NETSOL TECHNOLOGIES INC (NTWK) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does NETSOL TECHNOLOGIES INC Do?
NetSol 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. NETSOL TECHNOLOGIES INC (NTWK) is classified as a micro-cap stock in the Technology sector, specifically within the Computer Software industry. The company is led by CEO Najeeb U. Ghauri and employs approximately 1,780 people. With a market capitalization of $41M, NTWK is one of the notable companies in the Technology sector.
NETSOL TECHNOLOGIES INC (NTWK) Stock Rating — Hold (April 2026)
As of April 2026, NETSOL TECHNOLOGIES INC receives a Hold rating with a composite score of 36.0/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.NTWK ranks #1,852 out of 4,446 stocks in our coverage universe. Within the Technology sector, NETSOL TECHNOLOGIES INC ranks #204 of 584 stocks, placing it in the upper half of its Technology peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
NTWK Stock Price and 52-Week Range
NETSOL TECHNOLOGIES INC (NTWK) currently trades at $3.37. The stock gained $0.01 (0.3%) in the most recent trading session. The 52-week high for NTWK is $5.75, which means the stock is currently trading -41.4% from its annual peak. The 52-week low is $2.14, putting the stock 57.5% above its annual trough. Recent trading volume was 28K shares, suggesting relatively thin trading activity.
Is NTWK Overvalued or Undervalued? — Valuation Analysis
NETSOL TECHNOLOGIES INC (NTWK) carries a value factor score of 52/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 168.50x, compared to the Technology sector average of 45.27x — a premium of 272%. The price-to-book ratio stands at 0.97x, versus the sector average of 3.16x. The price-to-sales ratio is 0.59x, compared to 1.06x for the average Technology stock. On an enterprise value basis, NTWK trades at 77.80x EV/EBITDA, versus 12.79x for the sector.
Overall, NTWK's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.
NETSOL TECHNOLOGIES INC Profitability — ROE, Margins, and Quality Score
NETSOL TECHNOLOGIES INC (NTWK) earns a quality factor score of 10/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is -1.5%, compared to the Technology sector average of -1.4%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at -1.0% versus the sector average of -1.0%.
On a margin basis, NETSOL TECHNOLOGIES INC reports gross margins of 44.0%, compared to 50.9% for the sector. The operating margin is 0.2% (sector: -0.5%). Net profit margin stands at -1.5%, versus -1.5% for the average Technology stock. Revenue growth is running at 37.4% on a trailing basis, compared to 14.2% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.
NTWK Debt, Balance Sheet, and Financial Health
NETSOL TECHNOLOGIES INC has a debt-to-equity ratio of 1.0%, compared to the Technology sector average of 43.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 2.32x, indicating strong short-term liquidity. Total debt on the balance sheet is $386,832.
NTWK has a beta of 0.71, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for NETSOL TECHNOLOGIES INC is 52/100, reflecting average volatility within the normal range for its sector.
NETSOL TECHNOLOGIES INC Revenue and Earnings History — Quarterly Trend
In TTM 2026, NETSOL TECHNOLOGIES INC reported revenue of $69M and earnings per share (EPS) of $0.02. Net income for the quarter was $-607,102. Gross margin was 44.0%. Operating income came in at $527,474.
In Q2 2026, NETSOL TECHNOLOGIES INC reported revenue of $20M and earnings per share (EPS) of $0.02. Net income for the quarter was $962,039. Gross margin was 45.0%. Revenue grew 29.1% year-over-year compared to Q2 2025. Operating income came in at $1M.
In Q1 2026, NETSOL TECHNOLOGIES INC reported revenue of $16M and earnings per share (EPS) of $-0.20. Net income for the quarter was $-2M. Gross margin was 36.8%. Revenue grew 10.1% year-over-year compared to Q1 2025. Operating income came in at $-2M.
In FY 2025, NETSOL TECHNOLOGIES INC reported revenue of $73M and earnings per share (EPS) of $0.25. Net income for the quarter was $5M. Gross margin was 44.6%. Revenue grew 19.1% year-over-year compared to FY 2024. Operating income came in at $4M.
Over the past 8 quarters, NETSOL TECHNOLOGIES INC has demonstrated a growth trajectory, with revenue expanding from $61M to $69M. Investors analyzing NTWK stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
NTWK Dividend Yield and Income Analysis
NETSOL TECHNOLOGIES INC (NTWK) does not currently pay a dividend. This is common among smaller companies in the Computer Software industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Technology dividend stocks may want to explore other Technology stocks or use the stock screener to filter by dividend yield.
NTWK Momentum and Technical Analysis Profile
NETSOL TECHNOLOGIES INC (NTWK) has a momentum factor score of 52/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 23/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 48/100 reflects moderate short selling activity.
NTWK vs Competitors — Technology Sector Ranking and Peer Comparison
Within the Technology sector, NETSOL TECHNOLOGIES INC (NTWK) ranks #204 out of 584 stocks based on the Blank Capital composite score. This places NTWK in the upper half of all Technology stocks in our coverage universe. Key competitors and sector peers include IHS Holding Ltd (IHS) with a score of 55.0/100, VERISIGN INC/CA (VRSN) with a score of 56.0/100, ESCO TECHNOLOGIES INC (ESE) with a score of 51.7/100, CareCloud, Inc. (CCLD) with a score of 46.9/100, and MMTec, Inc. (MTC) with a score of 47.4/100.
Comparing NTWK against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full NTWK vs S&P 500 (SPY) comparison to assess how NETSOL TECHNOLOGIES INC stacks up against the broader market across all factor dimensions.
NTWK Next Earnings Date
No upcoming earnings date has been announced for NETSOL TECHNOLOGIES INC (NTWK) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy NTWK? — Investment Thesis Summary
NETSOL TECHNOLOGIES INC presents a balanced picture with arguments on both sides. The quality score of 10/100 flags below-average profitability.
In summary, NETSOL TECHNOLOGIES INC (NTWK) earns a Hold rating with a composite score of 36.0/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on NTWK stock.
Related Resources for NTWK Investors
Explore more research and tools: NTWK vs S&P 500 comparison, top Technology stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare NTWK head-to-head with peers: NTWK vs IHS, NTWK vs VRSN, NTWK vs ESE.