Symbols / NTWK Stock $3.55 -0.14% NetSol Technologies, Inc.

Technology • Software - Application • United States • NCM
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About

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.

Stock Fundamentals
Scroll to Statements
Market Cap 41.89M Enterprise Value 39.56M Income 1.89M Sales 69.77M Book/sh 3.04 Cash/sh 1.53
Dividend Yield — Payout 0.00% Employees — IPO — P/E 22.16 Forward P/E 9.33
PEG 0.30 P/S 0.60 P/B 1.17 P/C — EV/EBITDA 7.12 EV/Sales 0.57
Quick Ratio 2.17 Current Ratio 2.32 Debt/Eq 23.38 LT Debt/Eq — EPS (ttm) 0.16 EPS next Y 0.38
EPS Growth — Revenue Growth 21.10% Earnings 2026-05-14 ROA 4.32% ROE 10.65% ROIC —
Gross Margin 48.77% Oper. Margin 6.91% Profit Margin 2.71% Shs Outstand 11.82M Shs Float 9.96M Short Float 0.28%
Short Ratio 0.94 Short Interest — 52W High 5.75 52W Low 2.32 Beta 0.89 Avg Volume 35.09K
Volume 14.41K Target Price — Recom None Prev Close $3.55 Price $3.54 Change -0.14%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$3.55
Latest analyst target
3. DCF / Fair value
$-6.29
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$3.55
Low
—
High
—
Mean
—

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2019-11-19 main Sidoti & Co. — → Not Rated $8
2016-02-23 main Taglich Brothers — → Speculative Buy $10
2014-11-18 main Taglich Brothers — → Speculative Buy $5
2013-08-27 init Sidoti & Co. — → Buy —
2013-07-19 init Maxim Group — → Buy $13
News
RSS: Latest NTWK news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-15 GHAURI NAJEEB ULLAH Chief Executive Officer — 13,527 $0.00 $0
2026-04-06 CATON MARK Director — 3,540 $0.00 $0
2026-04-06 KAZMI SYED KAUSAR Director — 3,540 $0.00 $0
2026-04-06 SMITH IAN CHARLES Director — 3,540 $0.00 $0
2026-02-19 GHAURI NAJEEB ULLAH Chief Executive Officer — 14,943 $0.00 $0
2026-02-18 GHAURI NAJEEB ULLAH Chief Executive Officer — 6,000 $3.24 $19,500
2026-01-02 CATON MARK Director — 3,961 $0.00 $0
2026-01-02 KAZMI SYED KAUSAR Director — 3,961 $0.00 $0
2026-01-02 SMITH IAN CHARLES Director — 3,961 $0.00 $0
2025-11-17 GHAURI NAJEEB ULLAH Chief Executive Officer — 7,664 $2.90 $22,679
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total Revenue
66.09
+7.65%
61.39
+17.18%
52.39
-8.48%
57.25
Operating Revenue
66.09
+7.65%
61.39
+17.18%
52.39
-8.48%
57.25
Cost Of Revenue
33.51
+4.38%
32.11
-9.50%
35.48
+5.87%
33.51
Reconciled Cost Of Revenue
33.51
+4.38%
32.11
-9.50%
35.48
+5.87%
33.51
Gross Profit
32.57
+11.23%
29.28
+73.12%
16.92
-28.74%
23.74
Operating Expense
29.07
+12.72%
25.79
+0.37%
25.70
+3.55%
24.82
Research And Development
1.28
-9.03%
1.40
-12.43%
1.60
+19.33%
1.34
Selling General And Administration
27.80
+13.97%
24.39
+1.22%
24.09
+2.64%
23.47
