NETSOL TECHNOLOGIES INC

NTWKdata completeness 100%15 fiscal years on file
The thesis, from the filings

NETSOL TECHNOLOGIES INC earns about 9% on invested capital, barely covering its ~9% cost of capital, with a roughly flat share count. The estimate methods put fair value between $0.61 and $1.94 a share.Whether it’s worth owning at today’s price is the last question — and yours to answer, below.

i. The business — what you’d actually own
FigureFY 2021FY 2022FY 2023FY 2024FY 2025
Revenue$54.9M1$57.2M2$52.4M3$61.4M4$66.1M4
Net income$1.78M5−$851,1566−$5.24M7$683,8738$2.92M8
Operating cash flow$15.7M9$3.06M10$2.01M11$2.91M12$447,26712
Capital expenditure$2.55M13$2.61M14$1.64M15$515,40416$1.38M16
Free cash flow (derived)$13.2M9$451,41710$370,13311$2.39M12−$935,50312
Total debt$2.93M17$1.7M18$668,93819$113,68420$153,23621
Cash & equivalents$33.7M22$24M23$15.5M24$19.1M25$17.4M25
Diluted shares11.5M11.3M11.3M11.4M11.6M

Superscripts are receipts. Each links to the SEC filing the number came from (full list at the bottom).

ii. Your slice — ownership made literal
If you owned
shares
Net assets behind them
$32.68
your share of equity
Profit it earned you last year
$2.53
Free cash flow it threw off
−$0.81
Debt you’d be carrying
$0.13

10 shares is a claim on $32.68 of net worth that earned you $2.53 and generated −$0.81 of cash last year, against $0.13 of debt.

iii. Is this a good business?
Moat signal · return on invested capital
9% avg · 5y
FY21 11%FY22 6%FY23 -10%FY24 18%FY25 22%

It earned about 9% on invested capital against a ~9% cost of capital — roughly what it costs to fund the business, so the numbers show no clear edge.

seeing a moat in the numbers →
Management signal · capital allocation
+1% shares · 5y

Share count is roughly flat over 5 years — little dilution, little buyback. Total debt has fallen 95% — deleveraging.

reading capital allocation →

Signals, not verdicts — read from the filings above. Numbers don’t prove a moat; they show its footprint. You decide.

iv. What it’s worth — engine v0.1.0

The 3 estimate methods that apply put fair value between $0.61 and $1.94 a share. They rest on different assumptions, so where they diverge is the story; the Graham Number is a stricter floor, not a target.

DCF · Growth Exit 10Y
$1.91
assumptions (10)
  • riskFreeRate4.7%
  • equityRiskPremium5.0%
  • beta100.0%
  • equityWeight85.0%
  • costOfDebtSpread1.5%
  • taxRate21.0%
  • terminalGrowth2.5%
  • projectionYears10
  • fcfGrowth0.0%
  • fcfBase$370,133
DCF · Growth Exit 5Y
$1.94
assumptions (10)
  • riskFreeRate4.7%
  • equityRiskPremium5.0%
  • beta100.0%
  • equityWeight85.0%
  • costOfDebtSpread1.5%
  • taxRate21.0%
  • terminalGrowth2.5%
  • projectionYears5
  • fcfGrowth0.0%
  • fcfBase$370,133
Earnings Power Value
$0.61
assumptions (8)
  • riskFreeRate4.7%
  • equityRiskPremium5.0%
  • beta100.0%
  • equityWeight85.0%
  • costOfDebtSpread1.5%
  • taxRate21.0%
  • normalizedEarnings$683,873
  • growthAssumed0.0%
Graham Number
$4.29
assumptions (1)
  • grahamMultiplier2250.0%

Different models answer different questions — which to trust when →

v. The price question — last, on purpose
Is today’s price fair?
See live price ↗
Type a price. The ledger answers.
Or set your own belief
FCF growth, next 5 years0.0%
Discount rate (WACC)8.93%
Terminal growth2.5%
At your growth, a share is worth $1.94
The three cases
Bear0.0%$1.94
Base0.0%$1.94
Bull5.0%$2.05

Bear/base/bull growth = 0% / filed history / history + 5pp. Type a price to see the return each case implies.

