship NFS Ascent platform.
Core Business Areas
- Lease and Finance Portfolio Management Software: Develops and implements software solutions for lease and finance companies, including NFS Ascent, a comprehensive platform for managing the entire leasing lifecycle.
- IT Services: Offers IT consulting, custom software development, and system integration services to a broader range of industries, though its focus is shifting towards its core leasing and finance software business.
Leadership and Structure
Najeeb Ghauri is the Chairman and CEO. The company operates with a functional organizational structure, with departments focused on software development, sales and marketing, and customer support.
Top Products and Market Share
Key Offerings
- NFS Ascent: NFS Ascent is NetSol's flagship lease and finance portfolio management platform. Competitors include companies offering similar solutions like International Decision Systems (IDS) and Cassiopae. Data on Market Share is difficult to obtain.
- NFS Digital: A suite of digital solutions designed to enhance the customer experience in the leasing and finance industry. No market share data available. Competitors include companies offering customer engagement platforms and digital lending solutions.
Market Dynamics
Industry Overview
The asset finance and leasing software industry is experiencing growth driven by increasing demand for digital solutions, automation, and efficient portfolio management. Regulatory compliance and risk management are also key drivers.
Positioning
NetSol is a niche player focused on the asset finance and leasing industry, with a strong presence in Asia and emerging markets. Its competitive advantages lie in its industry-specific expertise and comprehensive platform.
Total Addressable Market (TAM)
The global leasing software market is projected to reach billions of dollars. NetSol is positioned to capture a portion of this market by focusing on key regions and delivering specialized solutions. Market size is estimated at ~$9 billion in 2024.
Upturn SWOT Analysis
Strengths
- Industry-specific expertise
- Comprehensive NFS Ascent platform
- Strong presence in Asia
- Established customer base
Weaknesses
- Limited brand recognition in North America and Europe
- Concentration of revenue in a few key clients
- Relatively small size compared to major competitors
Opportunities
- Expanding into new geographic markets
- Developing new digital solutions
- Acquiring complementary technologies
- Partnerships with larger technology vendors
Threats
- Intense competition from larger players
- Technological changes and disruption
- Economic downturns affecting the leasing industry
- Data security and privacy concerns
Competitors and Market Share
Key Competitors
- FIS
- IDS
- Sopra Steria
Competitive Landscape
NetSol faces competition from larger, more established players with greater resources and brand recognition. NetSol's advantages lie in its industry-specific expertise and its ability to offer customized solutions.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been volatile, with periods of rapid expansion followed by slower growth. Growth is dependent on winning large contracts and expanding into new markets.
Future Projections: Future growth is projected to be driven by the demand for digital leasing solutions and expansion into new markets.
Recent Initiatives: Recent initiatives include launching new digital solutions, expanding partnerships, and focusing on cloud-based offerings.
Summary
NetSol Technologies is a niche player in the asset finance and leasing software market with a strong presence in Asia. While its NFS Ascent platform is a competitive offering, the company faces challenges from larger competitors and relies on winning large contracts for revenue growth. The company's focus on digital solutions and expansion into new markets represents promising growth opportunities. The lack of dividend payment does not make it favorable to shareholders.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions and company performance are subject to change.
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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