Check 35,000+ stocks against 26 valuation models and 37 quality factors

NetSol Technologies Inc (NTWK) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of NetSol Technologies Inc $3.67, price $4.46, upside -17.7%, quality 62 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

Fair value above price? No
Good quality? Yes
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Technology · US · ISIN US64115A4022

Some data Sep 23, 2026

NetSol Technologies Inc

NTWK · US

Overvalued / MonitorQuality is not strong enough to offset the price risk.

!Fair value $3.67 · Overvalued (−18%)

!Quality 62/100

!Expensive Growth (revenue 5y +3.2 %/yr)

!Thin margins · 2.5% net margin (TTM)

!Low debt · negative free cash flow

✓Ranks above peers (10/13)

!Narrow moat 42/100

!Evidence only medium, so the estimate is less certain

!Weak on valuation: 10 out of 100

26 models, one by oneBear $3.01 to bull $5.12 Growth analysisrevenue history, year by year Quality 62/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $1.75 – $5.64 · fair‑value band $3.01 – $5.12 · the $4.46 price screens above the $3.67 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

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 analysis

NetSol Technologies Inc (NTWK) currently trades at $4.46, while our model-based Fair Value estimate is $3.67, implying the stock looks roughly 21.5% overvalued today.

Valuation

Bull case: the DCF Models group reads highest at a median of $5.54 per share, and 7 of the 15 models we run sit above the $4.46 price.

Bear case: the Asset-Based group reads lowest at $2.13, and 8 of the 15 models stay below the price. Evidence for this calculation is medium.

Scenario range: $3.01 (bear) to $5.12 (bull), the price of $4.46 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 62/100 (solid quality), in the Technology sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

NetSol Technologies Inc reported revenue of $66.1M in FY2025 versus $54.9M in FY2021, a compound +4.7%/yr. Reported net income was $2.9M in FY2025, compounding +13.2%/yr from FY2021.

Key figures

Market cap $51.6M · P/E ratio 29.7 · P/S ratio 1.32 · EPS (TTM) $0.1500 · Net margin 4.4% · Return on equity 11.5% · Return on assets (EBIT) −0.5% · Operating margin 15.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).

What moves the price

The share trades about 15% below its 52-week high and 59% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Technology peers we cover trades at −13% fair-value upside, at −18%, NTWK screens richer than that median.

Fair Value models

Bear $3.01 Fair Value $3.67 Bull $5.12

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then ($0.1500 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Highest evidence

Owner Earnings $4.12 $5.54 $7.50 77

EPV $2.68 $2.82 $2.94 74

ROIC Compounder $2.68 $2.82 $2.94 72

All 15 models by family

DCF Models

Owner Earnings $4.12 $5.54 $7.50 77

Earnings-Based

Graham-Dodd $1.67 $7.06 $9.63 64

Lynch FV $1.79 $2.56 $3.33 61

PEG = 1.0 $1.79 $2.56 $3.33 57

EPV $2.68 $2.82 $2.94 74

Multiples

P/E Multiple $5.17 $6.89 $8.61 63

P/S Multiple $3.14 $4.18 $5.23 58

P/B Multiple $3.14 $4.18 $5.23 55

EV/EBIT $6.77 $8.54 $10.31 66

EV/EBITDA $7.10 $8.99 $10.87 67

EV/Revenue $4.14 $5.29 $6.44 54

Asset-Based

NCAV (Graham) $1.59 $2.13 $3.19 54

Economic Profit

Residual Income $2.36 $2.42 $2.37 71

ROIC Compounder $2.68 $2.82 $2.94 72

Growth Earnings

Growth-Adj P/E $3.62 $5.18 $6.73 67

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Quality Score breakdown

Overall quality 62/100

Of which business quality 59 · Market factors (momentum, volatility) 43

Profitability 56

Margins and returns on capital today

Quality Growth 74

Are margins and returns improving?

Cashflow 7

Earnings quality: real cash, not paper profit

Fin. Strength 73

Balance sheet, leverage, solvency risk

Investment 100

Disciplined investing over empire-building

Low Volatility 38

Calm price path (market factor)

Momentum 45

Price trend over the last 3–12 months (market factor)

52W Momentum 48

Distance to the 52-week high (market factor)

Net Issuance 70

Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 32/100

The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Revenue growth 1 year

+7.6%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+4.9%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+3.2%

Start year 2020 (pandemic). Over 10 years: +2.6% a year

Revenue growth 27 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+24.7%

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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.

