NetSol Technologies, Inc.(NTWK)Earnings, Financials & Key Ratios

NTWK•NASDAQ

$3.85

$45M mkt cap·15.4× P/E·Price updated May 6, 2026

SectorTechnology IndustryApplication Software Sub-IndustryFinancial services and insurance software

AboutNetSol Technologies, Inc. designs, develops, markets, and exports software products 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 On The Cloud, a cloud-version of NFS Ascent; and NFS Digital solutions covering Self Point of Sale, Mobile Account, Mobile Point of Sale, Mobile Dealer, Mobile Auditor, Mobile Collector, and Mobile Field Investigator. The company also provides Otoz Digital Auto-Retail, a white-labelled SaaS platform; Otoz Ecosystem, an API-based architecture; and Otoz Platform, a white label platform, which includes Dealer Tool and Customer App portals. In addition, it offers system integration, consulting, and IT products and services. It serves blue chip organizations, Dow-Jones 30 Industrials, Fortune 500 manufacturers and financial institutions, vehicle manufacturers, and enterprise technology providers. The company was incorporated in 1997 and is headquartered in Calabasas, California.Show more

Revenue$66M+7.6%
EBITDA$5M-4.8%
Net Income$3M+327.5%
EPS (Diluted)0.25+316.7%
Gross Margin49.29%+3.3%
EBITDA Margin7.51%-11.6%
Operating Margin5.3%-6.9%
Net Margin4.42%+297.1%
ROE7.15%+298.8%
ROIC8.46%-8.9%
Debt/Equity0.22+11.5%
Interest Coverage4.02+31.4%

Technical→

NTWK Key Insights

NetSol Technologies, Inc. (NTWK) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Strong 5Y profit CAGR of 25.6%
✓Trading at only 1.1x book value
✓Efficient asset utilization: 1.1x turnover

✗Weaknesses

✗Negative free cash flow
✗Low quality earnings: Net income not backed by cash flow
✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

NTWK Price & Volume

NetSol Technologies, Inc. (NTWK) stock price & volume — 10-year historical chart

Loading chart...

NTWK Growth Metrics

NetSol Technologies, Inc. (NTWK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years2.62%

5 Years3.23%

3 Years4.9%

TTM12.45%

Profit CAGR

10 Years-

5 Years25.55%

3 Years-

TTM528.66%

EPS CAGR

10 Years-

5 Years25.75%

3 Years-

TTM321.3%

Return on Capital

10 Years2.2%

5 Years0%

3 Years-0.75%

Last Year8.43%

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
DSGXThe Descartes Systems Group Inc.Direct Competitor	6.12B	71.17	37.26	14.44%	22.47%	10.74%	0.01
APPFAppFolio, Inc.Direct Competitor	6.02B	167.17	43.09	19.72%	15.27%	30.9%	0.13
EPAMEPAM Systems, Inc.Direct Competitor	5.91B	107.00	13.65	0.8%	7.01%	9.97%	0.04
EXLSExlService Holdings, Inc.Direct Competitor	4.84B	30.97	20.11	13.56%	11.66%	27.16%	0.44
INFUInfuSystem Holdings, Inc.Direct Competitor	206.12M	10.14	32.71	6.36%	6.66%	16.66%	0.06
CACCCredit Acceptance CorporationProduct Competitor	5.63B	539.93	14.38	8.57%		29.39%	4.17
ALLYAlly Financial Inc.Product Competitor	13.67B	44.30	18.69	-25.75%		5.5%	1.40
WRLDWorld Acceptance CorporationProduct Competitor	751.13M	149.09	9.15	-1.46%		10.79%	1.20

Compare NTWK vs Peers

NetSol Technologies, Inc. (NTWK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs DSGX

Most directly comparable listed peer for NTWK.

Scale Benchmark

vs MSFT

Larger-name benchmark to compare NTWK against a more recognizable public peer.