Default growth 0.0%= this company’s own filed history (median-to-median FCF CAGR, clamped 0–20%). Your adjustments are recorded anonymously. They become the “what do owners actually believe” dataset.

Sources — the receipts
  1. 10-K · period ending 2021-06-30 · accession 0001493152-22-026889 (RevenueFromContractWithCustomerExcludingAssessedTax)
  2. 10-K · period ending 2022-06-30 · accession 0001493152-23-033429 (RevenueFromContractWithCustomerExcludingAssessedTax)
  3. 10-K · period ending 2023-06-30 · accession 0001493152-24-038751 (RevenueFromContractWithCustomerExcludingAssessedTax)
  4. 10-K · period ending 2024-06-30 · accession 0001493152-25-015950 (RevenueFromContractWithCustomerExcludingAssessedTax)
  5. 10-K · period ending 2021-06-30 · accession 0001493152-22-026889 (NetIncomeLoss)
  6. 10-K · period ending 2022-06-30 · accession 0001493152-23-033429 (NetIncomeLoss)
  7. 10-K · period ending 2023-06-30 · accession 0001493152-24-038751 (NetIncomeLoss)
  8. 10-K · period ending 2024-06-30 · accession 0001493152-25-015950 (NetIncomeLoss)
  9. 10-K · period ending 2021-06-30 · accession 0001493152-22-026889 (NetCashProvidedByUsedInOperatingActivities)
  10. 10-K · period ending 2022-06-30 · accession 0001493152-23-033429 (NetCashProvidedByUsedInOperatingActivities)
  11. 10-K · period ending 2023-06-30 · accession 0001493152-24-038751 (NetCashProvidedByUsedInOperatingActivities)
  12. 10-K · period ending 2024-06-30 · accession 0001493152-25-015950 (NetCashProvidedByUsedInOperatingActivities)
  13. 10-K · period ending 2021-06-30 · accession 0001493152-22-026889 (PaymentsToAcquirePropertyPlantAndEquipment)
  14. 10-K · period ending 2022-06-30 · accession 0001493152-23-033429 (PaymentsToAcquirePropertyPlantAndEquipment)
  15. 10-K · period ending 2023-06-30 · accession 0001493152-24-038751 (PaymentsToAcquirePropertyPlantAndEquipment)
  16. 10-K · period ending 2024-06-30 · accession 0001493152-25-015950 (PaymentsToAcquirePropertyPlantAndEquipment)
  17. 10-K · period ending 2021-06-30 · accession 0001493152-21-023957 (LongTermDebtCurrent)
  18. 10-K · period ending 2022-06-30 · accession 0001493152-22-026889 (LongTermDebtCurrent)
  19. 10-K · period ending 2023-06-30 · accession 0001493152-23-033429 (LongTermDebtNoncurrent)
  20. 10-K · period ending 2024-06-30 · accession 0001493152-24-038751 (LongTermDebtNoncurrent)
  21. 10-K · period ending 2025-06-30 · accession 0001493152-25-015950 (LongTermDebtNoncurrent)
  22. 10-K · period ending 2021-06-30 · accession 0001493152-22-026889 (CashAndCashEquivalentsAtCarryingValue)
  23. 10-K · period ending 2022-06-30 · accession 0001493152-23-033429 (CashAndCashEquivalentsAtCarryingValue)
  24. 10-K · period ending 2023-06-30 · accession 0001493152-24-038751 (CashAndCashEquivalentsAtCarryingValue)
  25. 10-K · period ending 2024-06-30 · accession 0001493152-25-015950 (CashAndCashEquivalentsAtCarryingValue)