Selling And Marketing Expense
—
—
—
7.22
General And Administrative Expense
—
—
—
15.39
Other Gand A
—
—
—
15.39
Total Expenses
62.59
+8.10%
57.90
-5.35%
61.17
+4.88%
58.33
Operating Income
3.50
+0.23%
3.49
+139.79%
-8.78
-714.22%
-1.08
Total Operating Income As Reported
3.50
+0.23%
3.49
+139.79%
-8.78
-714.22%
-1.08
EBITDA
8.38
+37.70%
6.09
+668.95%
0.79
-87.38%
6.27
Normalized EBITDA
7.08
-2.67%
7.27
+222.13%
-5.96
-406.36%
1.94
Reconciled Depreciation
1.46
-14.99%
1.72
-46.93%
3.24
-14.89%
3.81
EBIT
6.92
+58.48%
4.37
+277.98%
-2.45
-199.73%
2.46
Total Unusual Items
1.30
+209.63%
-1.19
-117.60%
6.75
+55.93%
4.33
Total Unusual Items Excluding Goodwill
1.30
+209.63%
-1.19
-117.60%
6.75
+55.93%
4.33
Special Income Charges
—
—
—
-0.21
Net Income
2.92
+327.45%
0.68
+113.04%
-5.24
-516.07%
-0.85
Pretax Income
6.05
+87.60%
3.22
+200.17%
-3.22
-253.99%
2.09
Net Non Operating Interest Income Expense
1.00
+29.98%
0.77
+69.84%
0.45
-64.79%
1.29
Interest Expense Non Operating
0.87
-23.71%
1.14
+49.30%
0.77
+106.88%
0.37
Net Interest Income
1.00
+29.98%
0.77
+69.84%
0.45
-64.79%
1.29
Interest Expense
0.87
-23.71%
1.14
+49.30%
0.77
+106.88%
0.37
Interest Income Non Operating
1.87
-2.10%
1.91
+56.94%
1.22
-26.45%
1.66
Interest Income
1.87
-2.10%
1.91
+56.94%
1.22
-26.45%
1.66
Other Income Expense
1.55
+248.75%
-1.04
-120.34%
5.11
+171.48%
1.88
Other Non Operating Income Expenses
0.24
+64.89%
0.15
+124.46%
-0.61
-42.78%
-0.42
Gain On Sale Of Security
1.30
+209.63%
-1.19
-117.60%
6.75
+55.93%
4.33
Tax Provision
1.48
+28.88%
1.15
+23.63%
0.93
-6.31%
0.99
Tax Rate For Calcs
0.00
-31.23%
0.00
+69.05%
0.00
+0.00%
0.00
Tax Effect Of Unusual Items
0.32
+175.39%
-0.42
-129.74%
1.42
+55.93%
0.91
Net Income Including Noncontrolling Interests
4.57
+119.97%
2.08
+150.14%
-4.14
-476.50%
1.10
Net Income From Continuing Operation Net Minority Interest
2.92
+327.45%
0.68
+113.04%
-5.24
-516.07%
-0.85
Net Income From Continuing And Discontinued Operation
2.92
+327.45%
0.68
+113.04%
-5.24
-516.07%
-0.85
Net Income Continuous Operations
4.57
+119.97%
2.08
+150.14%
-4.14
-476.50%
1.10
Minority Interests
-1.65
-18.19%
-1.39
-26.82%
-1.10
+43.68%
-1.95
Normalized Income
1.94
+33.78%
1.45
+113.71%
-10.57
-147.65%
-4.27
Net Income Common Stockholders
2.92
+327.45%
0.68
+113.04%
-5.24
-516.07%
-0.85
Diluted EPS
0.25
+316.67%
0.06
+113.04%
-0.46
-475.00%
-0.08
Basic EPS
0.25
+316.67%
0.06
+113.04%
-0.46
-475.00%
-0.08
Basic Average Shares
11.58
+1.74%
11.38
+0.87%
11.28
+0.26%
11.25
Diluted Average Shares
11.58
+1.35%
11.42
+1.26%
11.28
+0.26%
11.25
Diluted NI Availto Com Stockholders
2.92
+327.45%
0.68
+113.04%
-5.24
-516.07%
-0.85
Average Dilution Earnings
0.00
0.00
—
—
Depreciation Amortization Depletion Income Statement