Peer Set

Compare Top 5

vs DSGX, APPF, EPAM, EXLS

NTWK Income Statement

NetSol Technologies, Inc. (NTWK) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Line item	Jun'17	Jun'18	Jun'19	Jun'20	Jun'21	Jun'22	Jun'23	Jun'24	Jun'25	TTM
Sales/Revenue	65.37M	60.93M	67.82M	56.37M	54.92M	57.25M	52.39M	61.39M	66.09M	69.77M
Revenue Growth %	1.26%	-6.79%	11.31%	-16.88%	-2.58%	4.24%	-8.48%	17.18%	7.65%	12.45%
Cost of Goods Sold	36.96M	31.72M	33.37M	29.41M	28.57M	33.51M	35.48M	32.11M	33.51M	35.74M
COGS % of Revenue	56.54%	52.06%	49.21%	52.17%	52.02%	58.54%	67.71%	52.3%	50.71%	-
Gross Profit	28.41M▲ 0%	29.21M▲ 2.8%	34.45M▲ 17.9%	26.96M▼ 21.7%	26.35M▼ 2.3%	23.74M▼ 9.9%	16.92M▼ 28.7%	29.28M▲ 73.1%	32.57M▲ 11.2%	34.03M▲ 0%
Gross Margin %	43.46%	47.94%	50.79%	47.83%	47.98%	41.46%	32.29%	47.7%	49.29%	48.77%
Gross Profit Growth %	-7.77%	2.81%	17.94%	-21.72%	-2.26%	-9.93%	-28.74%	73.12%	11.23%	-
Operating Expenses	29.41M	26.15M	27.62M	25.89M	23.63M	24.82M	25.7M	25.79M	29.07M	29.82M
OpEx % of Revenue	44.99%	42.92%	40.72%	45.93%	43.03%	43.35%	49.04%	42.01%	43.99%	-
Selling, General & Admin	26.49M	23.87M	24.75M	23.59M	21.99M	22.61M	24.09M	24.39M	27.8M	28.78M
SG&A % of Revenue	40.53%	39.18%	36.49%	41.85%	40.04%	39.5%	45.99%	39.73%	42.06%	-
Research & Development	393.35K	854K	1.97M	1.47M	674.17K	1.34M	1.6M	1.4M	1.28M	1.04M
R&D % of Revenue	0.6%	1.4%	2.91%	2.61%	1.23%	2.34%	3.06%	2.28%	1.93%	-
Other Operating Expenses	50.38K	42.85K	897.8K	834.58K	965.63K	863.18K	0	0	0	0
Operating Income	-1M▲ 0%	3.05M▲ 405.1%	6.83M▲ 123.5%	1.07M▼ 84.3%	2.72M▲ 154.2%	-1.08M▼ 139.6%	-8.78M▼ 714.2%	3.49M▲ 139.8%	3.5M▲ 0.2%	4.21M▲ 0%
Operating Margin %	-1.53%	5.01%	10.07%	1.9%	4.95%	-1.88%	-16.76%	5.69%	5.3%	6.03%
Operating Income Growth %	-115.89%	405.12%	123.51%	-84.32%	154.2%	-139.63%	-714.22%	139.79%	0.23%	-
EBITDA	5.56M	8.63M	11.25M	4.8M	6.68M	2.73M	-5.54M	5.22M	4.97M	5.26M
EBITDA Margin %	8.51%	14.16%	16.59%	8.52%	12.16%	4.78%	-10.57%	8.49%	7.51%	7.54%
EBITDA Growth %	-58.67%	55.16%	30.4%	-57.32%	39.04%	-59.06%	-302.47%	194.22%	-4.79%	121.98%
D&A (Non-Cash Add-back)	6.56M	5.57M	4.42M	3.73M	3.96M	3.81M	3.24M	1.72M	1.46M	1.05M
EBIT	-494.44K	8.45M	13.39M	2.68M	3.68M	2.46M	-2.45M	4.37M	3.5M	5M
Net Interest Income	-130.32K	169.83K	643.26K	1.22M	623.14K	1.29M	452.82K	769.09K	999.68K	301.71K
Interest Income	179.72K	592.15K	955.06K	1.57M	1.02M	1.66M	1.22M	1.91M	1.87M	1.06M
Interest Expense	310.04K	422.33K	311.8K	346.86K	394.29K	369.8K	765.03K	1.14M	871.36K	375.09K
Other Income/Expense	196.73K	4.97M	6.25M	1.26M	567.4K	3.17M	5.56M	-270.11K	2.55M	1.69M
Pretax Income	-804.49K▲ 0%	8.02M▲ 1097.3%	13.08M▲ 63.0%	2.33M▼ 82.2%	3.29M▲ 40.9%	2.09M▼ 36.4%	-3.22M▼ 254.0%	3.22M▲ 200.2%	6.05M▲ 87.6%	5.89M▲ 0%
Pretax Margin %	-1.23%	13.17%	19.28%	4.14%	5.99%	3.65%	-6.14%	5.25%	9.15%	8.45%
Income Tax	931.95K	873.03K	1.06M	1.14M	1.03M	988.94K	926.56K	1.15M	1.48M	650.49K
Effective Tax Rate %	-115.84%	10.88%	8.09%	48.91%	31.22%	47.32%	-28.79%	35.54%	24.41%	11.03%
Net Income	-4.98M▲ 0%	4.31M▲ 186.5%	12.02M▲ 179.0%	937.08K▼ 92.2%	1.78M▲ 89.8%	-851.16K▼ 147.9%	-5.24M▼ 516.1%	683.87K▲ 113.0%	2.92M▲ 327.5%	3.56M▲ 0%
Net Margin %	-7.62%	7.07%	17.72%	1.66%	3.24%	-1.49%	-10.01%	1.11%	4.42%	5.11%
Net Income Growth %	-246.29%	186.52%	179.03%	-92.2%	89.77%	-147.86%	-516.07%	113.04%	327.45%	528.66%
Net Income (Continuing)	-1.74M	7.15M	12.02M	1.19M	2.26M	1.1M	-4.14M	2.08M	4.57M	3.32M
Discontinued Operations	0	0	0	0	0	0	0	0	0	0
Minority Interest	14.8M	14.15M	8.41M	6.49M	7.22M	5.45M	2.98M	4.69M	4.43M	6M
EPS (Diluted)	-0.46▲ 0%	0.38▲ 182.6%	1.03▲ 171.1%	0.08▼ 92.3%	0.15▲ 88.7%	-0.08▼ 150.5%	-0.46▼ 507.7%	0.06▲ 113.0%	0.25▲ 316.7%	0.30▲ 0%
EPS Growth %	-243.75%	182.61%	171.05%	-92.28%	88.68%	-150.47%	-507.66%	113.04%	316.67%	321.3%
EPS (Basic)	-0.46	0.38	1.04	0.08	0.15	-0.08	-0.46	0.06	0.25	-
Diluted Shares Outstanding	10.91M	11.2M	11.62M	11.78M	11.5M	11.25M	11.28M	11.42M	11.58M	11.81M
Basic Shares Outstanding	10.82M	11.2M	11.6M	11.73M	11.5M	11.25M	11.28M	11.38M	11.58M	11.8M
Dividend Payout Ratio	-	-	-	-	-	-	-	-	-	-