−1.7%

Earnings growth per share plus dividend.

Earnings per share, growth per year−1.7%

Dividend (yield on the price)0.0%

Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.10% vs −2%, picking up

Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.2% → 5%

Start year 2020 (pandemic)

NTWK screens 22% overvalued. Compare with SAP SE →

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Price, fair value, quality and upside side by side.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Application · 710 stocks

Beats the industry median on 9/12 measures

Overall it ranks above its industry peers.

Valuation

Quality Score 62 · Above median

Fair Value upside −18% · Below median

Profitability

Return on equity (TTM) 11% · Above median

Return on assets 5% · Above median

Net margin (TTM) 2% · Below median

Operating margin (TTM) 15% · Top 25%

Growth and dividend

Revenue growth 13% · Above median

Valuation Multiplesvs Software - Application median · lower = cheaper

P/E (TTM) 29.7× · Pricier than median

P/B 1.36× · Cheaper than median

P/S (TTM) 0.72× · Cheapest 25%

EV/EBITDA 4.9× · Cheapest 25%

PEG 0.35× · Cheapest 25%

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)10 · sector 26

FUTURE (revenue growth)65 · sector 39

PAST (return on equity)46 · sector 16

HEALTH (low debt)100 · sector 97

DIVIDEND (yield)0 · sector 33

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Software - Application stocks, each showing price versus our Fair Value estimate.

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SAP SE SAP	€182.32	€159.06	−13%
Shopify Inc SHOP	$147.74	$64.36	−56%
Uber Technologies, Inc UBER	$69.89	$104.82	+50%
Salesforce, Inc CRM	$233.28	$344.41	+48%
ServiceNow, Inc NOW	$137.00	$150.70	+10%
Cadence Design Systems, Inc CDNS	$302.95	$225.14	−26%
Snowflake Inc SNOW	$336.59	$75.08	−78%
Datadog, Inc DDOG	$247.48	$32.92	−87%
Adobe Inc ADBE	$238.25	$454.04	+91%
Automatic Data Processing, Inc ADP	$269.64	$177.51	−34%

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NetSol Technologies Inc · Fair Value
$3.67 −22%Fair Value
Calculator →

<a href="https://www.fairvalue-calculator.com/stock/NTWK" target="_blank" rel="nofollow noopener" style="display:inline-flex;align-items:center;gap:12px;box-sizing:border-box;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;text-decoration:none;background:#0f1814;color:#eaf2ed;border:1px solid #2a3a30;border-radius:12px;padding:12px 16px;max-width:360px"><span style="line-height:1.35"><span style="font-size:12px;color:#9fb0a8">NetSol Technologies Inc · Fair Value</span><br><b style="font-size:20px">$3.67</b> <span style="color:#e0816f;font-weight:700;font-size:14px">−22%</span></span><span style="font-size:11px;color:var(--fvc-g-mitte);font-weight:700;margin-left:auto;text-align:right;line-height:1.3">Fair&nbsp;Value<br>Calculator&nbsp;→</span></a>

Cite: Fair Value Calculator (2026). "NetSol Technologies Inc Fair Value". https://www.fairvalue-calculator.com/stock/NTWK

Frequently asked questions

Is NetSol Technologies Inc (NTWK) overvalued or undervalued?

As of Sep 23, 2026, our model estimates a fair value of $3.67 versus a price of $4.46, about −18% upside (overvalued).

What is the fair value of NTWK?

Our model-based fair value for NetSol Technologies Inc is $3.67 (as of Sep 23, 2026), built from audited fundamentals. The current price: $4.46.

What is the quality score of NTWK?

NetSol Technologies Inc has a Quality Score of 62/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for NetSol Technologies Inc (NTWK)?

Our model-based price target is the fair value of $3.67 (as of Sep 23, 2026) from 15 valuation models. Cautious scenario $3.01, optimistic scenario $5.12. It is a calculation from audited fundamentals, not an analyst target.

What is the NetSol Technologies Inc stock forecast for 2026?

Our models put fair value at $3.67, about −18% upside versus a price of $4.46 (overvalued). Cautious scenario $3.01, optimistic scenario $5.12. The calculation is refreshed regularly with new filings.

What is the revenue of NetSol Technologies Inc (NTWK)?

NetSol Technologies Inc reported trailing-twelve-month revenue of about $72.1M (latest available figure, as of Sep 23, 2026).

