Stocktoria
NETSOL TECHNOLOGIES INC NTWK
NETSOL TECHNOLOGIES INC (NTWK) earns a Piotroski F-score of 5/9 (mixed financial health), with an Altman Z″ in the safe zone. It pays a dividend yielding 3.55% (safety: no dividend). FY2025 revenue was $73.1M at a 4.0% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Beneish M-score: -2.56 — low (below −2.22 — no manipulation red flag) . A statistical screen for earnings manipulation, not proof — and it doesn't apply to most banks/insurers.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Services · percentile among 982 companies
Percentile vs other Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · safe zone
| Component | Value |
|---|---|
| Working capital / assets | 0.426 |
| Retained earnings / assets | -0.661 |
| EBIT / assets | 0.056 |
| Equity / liabilities | 2.094 |
Sector peers · similar-size Services companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| NTWK | NETSOL TECHNOLOGIES INC | 5/9 | 3.21 | 18.5 | +13.4% |
| RAASY | Cloopen Group Holding Ltd | 2/9 | — | — | -2.5% |
| SNAL | Snail, Inc. | 2/9 | -6.48 | — | -3.8% |
| SVCO | Silvaco Group, Inc. | 2/9 | -2.29 | — | +5.7% |
| WIMI | WiMi Hologram Cloud Inc. | 4/9 | 7.12 | — | -20.3% |
| EGAN | EGAIN Corp | 4/9 | -3.25 | 5.5 | -4.7% |
| RDVT | Red Violet, Inc. | 6/9 | 13.55 | 64.7 | +20% |
About NETSOL TECHNOLOGIES INC
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.
FAQ
Is NTWK financially healthy?
NETSOL TECHNOLOGIES INC's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the safe zone.
Does NTWK pay a dividend, and is it safe?
Yes. NETSOL TECHNOLOGIES INC pays a dividend yielding about 3.55% with a None payout ratio, rated “no dividend” for safety.
How profitable is NTWK?
In FY2025, NETSOL TECHNOLOGIES INC had a net margin of 4.0% and a return on equity of 6.9%.
Is NTWK overvalued or undervalued?
NETSOL TECHNOLOGIES INC trades at about 16.6× trailing earnings — near its 10-year norm (10-year range 8.1×–46.7×, median 16.3×). Stocktoria reports the data, not buy/sell advice.
Is NTWK a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on NETSOL TECHNOLOGIES INC: a Piotroski F-score of 5/9, an Altman Z″ in the safe zone, a P/E of about 18.5×, a dividend yield of 3.55%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-06-30. Facts plus Stocktoria's own computed scores — not investment advice.