NTWK Balance Sheet

NetSol Technologies, Inc. (NTWK) balance sheet — assets, liabilities & shareholders' equity

Line item	Jun'17	Jun'18	Jun'19	Jun'20	Jun'21	Jun'22	Jun'23	Jun'24	Jun'25	TTM
Total Current Assets	44.27M	57.35M	54.59M	51.9M	55.58M	49.43M	41.6M	47.46M	46.32M	46.41M
Cash & Short-Term Investments	14.17M	22.09M	17.37M	20.17M	33.71M	23.96M	15.53M	19.13M	17.36M	18.13M
Cash Only	14.17M	22.09M	17.37M	20.17M	33.71M	23.96M	15.53M	19.13M	17.36M	18.13M
Short-Term Investments	0	0	0	0	0	0	0	0	0	0
Accounts Receivable	28.02M	33.1M	34.85M	29.9M	19.01M	23.24M	24.09M	25.73M	25.76M	7.78M
Days Sales Outstanding	156.44	198.31	187.54	193.62	126.32	148.18	167.84	153	142.26	79.85
Inventory	0	0	1.97M	1.71M	0	1.92M	1.69M	-559.25K	0	0
Days Inventory Outstanding	-	-	21.59	21.17	-	20.88	17.38	-	-	-
Other Current Assets	2.07M	4.16M	586.33K	-916.59K	223.6K	-1.08M	-1.01M	1.55M	3.2M	20.5M
Total Non-Current Assets	55.41M	42.42M	32.91M	36.58M	31.03M	23.18M	16.78M	16.72M	16.12M	16.27M
Property, Plant & Equipment	20.37M	16.17M	12.1M	13.69M	13.44M	10.35M	7.31M	6.44M	5.88M	6.2M
Fixed Asset Turnover	3.21x	3.77x	5.61x	4.12x	4.09x	5.53x	7.16x	9.54x	11.23x	11.81x
Goodwill	9.52M	9.52M	9.52M	9.52M	9.52M	9.3M	9.3M	9.3M	9.3M	9.3M
Intangible Assets	17.04M	12.25M	7.33M	5.39M	3.9M	1.59M	127.93K	0	0	0
Long-Term Investments	3.06M	3.22M	2.65M	2.39M	3.16M	1.06M	25.4K	979.42K	903.77K	2.48M
Other Non-Current Assets	4.08M	862.12K	23.57K	41.99K	55.13K	879.15K	6.93K	6.94K	32.33K	841.94K
Total Assets	99.68M▲ 0%	99.77M▲ 0.1%	87.5M▼ 12.3%	88.47M▲ 1.1%	86.61M▼ 2.1%	72.61M▼ 16.2%	58.38M▼ 19.6%	64.19M▲ 9.9%	62.44M▼ 2.7%	62.69M▲ 0%
Asset Turnover	0.66x	0.61x	0.78x	0.64x	0.63x	0.79x	0.90x	0.96x	1.06x	1.14x
Asset Growth %	6.78%	0.1%	-12.31%	1.12%	-2.11%	-16.16%	-19.6%	9.95%	-2.72%	-5.03%
Total Current Liabilities	21.12M	22.51M	20.45M	20.12M	23.48M	20.83M	20.77M	23.87M	19.71M	20M
Accounts Payable	1.47M	1.67M	1.16M	1.35M	1.07M	1.18M	1.11M	1.43M	8.01M	0
Days Payables Outstanding	14.48	19.17	12.65	16.77	13.64	12.8	11.47	16.22	87.25	8.41
Short-Term Debt	10.22M	8.6M	6.91M	10.25M	11.22M	8.34M	5.61M	6.21M	8.24M	9.05M
