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NETCAPITAL INC (NCPL) Stock Fundamental Analysis

USA - NASDAQ:NCPL - US64113L2025 - Common Stock

2.24 USD
0 (0%)
Last: 10/17/2025, 8:00:01 PM
2.37 USD
+0.13 (+5.8%)
After Hours: 10/17/2025, 8:00:01 PM
Fundamental Rating

1

Overall NCPL gets a fundamental rating of 1 out of 10. We evaluated NCPL against 237 industry peers in the Capital Markets industry. NCPL may be in some trouble as it scores bad on both profitability and health. NCPL does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year NCPL has reported negative net income.
NCPL had a negative operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: NCPL reported negative net income in multiple years.
In the past 5 years NCPL always reported negative operating cash flow.
NCPL Yearly Net Income VS EBIT VS OCF VS FCFNCPL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -10M -20M

1.2 Ratios

The Return On Assets of NCPL (-103.46%) is worse than 97.47% of its industry peers.
Looking at the Return On Equity, with a value of -127.19%, NCPL is doing worse than 89.45% of the companies in the same industry.
Industry RankSector Rank
ROA -103.46%
ROE -127.19%
ROIC N/A
ROA(3y)-46.78%
ROA(5y)-24.72%
ROE(3y)-64.95%
ROE(5y)-34.12%
ROIC(3y)N/A
ROIC(5y)N/A
NCPL Yearly ROA, ROE, ROICNCPL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -1K -2K -3K -4K

1.3 Margins

Looking at the Gross Margin, with a value of 95.91%, NCPL belongs to the top of the industry, outperforming 96.20% of the companies in the same industry.
In the last couple of years the Gross Margin of NCPL has remained more or less at the same level.
The Profit Margin and Operating Margin are not available for NCPL so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 95.91%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.91%
GM growth 5Y-0.83%
NCPL Yearly Profit, Operating, Gross MarginsNCPL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -1K -2K -3K -4K

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3

2. Health

2.1 Basic Checks

Compared to 1 year ago, NCPL has more shares outstanding
Compared to 5 years ago, NCPL has more shares outstanding
NCPL has a worse debt/assets ratio than last year.
NCPL Yearly Shares OutstandingNCPL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
NCPL Yearly Total Debt VS Total AssetsNCPL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M

2.2 Solvency

NCPL has an Altman-Z score of -1.32. This is a bad value and indicates that NCPL is not financially healthy and even has some risk of bankruptcy.
NCPL has a worse Altman-Z score (-1.32) than 85.65% of its industry peers.
NCPL has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.05, NCPL belongs to the top of the industry, outperforming 83.12% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Altman-Z -1.32
ROIC/WACCN/A
WACCN/A
NCPL Yearly LT Debt VS Equity VS FCFNCPL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M 20M 30M

2.3 Liquidity

A Current Ratio of 1.04 indicates that NCPL should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.04, NCPL is in line with its industry, outperforming 43.88% of the companies in the same industry.
A Quick Ratio of 1.04 indicates that NCPL should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.04, NCPL is in line with its industry, outperforming 48.10% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.04
Quick Ratio 1.04
NCPL Yearly Current Assets VS Current LiabilitesNCPL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M

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0

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 42.43% over the past year.
Looking at the last year, NCPL shows a very negative growth in Revenue. The Revenue has decreased by -74.33% in the last year.
The Revenue for NCPL have been decreasing by -13.05% on average. This is quite bad
EPS 1Y (TTM)42.43%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%75.16%
Revenue 1Y (TTM)-74.33%
Revenue growth 3Y-45.86%
Revenue growth 5Y-13.05%
Sales Q2Q%33.87%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y84.51%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year101.16%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
NCPL Yearly Revenue VS EstimatesNCPL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2M 4M 6M 8M
NCPL Yearly EPS VS EstimatesNCPL Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 -5 -10 -15 -20

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0

4. Valuation

4.1 Price/Earnings Ratio

NCPL reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Also next year NCPL is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
NCPL Price Earnings VS Forward Price EarningsNCPL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30 40 50

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
NCPL Per share dataNCPL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 -5 -10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

NCPL does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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NETCAPITAL INC

NASDAQ:NCPL (10/17/2025, 8:00:01 PM)

After market: 2.37 +0.13 (+5.8%)

2.24

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)09-22 2025-09-22
Earnings (Next)12-15 2025-12-15
Inst Owners2.22%
Inst Owner Change0%
Ins Owners0.12%
Ins Owner Change0%
Market Cap11.02M
Analysts82.86
Price TargetN/A
Short Float %7.53%
Short Ratio1.5
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-77.64%
Min Revenue beat(2)-87.69%
Max Revenue beat(2)-67.6%
Revenue beat(4)0
Avg Revenue beat(4)-81.62%
Min Revenue beat(4)-87.69%
Max Revenue beat(4)-67.6%
Revenue beat(8)0
Avg Revenue beat(8)-69.67%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 12.01
P/FCF N/A
P/OCF N/A
P/B 0.48
P/tB 1.97
EV/EBITDA N/A
EPS(TTM)-14.55
EYN/A
EPS(NY)-1.2
Fwd EYN/A
FCF(TTM)-1.54
FCFYN/A
OCF(TTM)-1.54
OCFYN/A
SpS0.19
BVpS4.7
TBVpS1.14
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -103.46%
ROE -127.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 95.91%
FCFM N/A
ROA(3y)-46.78%
ROA(5y)-24.72%
ROE(3y)-64.95%
ROE(5y)-34.12%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.91%
GM growth 5Y-0.83%
F-Score2
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.04
Quick Ratio 1.04
Altman-Z -1.32
F-Score2
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)42.43%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%75.16%
EPS Next Y84.51%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-74.33%
Revenue growth 3Y-45.86%
Revenue growth 5Y-13.05%
Sales Q2Q%33.87%
Revenue Next Year101.16%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-73.13%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year111.5%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-51.19%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-51.19%
OCF growth 3YN/A
OCF growth 5YN/A