What is the intrinsic value of NetSol Technologies Inc (NTWK)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For NetSol Technologies Inc it is $3.67 per share (as of Sep 23, 2026), against a price of $4.46. It is the blended result of 15 valuation models (cash flow, earnings, asset, dividend).

Is NetSol Technologies Inc stock overvalued or undervalued in 2026?

As of Sep 23, 2026, NTWK trades above its calculated fair value: price $4.46, fair value $3.67, a gap of about −18% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of NTWK?

No. The price is what the market pays today ($4.46); the fair value is what the company's own numbers justify ($3.67). For NetSol Technologies Inc the two are $0.7900 per share apart. That gap is exactly why we show both numbers side by side.

How much is NetSol Technologies Inc worth?

The market values NetSol Technologies Inc at about $51.6M (market capitalisation, as of Sep 23, 2026). Per share that is $4.46; our models calculate a fair value of $3.67 per share.

What do the bullish and bearish scenarios say about NTWK?

Our models span a range for NetSol Technologies Inc: cautious scenario $3.01, base $3.67, optimistic $5.12 per share (as of Sep 23, 2026, price $4.46). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of NTWK?

NetSol Technologies Inc trades at a price-to-earnings ratio of 29.7 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $3.67 is built from several models across several years. Other multiples: PEG 0.4, P/B 1.4, P/S 0.7, EV/EBITDA 4.9.

What is the PEG ratio of NTWK?

The PEG ratio of NetSol Technologies Inc is 0.35 (P/E divided by earnings growth, as of Sep 23, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.

How solid is the balance sheet of NetSol Technologies Inc (NTWK)?

Balance-sheet figures for NetSol Technologies Inc (as of Sep 23, 2026): return on equity 11.5%. They feed the Quality Score of 62/100, which measures business quality independently of the share price.

How far is NTWK from its 52-week high?

NetSol Technologies Inc trades at $4.46, about 15% below its 52-week high of $5.22 and 59% above the low of $2.80 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $3.67 is for.

Which stocks are comparable to NetSol Technologies Inc?

From the same area (Technology) we also value SAP SE, Shopify Inc, Uber Technologies, Inc, Salesforce, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is NetSol Technologies Inc stock attractive at the current price?

The data as of Sep 23, 2026: price $4.46, calculated fair value $3.67 (−18%), Quality Score 62/100, from 15 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of NTWK calculated?

We run NetSol Technologies Inc through 15 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $3.67, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 14.1 % above its aggregate fair value. NetSol Technologies Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of NetSol Technologies Inc (NTWK)?

The closing price on Sep 23, 2026 was $4.46. Our model-based fair value is $3.67, about −18% upside (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with NetSol Technologies Inc right now?

Solid but not exceptional quality (62/100) and above fair value, neither a clear bargain nor a standout compounder. The price sits in the upper half of our model range, so the margin of safety is thin. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.

Key figures of NetSol Technologies Inc

How large is the market capitalisation of NetSol Technologies Inc (NTWK)?

The market capitalisation of NetSol Technologies Inc is $51.6M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of NetSol Technologies Inc (NTWK)?

The price-to-sales ratio of NetSol Technologies Inc is 1.32 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of NetSol Technologies Inc (NTWK)?

Earnings per share at NetSol Technologies Inc are $0.1500 (price ÷ EPS = P/E 29.7). Earnings per share over the last twelve months: total profit spread across every single share.

What is the net margin of NetSol Technologies Inc (NTWK)?

The net margin of NetSol Technologies Inc is 4.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of NetSol Technologies Inc (NTWK)?

The return on equity (ROE) of NetSol Technologies Inc is 11.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of NetSol Technologies Inc (NTWK)?

On an EBIT basis the return on assets of NetSol Technologies Inc is −0.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of NetSol Technologies Inc (NTWK)?

The operating margin of NetSol Technologies Inc is 15.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at NetSol Technologies Inc (NTWK)?

Revenue at NetSol Technologies Inc is growing +13.0% versus a year earlier (3y avg +4.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at NetSol Technologies Inc (NTWK)?

Earnings per share at NetSol Technologies Inc are growing −9.8% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does NetSol Technologies Inc (NTWK) generate?

The free cash flow of NetSol Technologies Inc is −$936K (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

How much net cash does NetSol Technologies Inc (NTWK) hold?

NetSol Technologies Inc holds more cash than debt, $8.2M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.

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