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NTWK 
NetSol Technologies Inc (NTWK)
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Upturn Advisory Summary
12/02/2025: NTWK (1-star) is currently NOT-A-BUY. Pass it for now.
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 -3.17% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/02/2025 |
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 1996. It has evolved from a general IT services provider to a global provider of IT and enterprise software solutions primarily serving the asset finance and leasing industry. Key milestones include establishing a global presence and developing the NFS Ascent platform.
Core Business Areas
- NFS Ascent Platform: A comprehensive suite of solutions for the asset finance and leasing industry, covering the entire lifecycle from origination to termination.
- Managed Services: Provides IT infrastructure management, application support, and business process outsourcing services.
- Custom Development: Develops custom software solutions for clients, leveraging its industry expertise.
Leadership and Structure
Najeeb Ghauri is the current CEO. The company has a global organizational structure with offices in North America, Europe, and Asia-Pacific.
Top Products and Market Share
Key Offerings
- NFS Ascent: A leading asset finance and leasing software platform. Market share data is difficult to pinpoint, but NFS Ascent is considered a major player in the global leasing and finance software market, estimated to be valued over $15 billion. Competitors include Solifi, IDS, and Linedata. Difficult to obtain precise revenue figures for this specific product.
- NFS Digital: A suite of digital solutions designed to enhance customer experience and streamline operations in the finance and leasing industry. It leverages microservices architecture. Market share information is unavailable for this product, but it is an extension of the well established NFS Ascent platform. Competitors include various bespoke and modular digital solutions from competitors of NFS Ascent.
Market Dynamics
Industry Overview
The asset finance and leasing software market is growing, driven by increasing demand for automation, digital transformation, and regulatory compliance. The shift to cloud-based solutions is also a key trend.
Positioning
NetSol Technologies is positioned as a provider of end-to-end solutions for the asset finance and leasing industry, with a focus on its NFS Ascent platform and digital solutions. It differentiates itself through its deep industry expertise and global presence.
Total Addressable Market (TAM)
The global asset finance and leasing software market is estimated to be above $15 billion. NetSol is targeting a significant portion of the TAM with its NFS Ascent platform and digital solutions, catering to large enterprise clients.
Upturn SWOT Analysis
Strengths
- Strong industry expertise in asset finance and leasing
- Comprehensive NFS Ascent platform
- Global presence
- Long-standing relationships with key clients
Weaknesses
- Relatively small company size compared to major competitors
- Dependence on a limited number of large clients
- Potential challenges in scaling the business
Opportunities
- Growing demand for digital transformation in the asset finance and leasing industry
- Expansion into new geographies and markets
- Strategic partnerships and acquisitions
- Adoption of cloud-based solutions
Threats
- Intense competition from larger and more established players
- Economic downturns that could impact the asset finance and leasing industry
- Rapid technological changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- SOLI
- IDCC
- LNED
Competitive Landscape
NetSol has expertise in auto and equipment finance, while larger competitors have a broader range of products. Solifi, IDS and Linedata are much larger. NetSol differentiates through industry focus and end-to-end capabilities, while competitors may specialize in certain areas.
Growth Trajectory and Initiatives
Historical Growth: Historical growth would need to be quantified using financial data that is dynamically changing.
Future Projections: Future projections for NetSol Technologies Inc's growth are based on analyst estimates and require dynamically updated analyst consensus data
Recent Initiatives: Recent initiatives include the launch of new digital solutions, expansion into new markets, and strategic partnerships.
Summary
NetSol Technologies is a niche player in the asset finance and leasing software market. Its NFS Ascent platform provides a comprehensive solution, but it faces competition from larger and more established players. The company is leveraging digital transformation trends and new markets. The company's smaller size and dependence on key clients present risks, but also room for growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is approximate and based on publicly available information. Financial data is subject to change. This analysis uses dynamically changing data and requires verification with up to date sources
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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