Deferred Revenue (Current)	3.93M	5.95M	5.98M	4.1M	4.56M	4.9M	7.93M	8.75M	3.03M	12.36M
Other Current Liabilities	4.62M	5.68M	5.25M	88.32K	1.18M	4.09M	759.29K	455.6K	0	8.06M
Current Ratio	2.10x	2.55x	2.67x	2.58x	2.37x	2.37x	2.00x	1.99x	2.35x	2.35x
Quick Ratio	2.10x	2.55x	2.57x	2.50x	2.37x	2.28x	1.92x	2.01x	2.35x	2.35x
Cash Conversion Cycle	-	-	196.48	198.03	-	156.25	173.75	-	-	71.44
Total Non-Current Liabilities	366.76K	330.6K	564.57K	2.88M	1.26M	923.48K	828.42K	784.52K	467.98K	751.75K
Long-Term Debt	0	0	67.13K	1.36M	651.23K	12.87K	0	0	134.61K	751.75K
Capital Lease Obligations	366.76K	330.6K	497.44K	1.52M	612.87K	910.62K	828.42K	784.52K	333.37K	1.37M
Deferred Tax Liabilities	0	0	0	0	0	0	0	0	0	0
Other Non-Current Liabilities	0	0	0	0	0	0	0	0	0	-224.42K
Total Liabilities	21.48M	22.84M	21.01M	23M	24.74M	21.75M	21.6M	24.65M	20.18M	20.75M
Total Debt	10.59M	8.93M	7.47M	14.54M	13.49M	10.04M	7.11M	7.67M	9.14M	9.8M
Net Debt	-3.58M	-13.16M	-9.9M	-5.63M	-20.22M	-13.92M	-8.42M	-11.46M	-8.22M	-8.33M
Debt / Equity	0.14x	0.12x	0.11x	0.22x	0.22x	0.20x	0.19x	0.19x	0.22x	0.22x
Debt / EBITDA	1.90x	1.03x	0.66x	3.03x	2.02x	3.67x	-	1.47x	1.84x	1.86x
Net Debt / EBITDA	-0.64x	-1.53x	-0.88x	-1.17x	-3.03x	-5.09x	-	-2.20x	-1.65x	-1.65x
Interest Coverage	-3.23x	7.23x	21.90x	3.09x	6.90x	-2.92x	-11.48x	3.06x	4.02x	13.34x
Total Equity	78.19M▲ 0%	76.94M▼ 1.6%	66.48M▼ 13.6%	65.48M▼ 1.5%	61.87M▼ 5.5%	50.85M▼ 17.8%	36.78M▼ 27.7%	39.53M▲ 7.5%	42.26M▲ 6.9%	41.94M▲ 0%
Equity Growth %	0.71%	-1.61%	-13.59%	-1.51%	-5.52%	-17.8%	-27.67%	7.48%	6.9%	16.36%
Book Value per Share	7.17	6.87	5.72	5.56	5.38	4.52	3.26	3.46	3.65	3.55
Total Shareholders' Equity	63.39M	62.79M	58.07M	58.99M	54.65M	45.4M	33.81M	34.84M	37.83M	35.94M
Common Stock	112.25K	117.08K	119.12K	121.22K	121.82K	121.97K	122.85K	123.6K	127.01K	127.53K
Retained Earnings	-42.3M	-37.99M	-35.21M	-34.27M	-38.8M	-39.65M	-44.9M	-44.21M	-41.29M	-43.4M
Treasury Stock	-454.31K	-1.21M	-1.46M	-1.46M	-3.82M	-3.92M	-3.92M	-3.92M	-3.92M	0
Accumulated OCI	-18.07M	-24.39M	-33.13M	-34.09M	-31.87M	-39.36M	-45.98M	-45.94M	-46.61M	0
Minority Interest	14.8M	14.15M	8.41M	6.49M	7.22M	5.45M	2.98M	4.69M	4.43M	6M

