Explore 3 Stock Ideas & Industry Insights Download Free Report

888-969-2592
Shopping Cart 0
countryflagCA
Login

Home CompaniesNetSol Technologies Inc

NetSol Technologies Inc

Technology Software - Application
PortfolioPortfolio WatchlistWatchlist
Company price
6.49 USD 0.02 ( 0.31%)
Last update at 2026-11-06T21:00:00Z
VOLUME
70897
Market Cap
50.12M
P/E
28.13

Momentum Score

…

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 North America, Europe, and Asia Pacific. The company provides various platforms, including Transcend Platform for digital retail and finance; Originations, an AI-powered loan origination platform; Servicing, a next-gen loan and lease servicing software; Wholesale finance; Mobility solutions; and AI labs. It provides flex, a platform for contract calculations; dock, for rapid document generation; lan, a system for asset leasing and loans; hubex, an API library; index, a lending configuration repository; Tax Engine; PayOff, a platform for early contract closures; Modifi, a platform for Contract Modification; Receive Now, an receivables management platform. The company offers advanced information security services; digital solutions; AI-powered automotive and equipment finance software; AI and ML services and gen AI solutions; digital policy and strategy. Further it provides cloud services, such as managed, cloud infrastructure, development and integrations, SAAS development, devops, and MLOPS and model management, and data engineering services. It serves automobiles, equipment, bank, captive and wholesale industries. The company was incorporated in 1997 and is headquartered in Encino, California.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
6.41
Low
6.61
High
52 Week Price Range
2.73
Low
5.75
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

NetSol Technologies provides enterprise software and IT services focused on asset finance and leasing, serving banks, captive finance companies and global automotive finance providers across the US, UK, Pakistan and other markets. Long-term growth drivers include digitization of asset finance, migration to cloud/SaaS models and geographic expansion that may support more recurring license and service revenue, making it attractive for investors seeking exposure to a niche fintech/software provider.

Key risks include customer and revenue concentration, execution risk in transitioning to SaaS, competitive pressure from larger vendors and sensitivity to currency, macroeconomic and automotive-cycle fluctuations.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
6.47
Dividend Yield
-
Revenue TTM
72.06M
Revenue Per Share
6.12
Gross Profit TTM
36.32M
Debt / Equity
0.24
ROE
11.46%
Net Debt
-8.22M
ROCE
16.19%
Diluted EPS TTM
0.15

