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Upturn AI SWOT - About
NTWK 
NetSol Technologies Inc (NTWK)
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Upturn Advisory Summary
03/27/2025: NTWK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -36.23% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 28.24M USD | Price to earnings Ratio - | 1Y Target Price 8 |
Price to earnings Ratio - | 1Y Target Price 8 | ||
Volume (30-day avg) 23149 | Beta 1.01 | 52 Weeks Range 2.28 - 3.34 | Updated Date 04/1/2025 |
52 Weeks Range 2.28 - 3.34 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.07 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -1.34% | Operating Margin (TTM) -3.13% |
Management Effectiveness
Return on Assets (TTM) 0.93% | Return on Equity (TTM) -0.43% |
Valuation
Trailing PE - | Forward PE 8.79 | Enterprise Value 16872114 | Price to Sales(TTM) 0.46 |
Enterprise Value 16872114 | Price to Sales(TTM) 0.46 | ||
Enterprise Value to Revenue 0.27 | Enterprise Value to EBITDA 4.39 | Shares Outstanding 11670000 | Shares Floating 9245919 |
Shares Outstanding 11670000 | Shares Floating 9245919 | ||
Percent Insiders 21.07 | Percent Institutions 22.96 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
NetSol Technologies Inc
Company Overview
History and Background
NetSol Technologies Inc. was founded in 1997. It has evolved from a systems integrator to a global provider of IT and enterprise software solutions, primarily for the asset finance and leasing industry. Early milestones include establishing a global presence and developing its flagship product, NFS Ascent.
Core Business Areas
- Lease and Finance Portfolio Management: Offers comprehensive solutions for managing the entire asset finance and leasing lifecycle, including origination, servicing, and collections.
- Digital Transformation Solutions: Provides digital solutions such as mobile apps, portals, and customer relationship management (CRM) tools to enhance customer engagement and operational efficiency.
- IT Services: Offers IT consulting, system integration, and application development services to support clients' technology needs.
Leadership and Structure
Najeeb Ghauri serves as the CEO and Chairman. The company has a board of directors and a management team responsible for different functional areas such as sales, marketing, technology, and finance.
Top Products and Market Share
Key Offerings
- NFS Ascent: Flagship product, a comprehensive lease and finance portfolio management system. Market share data is difficult to pinpoint exactly but NetSol claims to be a market leader in specific regions, particularly in Asia. Competitors include International Decision Systems (IDS, not publicly traded), and various smaller regional players. NetSol's annual report does not provide specific revenue figures for each product.
- NFS Digital: Suite of digital solutions for customer engagement and operational efficiency. Market share is emerging as companies begin adopting new digital solutions. Competitors include companies that provide CRM and portal-based services, such as Salesforce (CRM) and Microsoft (MSFT). Specific revenue from this product is not separately disclosed.
Market Dynamics
Industry Overview
The asset finance and leasing industry is undergoing digital transformation, with increasing demand for cloud-based solutions, mobile applications, and enhanced customer experiences. Regulatory compliance and risk management are also key drivers.
Positioning
NetSol Technologies Inc. is positioned as a global provider of specialized IT solutions for the asset finance and leasing industry, with a focus on delivering comprehensive and innovative solutions to its clients. They have a strong foothold in the Asian market, with expansion efforts in other regions.
Total Addressable Market (TAM)
The global asset finance and leasing software market is projected to reach hundreds of billions of dollars. NetSol is targeting a significant portion of this TAM by offering tailored solutions and expanding its global footprint.
Upturn SWOT Analysis
Strengths
- Specialized expertise in the asset finance and leasing industry
- Comprehensive suite of solutions covering the entire asset finance lifecycle
- Global presence and established client base
- Strong technology platform with NFS Ascent
Weaknesses
- Relatively small company size compared to larger competitors
- Concentration of revenue in specific regions (primarily Asia)
- Fluctuations in financial performance due to project-based revenue
Opportunities
- Growing demand for digital transformation solutions in the asset finance industry
- Expansion into new geographic markets, particularly in Europe and North America
- Strategic partnerships with other technology providers
- Cloud-based solutions and SaaS model adoption
Threats
- Intense competition from larger and more established players
- Economic downturns and fluctuations in the asset finance industry
- Rapid technological changes and the need for continuous innovation
- Regulatory changes and compliance requirements
Competitors and Market Share
Key Competitors
- IDS (Private)
- Salesforce (CRM)
- Microsoft (MSFT)
Competitive Landscape
NetSol's advantage lies in its deep domain expertise, however, it faces strong competition from larger companies with more resources and broader product offerings.
Major Acquisitions
Otoz
- Year: 2021
- Acquisition Price (USD millions): 2.5
- Strategic Rationale: To enhance digital capabilities and expand into new markets.
Growth Trajectory and Initiatives
Historical Growth: Historically, NetSol's growth has been dependent on large contract wins in the Asian market. Growth has fluctuated.
Future Projections: Future growth projections depend on expansion into new markets, successful digital transformation initiatives, and the overall health of the asset finance industry. Analyst estimates are not widely available for this specific company due to its size.
Recent Initiatives: Recent initiatives include focusing on cloud-based solutions, expanding the NFS Digital suite, and pursuing strategic partnerships.
Summary
NetSol Technologies Inc. is a niche player in the asset finance and leasing IT solutions market with expertise in specific geographies. Its financial performance can be unpredictable due to its project-based revenue model. While NFS Ascent is a strong product, competition is intense. Expanding into new regions and offering a broad suite of products beyond specific core solutions will be critical for long-term sustained growth.
Similar Companies
- IBM
- ORCL
- SAP
Sources and Disclaimers
Data Sources:
- NetSol Technologies Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Industry Reports
Disclaimers:
The information provided is based on publicly available data and analyst estimates. Actual results may vary. This is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About NetSol Technologies Inc
Exchange NASDAQ | Headquaters Encino, CA, United States | ||
IPO Launch date 1998-09-24 | Co-Founder, Chairman & CEO Mr. Najeeb Ullah Ghauri | ||
Sector Technology | Industry Software - Application | Full time employees 1569 | Website https://www.netsoltech.com |
Full time employees 1569 | Website https://www.netsoltech.com | ||
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 the United States, North America, Europe, and Asia Pacific. The company offers NFS Ascent, a suite of financial applications for businesses in the finance and leasing industry. It also offers Omni Point of Sale, a web-based application; Self Point of Sale, a self POS portal; Mobile Point of Sale, a web and mobile-enabled platform; Contract Management System (CMS), an application for managing and maintaining credit contracts; Mobile Account, a mobile solution; Mobile Collector that allows collections teams to increase productivity; Wholesale Finance System (WFS), a system for automating and managing the lifecycle of wholesale finance; and Mobile Dealer that provides more visibility and control over inventories. In addition, the company offers Otoz Ecosystem, a state-of-the-art technology that provides open application programming interfaces; Otoz Digital Retail that helps"OEMs and dealers move into"the"digital era; and Otoz Mobility Orchestration, a comprehensive in-life subscription and rental platform. Further, it provides Appex Now, a marketplace of API-first products for the global credit, finance and leasing industry, including Flex, Hubex, Index, Dock, Lane, and T-Rate. Additionally, it offers system integration, consulting, and information technology products and services. It serves blue chip organizations, Dow-Jones 30 Industrials, Fortune 500 manufacturers, financial institutions, and vehicle manufacturers. The company was incorporated in 1997 and is headquartered in Encino, California.
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