NTWK Cash Flow Statement

NetSol Technologies, Inc. (NTWK) cash flow — operating, investing & free cash flow history

Line item	Jun'17	Jun'18	Jun'19	Jun'20	Jun'21	Jun'22	Jun'23	Jun'24	Jun'25	TTM
Cash from Operations	454.37K	15.71M	4.93M	3.97M	15.73M	3.06M	2.01M	2.91M	447.27K	447.27K
Operating CF Margin %	0.7%	25.79%	7.27%	7.05%	28.63%	5.35%	3.84%	4.74%	0.68%	-
Operating CF Growth %	-72.61%	3358.52%	-68.61%	-19.48%	295.88%	-80.54%	-34.34%	44.78%	-84.63%	2.01%
Net Income	-1.74M	7.15M	12.02M	937.08K	2.26M	1.1M	-4.14M	2.08M	4.57M	3.56M
Depreciation & Amortization	6.56M	5.57M	4.42M	3.73M	3.96M	3.81M	3.24M	1.72M	1.46M	1.35M
Stock-Based Compensation	2.76M	1.86M	1.13M	0	342.15K	104.35K	317.45K	308.57K	208.12K	319.38K
Deferred Taxes	0	-2.84M	0	0	0	0	0	0	0	0
Other Non-Cash Items	4.2M	3.73M	1.28M	1.83M	-356.29K	2.46M	3.84M	-131K	397.61K	926.98K
Working Capital Changes	-8.57M	241.23K	-13.92M	-2.53M	9.52M	-4.42M	-1.24M	-1.07M	-6.19M	-6.25M
Change in Receivables	5.1M	-10.47M	-2.81M	846.44K	6.86M	-5.67M	-6.86M	-1.9M	245.29K	-7.12M
Change in Inventory	0	0	47.82K	0	-474.1K	-1.12M	-709.76K	0	0	0
Change in Payables	751.84K	1.65M	-47.82K	-1.4M	474.1K	1.12M	709.76K	1.61M	-197.31K	685.93K
Cash from Investing	-2.73M	-3.69M	-3.65M	-2.05M	-2.52M	-2.26M	-1.4M	-291.54K	-1.27M	-1.5M
Capital Expenditures	-2.2M	-2.45M	-2.73M	-1.38M	-2.55M	-2.61M	-1.64M	-515.4K	-1.38M	-1.67M
CapEx % of Revenue	3.37%	4.02%	4.02%	2.44%	4.65%	4.56%	3.13%	0.84%	2.09%	-
Acquisitions	781.02K	-33.99K	-567.5K	16.75K	-155.5K	-601.29K	179.08K	0	0	8.88K
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	581.02K	-1.92M	-355.62K	-600K	188.23K	950.35K	61.12K	223.87K	107.91K	165.29K
Cash from Financing	4.38M	-1.02M	17.17K	1.7M	-1.17M	-1.38M	-718.99K	239.55K	822.88K	-1.09M
Debt Issued (Net)	5.63M	-260.86K	746.93K	3.61M	1.2M	-328.26K	-657.87K	239.55K	2.15M	-2.39M
Equity Issued (Net)	-38.88K	-750.71K	-250.94K	11.62K	-1000K	-1000K	-61.12K	0	-1000K	64.15K
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-38.88K	-750.71K	-250.94K	0	-2.36M	-1.05M	-61.12K	0	-1.5M	0
Other Financing	-1.21M	-5.19K	-478.82K	-1.92M	0	0	0	0	-306.8K	1.66M
Net Change in Cash	2.62M▲ 0%	7.92M▲ 202.7%	-4.72M▼ 159.7%	2.8M▲ 159.3%	13.54M▲ 383.4%	-9.74M▼ 172.0%	-8.43M▲ 13.5%	3.59M▲ 142.6%	-1.77M▼ 149.2%	-3.14M▲ 0%
Free Cash Flow	-1.75M▲ 0%	13.26M▲ 858.5%	2.21M▼ 83.4%	2.6M▲ 17.6%	13.17M▲ 407.6%	451.42K▼ 96.6%	370.13K▼ 18.0%	2.39M▲ 546.8%	-935.5K▼ 139.1%	-1.04M▲ 0%
FCF Margin %	-2.68%	21.77%	3.25%	4.6%	23.99%	0.79%	0.71%	3.9%	-1.42%	-1.49%
FCF Growth %	-4.29%	858.5%	-83.36%	17.61%	407.64%	-96.57%	-18.01%	546.79%	-139.08%	-148.05%
FCF per Share	-0.16	1.18	0.19	0.22	1.15	0.04	0.03	0.21	-0.08	-0.08
FCF Conversion (FCF/Net Income)	-0.09x	3.65x	0.41x	4.24x	8.84x	-3.60x	-0.38x	4.25x	0.15x	-0.29x
Interest Paid	225.64K	390.65K	293.97K	0	455.65K	433.08K	679.92K	1.58M	841.96K	504.54K
Taxes Paid	195.73K	700.13K	848.5K	0	601.7K	1.23M	982.73K	704.87K	1.41M	-842.4K