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Income before tax 6.05M 3.22M -3.22M 2.09M 3.29M
Minority interest -1.65M -1.39M -1.10M -1.95M 7.22M
Net income 2.92M 0.68M -5.24M 1.10M 1.78M
Selling general administrative 27.80M 24.39M 24.09M 15.39M 15.44M
Selling and marketing expenses - - - 7.22M 6.56M
Gross profit 32.57M 29.28M 16.92M 23.74M 26.35M
Reconciled depreciation 1.46M 1.72M 3.24M 3.81M 3.96M
Ebit 6.92M 4.37M -9.20M -1.66M 4.47M
Ebitda 8.38M 6.09M -5.96M 2.15M 8.43M
Depreciation and amortization 1.46M 1.72M 3.24M 3.81M 3.96M
Operating income 3.50M 3.49M -8.78M -1.66M 4.47M
Other operating expenses 62.59M 57.90M 61.17M 58.33M 52.20M
Interest expense 0.87M 1.14M 0.77M 0.37M 0.39M
Tax provision 1.48M 1.15M 0.93M 0.99M 1.03M
Interest income 1.87M 1.91M 1.22M 1.66M 1.02M
Net interest income 1.00M 0.77M 0.45M 1.29M 0.62M
Income tax expense 1.48M 1.15M 0.93M 0.99M 1.03M
Total revenue 66.09M 61.39M 52.39M 57.25M 54.92M
Total operating expenses 29.07M 25.79M 25.70M 24.82M 23.63M
Cost of revenue 33.51M 32.11M 35.48M 33.51M 28.57M
Total other income expense net 2.55M -0.27M 5.11M 3.75M -1.18M
Net income from continuing ops 4.57M 2.08M -4.14M 1.10M 2.26M
Net income applicable to common shares - - -5.24M -0.85M 1.78M
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Total assets 62.44M 64.19M 58.38M 72.61M 86.61M
Intangible assets - - 0.13M 1.59M 3.90M
Other current assets 2.79M 3.16M 0.20M 0.29M 0.22M
Total liab 20.18M 24.65M 21.60M 21.75M 24.74M
Total stockholder equity 37.83M 34.84M 33.81M 45.40M 54.65M
Other current liab 7.03M 5.96M 5.44M 5.64M 5.63M
Common stock 0.13M 0.12M 0.12M 0.12M 0.12M
Capital stock 0.13M 0.12M 0.12M 0.12M 0.12M
Retained earnings -41.29M -44.21M -44.90M -39.65M -38.80M
Good will 9.30M 9.30M 9.30M 9.30M 9.52M
Other assets - - 0.01M 0.88M 1.01M
Cash 17.36M 19.13M 15.53M 23.96M 33.71M
Total current liabilities 19.71M 23.87M 20.77M 20.83M 23.48M
Current deferred revenue 3.03M 8.75M 7.93M 4.90M 4.56M
Net debt -8.22M -11.46M -8.42M -13.92M -20.22M
Short term debt 8.67M 6.88M 6.28M 9.12M 12.22M
Short long term debt 8.20M 6.21M 5.61M 8.34M 11.22M
Short long term debt total 9.14M 7.67M 7.11M 10.04M 13.49M
Other stockholder equity 125.61M 124.86M 78.58M 124.30M 125.20M
Property plant equipment - - 7.31M 10.35M 13.44M
Total current assets 46.32M 47.46M 41.60M 49.43M 55.58M
Long term investments - - 0.03M 1.06M 3.16M
Net tangible assets - - 24.38M 34.51M 41.23M
Short term investments - - - - 3.16M
Net receivables 26.17M 25.73M 24.18M 23.26M 19.01M
Long term debt - - - 0.01M 0.59M
Inventory - -0.56M 1.69M 1.92M 2.64M
Accounts payable 0.98M 1.43M 1.11M 1.18M 1.07M
Accumulated other comprehensive income -46.61M -45.94M -45.98M -39.36M -31.87M
Common stock total equity - - - - 0.12M
Non currrent assets other 0.03M 0.01M 0.01M 0.88M 0.06M
Non current assets total 16.12M 16.72M 16.78M 23.18M 31.03M
Capital lease obligations 0.94M 1.45M 1.51M 1.68M 1.68M
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Investments -1.27M -0.29M -1.40M -2.26M -0.16M
Change to liabilities - - 4.23M 2.05M 0.68M
Total cashflows from investing activities -1.27M -0.29M -1.40M -2.26M -2.52M
Net borrowings 2.15M 0.24M -0.66M -0.33M 1.20M
Total cash from financing activities 0.82M 0.24M -0.72M -1.38M -1.17M
Change to operating activities - - -0.13M 0.47M -0.86M
Net income 4.57M 2.08M -4.14M 1.10M 2.26M
Change in cash -1.77M 3.59M -8.43M -9.74M 13.54M
Begin period cash flow 19.13M 15.53M 23.96M 33.71M 20.17M
End period cash flow 17.36M 19.13M 15.53M 23.96M 33.71M
Total cash from operating activities 0.45M 2.91M 2.01M 3.06M 15.73M
Depreciation 1.46M 1.72M 3.24M 3.81M 3.96M
Other cashflows from investing activities 0.11M 0.22M - - -
Change to account receivables 0.25M -1.90M -6.86M -5.67M 6.86M
Sale purchase of stock -1.50M 0.00M -0.06M -1.05M -2.36M
Other cashflows from financing activities -0.31M -0.29M 0.27M 0.94M 1.90M
Change to netincome - - 5.25M 4.52M 0.47M
Capital expenditures 1.38M 0.52M 1.64M 2.61M 2.55M
Change in working capital -6.19M -1.07M -1.24M -4.42M 9.52M
Stock based compensation 0.21M 0.31M 0.32M 0.10M 0.34M
Other non cash items 0.40M -0.13M 3.84M 2.46M -0.36M
Free cash flow -0.94M 2.39M 0.37M 0.45M 13.17M

