NTWK Stock Overview
NetSol Technologies, Inc. designs, develops, markets, and exports enterprise software solutions to the automobile financing and leasing, banking, and financial services industries worldwide.
NetSol Technologies Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$3.02|
|52 Week High||US$5.65|
|52 Week Low||US$2.74|
|1 Month Change||-9.91%|
|3 Month Change||-4.43%|
|1 Year Change||-34.06%|
|3 Year Change||-45.09%|
|5 Year Change||-17.26%|
|Change since IPO||-98.88%|
Recent News & Updates
NetSol GAAP EPS of $0.08, revenue of $57.25M
NetSol press release (NASDAQ:NTWK): FY GAAP EPS of $0.08. Revenue of $57.25M (+4.2% Y/Y). Annual recurring revenue (SaaS and Support) increased to $28.3 million, up by 27.6% Shares +4.8% PM.
|NTWK||US Software||US Market|
Return vs Industry: NTWK underperformed the US Software industry which returned -30% over the past year.
Return vs Market: NTWK underperformed the US Market which returned -20.3% over the past year.
|NTWK Average Weekly Movement||6.5%|
|Software Industry Average Movement||8.9%|
|Market Average Movement||6.9%|
|10% most volatile stocks in US Market||15.7%|
|10% least volatile stocks in US Market||2.8%|
Stable Share Price: NTWK is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: NTWK's weekly volatility (6%) has been stable over the past year.
About the Company
NetSol Technologies, Inc. designs, develops, markets, and exports enterprise software solutions to the automobile financing and leasing, banking, and financial services industries worldwide. The company offers NFS Ascent, a suite of financial applications for businesses in the finance and leasing industry. Its NFS Ascent constituent applications include Omni Point of Sale, a web-based application; Contract Management System (CMS), an application for managing and maintaining credit contracts; Wholesale Finance System (WFS), a system for automating and managing the lifecycle of wholesale finance; Dealer Auditor Access System, a web-based solution that could be used in conjunction with WFS or any third-party wholesale finance system; NFS Ascent deployed on The Cloud, a cloud-version of NFS Ascent; and NFS Digital comprising Self Point of Sale, Mobile Account, Mobile Point of Sale, Mobile Dealer, Mobile Auditor, Mobile Collector, and Mobile Field Investigator.
NetSol Technologies Fundamentals Summary
|NTWK fundamental statistics|
Is NTWK overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|NTWK income statement (TTM)|
|Cost of Revenue||US$30.56m|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||-0.076|
|Net Profit Margin||-1.49%|
How did NTWK perform over the long term?See historical performance and comparison
Is NTWK undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 2/6
Price-To-Sales vs Peers
Price-To-Sales vs Industry
Price-To-Sales vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for NTWK?
Other financial metrics that can be useful for relative valuation.
|What is NTWK's n/a Ratio?|
Price to Sales Ratio vs Peers
How does NTWK's PS Ratio compare to its peers?
|NTWK PS Ratio vs Peers|
|Company||PS||Estimated Growth||Market Cap|
MNDO MIND C.T.I
GVP GSE Systems
EXOD Exodus Movement
ISDR Issuer Direct
NTWK NetSol Technologies
Price-To-Sales vs Peers: NTWK is good value based on its Price-To-Sales Ratio (0.6x) compared to the peer average (1.6x).
Price to Earnings Ratio vs Industry
How does NTWK's PE Ratio compare vs other companies in the US Software Industry?
Price-To-Sales vs Industry: NTWK is good value based on its Price-To-Sales Ratio (0.6x) compared to the US Software industry average (4.4x)
Price to Sales Ratio vs Fair Ratio
What is NTWK's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PS Ratio||0.6x|
|Fair PS Ratio||n/a|
Price-To-Sales vs Fair Ratio: Insufficient data to calculate NTWK's Price-To-Sales Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of NTWK when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: NTWK ($3.02) is trading above our estimate of fair value ($1.21)
Significantly Below Fair Value: NTWK is trading above our estimate of fair value.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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How is NetSol Technologies forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Software industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as NetSol Technologies has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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- Examine NetSol Technologies's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
How has NetSol Technologies performed over the past 5 years?
Past Performance Score0/6
Past Performance Score 0/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: NTWK is currently unprofitable.
Growing Profit Margin: NTWK is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: NTWK is unprofitable, but has reduced losses over the past 5 years at a rate of 11.4% per year.
Accelerating Growth: Unable to compare NTWK's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: NTWK is unprofitable, making it difficult to compare its past year earnings growth to the Software industry (14.5%).
Return on Equity
High ROE: NTWK has a negative Return on Equity (2.16%), as it is currently unprofitable.
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How is NetSol Technologies's financial position?
Financial Health Score4/6
Financial Health Score 4/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: NTWK's short term assets ($49.4M) exceed its short term liabilities ($20.8M).
