NetSol Technologies, Inc., established in 1997 and headquartered in Calabasas, California, is a global developer and exporter of specialized software solutions tailored ...
NetSol Technologies, Inc. (Nasdaq: NTWK), established in 1996 and headquartered in Calabasas, California, is a leading global developer and exporter of specialized software solutions for the automotive finance and leasing, banking, and broader financial services sectors. The company's flagship product, NFS Ascent, is a comprehensive suite of financial applications that ...NetSol Technologies, Inc. (Nasdaq: NTWK), established in 1996 and headquartered in Calabasas, California, is a leading global developer and exporter of specialized software solutions for the automotive finance and leasing, banking, and broader financial services sectors. The company's flagship product, NFS Ascent, is a comprehensive suite of financial applications that includes Omni Point of Sale, Contract Management System (CMS), Wholesale Finance System (WFS), and Dealer Auditor Access System, all designed to streamline and automate critical financing and leasing operations. In addition, NetSol offers cloud-based solutions and a range of mobile applications under the NFS Digital brand, enabling on-the-go access for dealers, auditors, and collectors. The company also provides Otoz Digital Auto-Retail, a white-labeled SaaS platform, and the Otoz Ecosystem, which includes dealer and customer portals. Beyond software, NetSol delivers system integration, consulting, and IT services to a prestigious global clientele, including Fortune 500 companies and major financial institutions. With approximately 1,460 employees worldwide, the company operates across multiple regions, delivering innovative technology solutions that drive digital transformation in the asset finance industry.
EPS estimate unavailable · Fiscal period ending 2026-06-30
D-31
5Y Trend (Revenue, Earnings, FCF)
Metric
Latest
YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.
QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).
$66.1M
+7.6%
+5.4%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.
$2.9M
+327.5%
+427.2%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.
+49.3%
+3.3%
+15.8%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).
+5.3%
-6.9%
+119.3%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.
+4.4%
+297.1%
+400.0%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.
$-935503
-139.1%
+63.6%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.
-1.4%
-136.3%
+65.5%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.
24.2%
+9.8%
-8.0%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.
2.35x
+18.2%
-16.6%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.
Operator: Good morning. And welcome to the NetSol Technologies Third Quarter and 9 Months Ended 31, 26 Earnings Conference Call. On the call today are Founder and Chief Executive Officer of Netsol Technologies, Najeeb Ullah Ghauri, chief financial officer, Sardar Mohammad Abubakr and senior vice president, legal and corporate affairs, general counsel, and corporate Secretary, Patti L. W. McGlasson. All 4 are available for the Q&A portion are Chief Accounting Officer, Roger Kent Almond and Chief Marketing Officer, Erik Wagner. I will now hand the call over to Matt who will provide the necessary disclaimers regarding the forward looking statements made during today's call. Patti, please go ahead.
Patti L. W. McGlasson: Thank you. Good morning, everyone, and thank you for joining us today. After we review the company's business highlights and financial results, for the third quarter and 9 months ended March 31, 2026. We will open the call for questions. Before we begin, I would like to remind you that our remarks today may include forward looking statements within the meaning of the federal securities laws, including the safe harbor provisions of the Private Securities Litigation Reform Act of 2000. These statements reflect management's current views and uncertainties and results may differ materially from those expressed or implied. We encourage you to review the cautionary statements and risk factors contained in NetSol's press release. Issued earlier today as well as in our filings with the Securities and Exchange Commission including our most recent Form 10-K and quarterly reports on Form 10-Q. I would also like to note that today's discussion will include certain non GAAP financial measures. A reconciliation of these measures to their most directly comparable GAAP figures can be found in the press release issued earlier today. Lastly, please remember that this call is being recorded. And will be available for replay on our website at netsoltech.com. And through a link included in today's press release. At this time, all participants are in listen only mode. Following the prepared remarks, we will open the call for the Q&A session. I will now hand the call over to our Founder and CEO, Najeeb Ghauri. Najeeb Ghauri?
Najeeb Ullah Ghauri: Thank you, Matt. Good morning, everyone. And thank you for joining NetSol Technologies call to review our results for the third quarter and 9 months ended 03/31/2026. The third quarter was a record quarter for NetSol. Total net revenues were $19.8 million, the highest quarterly revenue in the history of the company. Recurring subscription and support revenue grew approximately 11.7% year over year. Income from operations was $3 million, up from $1.6 million in the prior year period. And non GAAP adjusted EBITDA was $3.4 million compared with $2.3 million in the prior year period. For the 9 months ended 03/31/2026, total net revenues were $53.7 million an increase of approximately 12.5% over the period prior year …