—
—
—
0.86
Depreciation And Amortization In Income Statement
—
—
—
0.86
Earnings From Equity Interest
—
0.00
+100.00%
-1.03
+48.89%
-2.02
Gain On Sale Of PPE
—
—
—
-0.21
Line Item Trend 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total Assets
62.44
-2.72%
64.19
+9.95%
58.38
-19.60%
72.61
Current Assets
46.32
-2.41%
47.46
+14.08%
41.60
-15.83%
49.43
Cash Cash Equivalents And Short Term Investments
17.36
-9.25%
19.13
+23.14%
15.53
-35.18%
23.96
Cash And Cash Equivalents
17.36
-9.25%
19.13
+23.14%
15.53
-35.18%
23.96
Receivables
26.17
+0.68%
25.99
+7.48%
24.18
+3.96%
23.26
Accounts Receivable
7.53
-42.32%
13.05
+11.40%
11.71
+35.13%
8.67
Gross Accounts Receivable
7.88
-41.38%
13.45
+10.83%
12.13
+37.34%
8.84
Allowance For Doubtful Accounts Receivable
-0.36
+10.87%
-0.40
+5.13%
-0.42
-152.87%
-0.17
Other Receivables
18.64
+44.02%
12.94
+3.79%
12.47
-14.55%
14.59
Prepaid Assets
2.48
+25.15%
1.98
+17.19%
1.69
-11.86%
1.92
Other Current Assets
0.32
-12.95%
0.36
+84.38%
0.20
-31.11%
0.29
Total Non Current Assets
16.12
-3.60%
16.72
-0.31%
16.78
-27.63%
23.18
Net PPE
5.88
-8.59%
6.44
-12.00%
7.31
-29.36%
10.35
Gross PPE
19.15
+1.35%
18.90
+0.93%
18.72
-23.33%
24.42
Accumulated Depreciation
-13.27
-6.48%
-12.46
-9.21%
-11.41
+18.89%
-14.07
Properties
0.00
0.00
0.00
0.00
Land And Improvements
0.89
-2.06%
0.91
+3.16%
0.89
-28.47%
1.24
Buildings And Improvements
3.53
-1.95%
3.60
+3.00%
3.50
-27.41%
4.82
Machinery Furniture Equipment
13.70
+6.63%
12.85
-1.06%
12.98
-24.60%
17.22
Construction In Progress
—
—
—
—
Other Properties
0.81
-39.07%
1.33
+15.37%
1.15
+18.82%
0.97
Leases
0.22
+5.25%
0.21
+0.53%
0.21
+16.93%
0.18
Goodwill And Other Intangible Assets
9.30
+0.00%
9.30
-1.36%
9.43
-13.40%
10.89
Goodwill
9.30
+0.00%
9.30
+0.00%
9.30
+0.00%
9.30
Other Intangible Assets
—
—
0.13
-91.94%
1.59
Investments And Advances
—
—
0.03
-97.60%
1.06
Non Current Accounts Receivable
0.90
-5.27%
0.95
—
0.85
Other Non Current Assets
0.03
-0.03%
0.03
+0.04%
0.03
+26.54%
0.03
Total Liabilities Net Minority Interest
20.18
-18.14%
24.65
+14.15%
21.60
-0.72%
21.75
Current Liabilities
19.71
-17.41%
23.87
+14.92%
20.77
-0.30%
20.83
Payables And Accrued Expenses
8.01
-2.69%
8.23
+25.64%
6.55
-3.84%
6.81
Payables
2.20
-12.76%
2.52
+34.27%
1.87
-1.80%
1.91
Accounts Payable
0.98
-31.22%
1.43
+27.99%
1.11
-5.16%
1.18
Other Payable
0.28
+18.15%
0.24
-38.94%
0.39
+56.98%
0.25
Current Accrued Expenses
5.82
+1.74%
5.72
+22.18%
4.68
-4.63%
4.91
Total Tax Payable
0.93
+9.49%
0.85
+132.31%
0.37
-24.19%
0.48
Current Debt And Capital Lease Obligation
8.67
+25.99%
6.88
+9.54%
6.28
-31.06%
9.12
Current Debt
8.20
+31.90%
6.21
+10.84%
5.61
-32.80%
8.34
Other Current Borrowings
0.12
-77.74%
0.54
+420.42%
0.10
-54.33%