NTWK Key Ratios

NetSol Technologies, Inc. (NTWK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM
Return on Equity (ROE)	-6.39%	5.55%	16.76%	1.42%	2.79%	-1.51%	-11.97%	1.79%	7.15%	8.5%
Return on Invested Capital (ROIC)	-1.03%	3.31%	8.51%	1.38%	4.02%	-2.06%	-20.17%	9.29%	8.46%	8.46%
Gross Margin	43.46%	47.94%	50.79%	47.83%	47.98%	41.46%	32.29%	47.7%	49.29%	48.77%
Net Margin	-7.62%	7.07%	17.72%	1.66%	3.24%	-1.49%	-10.01%	1.11%	4.42%	5.11%
Debt / Equity	0.14x	0.12x	0.11x	0.22x	0.22x	0.20x	0.19x	0.19x	0.22x	0.22x
Interest Coverage	-3.23x	7.23x	21.90x	3.09x	6.90x	-2.92x	-11.48x	3.06x	4.02x	13.34x
FCF Conversion	-0.09x	3.65x	0.41x	4.24x	8.84x	-3.60x	-0.38x	4.25x	0.15x	-0.29x
Revenue Growth	1.26%	-6.79%	11.31%	-16.88%	-2.58%	4.24%	-8.48%	17.18%	7.65%	12.45%

NTWK Frequently Asked Questions

NetSol Technologies, Inc. (NTWK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

NetSol Technologies, Inc. (NTWK) reported $69.8M in revenue for fiscal year 2025. This represents a 41226% increase from $0.2M in 1998.

NetSol Technologies, Inc. (NTWK) grew revenue by 7.6% over the past year. This is steady growth.

Yes, NetSol Technologies, Inc. (NTWK) is profitable, generating $3.6M in net income for fiscal year 2025 (4.4% net margin).

Dividend & Returns

NetSol Technologies, Inc. (NTWK) has a return on equity (ROE) of 7.1%. This is below average, suggesting room for improvement.

NetSol Technologies, Inc. (NTWK) had negative free cash flow of $1.0M in fiscal year 2025, likely due to heavy capital investments.

Explore More NTWK

NetSol Technologies, Inc. (NTWK) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

→

DCA Calculator

Dollar cost averaging vs lump sum

→

Dividend History

Yield, growth, payout safety & DRIP

→

Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→