Long Term Liabilities: NTWK's short term assets ($49.4M) exceed its long term liabilities ($923.5K).
Debt to Equity History and Analysis
Debt Level: NTWK has more cash than its total debt.
Reducing Debt: NTWK's debt to equity ratio has increased from 12.6% to 17.3% over the past 5 years.
Debt Coverage: NTWK's debt is well covered by operating cash flow (34.8%).
Interest Coverage: Insufficient data to determine if NTWK's interest payments on its debt are well covered by EBIT.
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What is NetSol Technologies's current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Cash Flow Coverage
Dividend Yield vs Market
|NetSol Technologies Dividend Yield vs Market|
|Company (NetSol Technologies)||n/a|
|Market Bottom 25% (US)||1.7%|
|Market Top 25% (US)||4.7%|
|Industry Average (Software)||1.1%|
|Analyst forecast in 3 Years (NetSol Technologies)||n/a|
Notable Dividend: Unable to evaluate NTWK's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate NTWK's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if NTWK's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if NTWK's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as NTWK has not reported any payouts.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Najeeb Ghauri (68 yo)
Mr. Najeeb Ullah Ghauri co-founded NetSol Technologies, Inc. and has been its Chief Executive since October 2006. Mr. Ghauri served as the Head of NetSol Global Sales at NetSol Technologies, Inc. He served...
CEO Compensation Analysis
|Najeeb Ghauri's Compensation vs NetSol Technologies Earnings|
|Date||Total Comp.||Salary||Company Earnings|
|Jun 30 2022||n/a||n/a|
|Mar 31 2022||n/a||n/a|
|Dec 31 2021||n/a||n/a|
|Sep 30 2021||n/a||n/a|
|Jun 30 2021||US$915k||US$667k|
|Mar 31 2021||n/a||n/a|
|Dec 31 2020||n/a||n/a|
|Sep 30 2020||n/a||n/a|
|Jun 30 2020||US$846k||US$689k|
|Mar 31 2020||n/a||n/a|
|Dec 31 2019||n/a||n/a|
|Sep 30 2019||n/a||n/a|
|Jun 30 2019||US$1m||US$675k|
|Mar 31 2019||n/a||n/a|
|Dec 31 2018||n/a||n/a|
|Sep 30 2018||n/a||n/a|
|Jun 30 2018||US$1m||US$600k|
|Mar 31 2018||n/a||n/a|
|Dec 31 2017||n/a||n/a|
|Sep 30 2017||n/a||n/a|
|Jun 30 2017||US$2m||US$600k|
|Mar 31 2017||n/a||n/a|
|Dec 31 2016||n/a||n/a|
|Sep 30 2016||n/a||n/a|
|Jun 30 2016||US$719k||US$498k|
Compensation vs Market: Najeeb's total compensation ($USD914.88K) is about average for companies of similar size in the US market ($USD770.27K).
Compensation vs Earnings: Najeeb's compensation has increased whilst the company is unprofitable.
Experienced Management: NTWK's management team is seasoned and experienced (5.2 years average tenure).
Experienced Board: NTWK's board of directors are considered experienced (4.6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
|26 May 22||BuyUS$6,580||Najeeb Ghauri||Individual||2,000||US$3.29|
|19 May 22||BuyUS$15,760||Najeeb Ghauri||Individual||5,000||US$3.18|
|28 Feb 22||BuyUS$12,000||Najeeb Ghauri||Individual||3,000||US$4.00|
|11 Jan 22||SellUS$164,900||Naeem Ghauri||Individual||40,000||US$4.19|
|11 Jan 22||SellUS$42,000||Naeem Ghauri||Individual||10,000||US$4.20|
|23 Nov 21||BuyUS$16,840||Najeeb Ghauri||Individual||4,000||US$4.21|
|16 Nov 21||BuyUS$24,676||Najeeb Ghauri||Individual||4,955||US$4.98|
|01 Oct 21||BuyUS$23,150||Najeeb Ghauri||Individual||5,000||US$4.63|
|Owner Type||Number of Shares||Ownership Percentage|
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
NetSol Technologies, Inc.'s employee growth, exchange listings and data sources
- Name: NetSol Technologies, Inc.
- Ticker: NTWK
- Exchange: NasdaqCM
- Founded: 1997
- Industry: Application Software
- Sector: Software
- Implied Market Cap: US$33.998m
- Shares outstanding: 11.26m
- Website: https://www.netsoltech.com
Number of Employees
- NetSol Technologies, Inc.
- 23975 Park Sorrento
- Suite 250
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|NTWK||NasdaqCM (Nasdaq Capital Market)||Yes||Common Stock||US||USD||Sep 1998|
|NS9B||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Sep 1998|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/09/29 00:00|
|End of Day Share Price||2022/09/29 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.