0.23
Current Capital Lease Obligation
0.48
-28.87%
0.67
-1.21%
0.68
-12.23%
0.77
Current Deferred Liabilities
3.03
-65.38%
8.75
+10.34%
7.93
+61.83%
4.90
Current Deferred Revenue
3.03
-65.38%
8.75
+10.34%
7.93
+61.83%
4.90
Total Non Current Liabilities Net Minority Interest
0.47
-40.35%
0.78
-5.30%
0.83
-10.29%
0.92
Long Term Debt And Capital Lease Obligation
0.47
-40.35%
0.78
-5.30%
0.83
-10.29%
0.92
Long Term Debt
—
—
—
0.01
Long Term Capital Lease Obligation
0.47
-40.35%
0.78
-5.30%
0.83
-9.03%
0.91
Stockholders Equity
37.83
+8.60%
34.84
+3.05%
33.81
-25.54%
45.40
Common Stock Equity
37.83
+8.60%
34.84
+3.05%
33.81
-25.54%
45.40
Capital Stock
0.13
+2.76%
0.12
+0.61%
0.12
+0.72%
0.12
Common Stock
0.13
+2.76%
0.12
+0.61%
0.12
+0.72%
0.12
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
12.70
+2.76%
12.36
+0.61%
12.28
+0.72%
12.20
Ordinary Shares Number
11.76
+2.98%
11.42
+0.66%
11.35
+0.78%
11.26
Treasury Shares Number
0.94
+0.00%
0.94
+0.00%
0.94
+0.00%
0.94
Additional Paid In Capital
129.53
+0.58%
128.78
+0.24%
128.48
+0.20%
128.22
Retained Earnings
-41.29
+6.61%
-44.21
+1.52%
-44.90
-13.22%
-39.65
Gains Losses Not Affecting Retained Earnings
-46.61
-1.48%
-45.94
+0.09%
-45.98
-16.80%
-39.36
Treasury Stock
3.92
+0.00%
3.92
+0.00%
3.92
+0.00%
3.92
Minority Interest
4.43
-5.73%
4.69
+57.79%
2.98
-45.42%
5.45
Other Equity Adjustments
-46.61
-1.48%
-45.94
+0.09%
-45.98
-16.80%
-39.36
Total Equity Gross Minority Interest
42.26
+6.90%
39.53
+7.48%
36.78
-27.67%
50.85
Total Capitalization
37.83
+8.60%
34.84
+3.05%
33.81
-25.56%
45.42
Working Capital
26.61
+12.77%
23.59
+13.24%
20.83
-27.14%
28.60
Invested Capital
46.03
+12.12%
41.05
+4.16%
39.41
-26.69%
53.76
Total Debt
9.14
+19.20%
7.67
+7.81%
7.11
-29.15%
10.04
Capital Lease Obligations
0.94
-35.06%
1.45
-3.46%
1.51
-10.50%
1.68
Net Tangible Assets
28.53
+11.73%
25.54
+4.76%
24.38
-29.37%
34.51
Tangible Book Value
28.53
+11.73%
25.54
+4.76%
24.38
-29.37%
34.51
Duefrom Related Parties Current
—
—
—
0.00
Line Of Credit
8.08
+42.27%
5.68
+3.16%
5.50
-32.20%
8.12
Non Current Note Receivables
—
—
—
0.00
Line Item Trend 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Operating Cash Flow
0.45
-84.63%
2.91
+44.78%
2.01
-34.34%
3.06
Cash Flow From Continuing Operating Activities
0.45
-84.63%
2.91
+44.78%
2.01
-34.34%
3.06
Net Income From Continuing Operations
4.57
+119.97%
2.08
+150.14%
-4.14
-476.50%
1.10
Depreciation Amortization Depletion
1.46
-14.99%
1.72
-46.93%
3.24
-14.89%
3.81
Depreciation
1.46
—
2.07
—
Amortization Cash Flow
—
—
1.17
—
Depreciation And Amortization
1.46
-14.99%
1.72
-46.93%
3.24
-14.89%
3.81
Amortization Of Intangibles
—
—
1.17
—
Stock Based Compensation
0.21
-32.55%
0.31
-2.80%
0.32
+204.23%
0.10