Peer Comparison*

Sector: Technology Industry: Software - Application

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
NTWK
NetSol Technologies Inc		 0.02
0.31%		 6.49 28.13 8.79 0.70 1.32 0.61 4.86
SAP
SAP SE ADR		 -10.08
4.14%		 233.45 28.16 22.42 6.52 4.85 5.60 16.61
CRM
Salesforce Inc		 -8.76
3.94%		 213.65 23.41 15.55 4.79 5.56 5.55 14.88
SAPGF
SAP SE		 -7.43
3.09%		 233.00 76.28 22.88 5.61 3.84 5.59 26.18
SHOP
Shopify Inc		 5.16
3.59%		 148.91 90.18 53.19 12.70 13.17 12.23 67.86

Profile*

NetSol Technologies Inc

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 North America, Europe, and Asia Pacific. The company provides various platforms, including Transcend Platform for digital retail and finance; Originations, an AI-powered loan origination platform; Servicing, a next-gen loan and lease servicing software; Wholesale finance; Mobility solutions; and AI labs. It provides flex, a platform for contract calculations; dock, for rapid document generation; lan, a system for asset leasing and loans; hubex, an API library; index, a lending configuration repository; Tax Engine; PayOff, a platform for early contract closures; Modifi, a platform for Contract Modification; Receive Now, an receivables management platform. The company offers advanced information security services; digital solutions; AI-powered automotive and equipment finance software; AI and ML services and gen AI solutions; digital policy and strategy. Further it provides cloud services, such as managed, cloud infrastructure, development and integrations, SAAS development, devops, and MLOPS and model management, and data engineering services. It serves automobiles, equipment, bank, captive and wholesale industries. The company was incorporated in 1997 and is headquartered in Encino, California.

16000 Ventura Blvd., Encino, CA, United States, 91436

818 222 9195

https://www.netsoltech.com

1569

Name Title Year Born
Mr. Najeeb Ullah Ghauri Co-Founder, Chairman & CEO 1954
Mr. Naeem Ullah Ghauri Co-Founder, Pres and CEO of Innovation & OTOZ 1957
Mr. Roger Kent Almond CPA Chief Financial Officer 1965
Ms. Patti L. W. McGlasson Sr. VP of Legal & Corp. Affairs, Corp. Sec. and Gen. Counsel 1965
Ms. Malea Farsai Corp. Counsel & Director 1969
Mr. Salim Ullah Ghauri Founder & Chief Exec. Officer of NETSOL Technologies Ltd. Pakistan 1956
Mr. Matt Glover Investor Relations Officer NA
Mr. Boo-Ali Siddiqui FCA CFO of Netsol Technologies Ltd 1975
Mr. Asad Ullah Ghauri Pres of Asia Pacific 1977
Mr. Umar Qadri Head of Delivery & Deputy Global Head of Sales NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

Kalkine

3 Mining Stock
Ideas Report

Download a free report with stock ideas and industry insights for general information.

Download Free Report Now → sector image

Top Stocks by Market Cap*

ITH
CAD 2.15
+27.68%
HG
CAD 4.11
+19.13%
PPTA
CAD 27.74
+17.99%
UCU
CAD 2.10
+17.32%
GAU
CAD 3.49
+16.72%
TSU
CAD 29.67
-29.71%
PXT
CAD 19.73
-16.91%
LAS-A
CAD 230.50
-9.25%
IFP
CAD 13.50
-8.35%
NFI
CAD 24.01
-7.80%

Equity Sectors*

  • Basic Materials

    +3.74%

  • Communication Services

    +0.56%

  • Consumer Cyclical

    -0.34%

  • Consumer Defensive

    +0.11%

  • Energy

    +1.33%

  • Financial Services

    -0.26%

  • Healthcare

    +2.54%

  • Industrials

    -0.11%

  • Real Estate

    -0.23%

  • Technology

    +1.91%

  • Utilities

    +1.05%

Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.

Support

Hi! How can we help you today?

Loading…