Provisionand Write Offof Assets
0.47
+1702.82%
-0.03
-101.71%
1.70
+7180.42%
0.02
Asset Impairment Charge
—
0.00
-100.00%
2.11
-5.46%
2.24
Operating Gains Losses
-0.07
+31.91%
-0.10
-616.53%
0.02
-90.39%
0.21
Change In Working Capital
-6.19
-479.93%
-1.07
+14.14%
-1.24
+71.87%
-4.42
Change In Receivables
0.25
+107.89%
-3.11
+41.87%
-5.35
+22.99%
-6.94
Changes In Account Receivables
5.45
+386.65%
-1.90
+72.27%
-6.86
-21.02%
-5.67
Change In Payables And Accrued Expense
-0.20
-112.24%
1.61
+127.08%
0.71
-36.70%
1.12
Change In Other Working Capital
-6.26
-1069.80%
0.65
-81.69%
3.52
+278.35%
0.93
Change In Other Current Assets
0.02
+107.03%
-0.22
-65.47%
-0.13
-127.94%
0.47
Investing Cash Flow
-1.27
-337.29%
-0.29
+79.16%
-1.40
+38.09%
-2.26
Cash Flow From Continuing Investing Activities
-1.27
-337.29%
-0.29
+79.16%
-1.40
+38.09%
-2.26
Net PPE Purchase And Sale
-1.27
-334.24%
-0.29
+79.16%
-1.40
+38.09%
-2.26
Purchase Of PPE
-1.38
-168.29%
-0.52
+68.56%
-1.64
+37.17%
-2.61
Sale Of PPE
0.12
-47.83%
0.22
-6.80%
0.24
-31.18%
0.35
Capital Expenditure
-1.38
-168.29%
-0.52
+68.56%
-1.64
+37.17%
-2.61
Net Business Purchase And Sale
-0.01
0.00
—
0.00
Purchase Of Business
-0.01
0.00
—
0.00
Financing Cash Flow
0.82
+243.51%
0.24
+133.32%
-0.72
+47.85%
-1.38
Cash Flow From Continuing Financing Activities
0.82
+243.51%
0.24
+133.32%
-0.72
+47.85%
-1.38
Net Issuance Payments Of Debt
2.15
+796.10%
0.24
+136.41%
-0.66
-100.41%
-0.33
Issuance Of Debt
2.92
+285.79%
0.76
+180.04%
0.27
-71.30%
0.94
Repayment Of Debt
-0.77
-49.51%
-0.52
+44.26%
-0.93
+26.92%
-1.27
Long Term Debt Issuance
2.92
+285.79%
0.76
+180.04%
0.27
-71.30%
0.94
Long Term Debt Payments
-0.77
-49.51%
-0.52
+44.26%
-0.93
+26.92%
-1.27
Net Long Term Debt Issuance
2.15
+796.10%
0.24
+136.41%
-0.66
-100.41%
-0.33
Net Common Stock Issuance
-1.50
0.00
+100.00%
-0.06
+94.18%
-1.05
Common Stock Payments
-1.50
0.00
+100.00%
-0.06
+94.18%
-1.05
Repurchase Of Capital Stock
-1.50
0.00
+100.00%
-0.06
+94.18%
-1.05
Proceeds From Stock Option Exercised
0.49
0.00
—
—
Net Other Financing Charges
-0.31
—
—
—
Changes In Cash
-0.00
-100.17%
2.86
+2729.87%
-0.11
+81.21%
-0.58
Effect Of Exchange Rate Changes
-1.76
-339.58%
0.74
+108.85%
-8.32
+9.18%
-9.16
Beginning Cash Position
19.13
+23.14%
15.53
-35.18%
23.96
-28.90%
33.71
End Cash Position
17.36
-9.25%
19.13
+23.14%
15.53
-35.18%
23.96
Free Cash Flow
-0.94
-139.08%
2.39
+546.79%
0.37
-18.01%
0.45
Interest Paid Supplemental Data
0.84
-46.59%
1.58
+131.86%
0.68
+57.00%
0.43
Income Tax Paid Supplemental Data
1.41
+100.36%
0.70
-28.27%
0.98
-20.41%
1.23
Earnings Losses From Equity Investments
—
—
—
2.02
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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