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NETCAPITAL INC (NCPL) Stock Fundamental Analysis

NASDAQ:NCPL - Nasdaq - US64113L2025 - Common Stock - Currency: USD

8.64  +1.78 (+25.95%)

After market: 8.5 -0.14 (-1.62%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to NCPL. NCPL was compared to 233 industry peers in the Capital Markets industry. Both the profitability and financial health of NCPL have multiple concerns. NCPL is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

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.
Of the past 5 years NCPL 4 years were profitable.
NCPL had a negative operating cash flow in each of the past 5 years.
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 0 2M -2M -4M

1.2 Ratios

NCPL has a Return On Assets of -25.97%. This is amonst the worse of the industry: NCPL underperforms 90.99% of its industry peers.
NCPL's Return On Equity of -29.63% is on the low side compared to the rest of the industry. NCPL is outperformed by 85.84% of its industry peers.
Industry RankSector Rank
ROA -25.97%
ROE -29.63%
ROIC N/A
ROA(3y)2.03%
ROA(5y)7.79%
ROE(3y)2.96%
ROE(5y)21.5%
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 0 -1K -2K -3K -4K

1.3 Margins

NCPL's Gross Margin of 94.08% is amongst the best of the industry. NCPL outperforms 94.42% of its industry peers.
NCPL's Gross Margin has been stable in the last couple of years.
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 94.08%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5.25%
GM growth 5Y-0.04%
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 0 -1K -2K -3K -4K

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3

2. Health

2.1 Basic Checks

The number of shares outstanding for NCPL has been reduced compared to 1 year ago.
NCPL has less shares outstanding than it did 5 years ago.
The debt/assets ratio for NCPL has been reduced compared to a year ago.
NCPL Yearly Shares OutstandingNCPL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 10M 20M 30M 40M

2.2 Solvency

NCPL has an Altman-Z score of 0.82. This is a bad value and indicates that NCPL is not financially healthy and even has some risk of bankruptcy.
NCPL's Altman-Z score of 0.82 is in line compared to the rest of the industry. NCPL outperforms 45.92% of its industry peers.
NCPL has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.02, NCPL belongs to the best of the industry, outperforming 84.12% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Altman-Z 0.82
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 0 10M 20M 30M

2.3 Liquidity

A Current Ratio of 0.15 indicates that NCPL may have some problems paying its short term obligations.
The Current ratio of NCPL (0.15) is worse than 91.42% of its industry peers.
NCPL has a Quick Ratio of 0.15. This is a bad value and indicates that NCPL is not financially healthy enough and could expect problems in meeting its short term obligations.
NCPL has a worse Quick ratio (0.15) than 90.99% of its industry peers.
Industry RankSector Rank
Current Ratio 0.15
Quick Ratio 0.15
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 2M 4M 6M 8M

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5

3. Growth

3.1 Past

The earnings per share for NCPL have decreased strongly by -65.06% in the last year.
Looking at the last year, NCPL shows a very negative growth in Revenue. The Revenue has decreased by -89.47% in the last year.
Measured over the past years, NCPL shows a very strong growth in Revenue. The Revenue has been growing by 37.43% on average per year.
EPS 1Y (TTM)-65.06%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%88.2%
Revenue 1Y (TTM)-89.47%
Revenue growth 3Y1.61%
Revenue growth 5Y37.43%
Sales Q2Q%-85.62%

3.2 Future

The Earnings Per Share is expected to grow by 39.31% on average over the next years. This is a very strong growth
Based on estimates for the next years, NCPL will show a quite strong growth in Revenue. The Revenue will grow by 12.00% on average per year.
EPS Next Y61.71%
EPS Next 2Y39.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-37.64%
Revenue Next 2Y12%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
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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1

4. Valuation

4.1 Price/Earnings Ratio

NCPL reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for NCPL. No positive earnings are expected for the next year.
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

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 -5 10 -10 15

4.3 Compensation for Growth

NCPL's earnings are expected to grow with 39.31% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y39.31%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for NCPL!.
Industry RankSector Rank
Dividend Yield N/A

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NETCAPITAL INC

NASDAQ:NCPL (7/1/2025, 7:37:16 PM)

After market: 8.5 -0.14 (-1.62%)

8.64

+1.78 (+25.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)03-17 2025-03-17/amc
Earnings (Next)07-28 2025-07-28/amc
Inst Owners3.71%
Inst Owner Change-23.81%
Ins Owners0.26%
Ins Owner Change0%
Market Cap18.92M
Analysts82.86
Price Target2.3 (-73.38%)
Short Float %9.87%
Short Ratio0.67
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)0
Avg EPS beat(2)-94.34%
Min EPS beat(2)-110.85%
Max EPS beat(2)-77.84%
EPS beat(4)0
Avg EPS beat(4)-233.1%
Min EPS beat(4)-706.45%
Max EPS beat(4)-37.25%
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)-85.6%
Min Revenue beat(2)-87.06%
Max Revenue beat(2)-84.15%
Revenue beat(4)0
Avg Revenue beat(4)-83.35%
Min Revenue beat(4)-93.13%
Max Revenue beat(4)-69.06%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
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 23.29
P/FCF N/A
P/OCF N/A
P/B 0.54
P/tB 0.93
EV/EBITDA N/A
EPS(TTM)-13.91
EYN/A
EPS(NY)-1.2
Fwd EYN/A
FCF(TTM)-2.71
FCFYN/A
OCF(TTM)-2.71
OCFYN/A
SpS0.37
BVpS15.97
TBVpS9.25
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -25.97%
ROE -29.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 94.08%
FCFM N/A
ROA(3y)2.03%
ROA(5y)7.79%
ROE(3y)2.96%
ROE(5y)21.5%
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 3Y5.25%
GM growth 5Y-0.04%
F-Score1
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.02
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 0.15
Quick Ratio 0.15
Altman-Z 0.82
F-Score1
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)-65.06%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%88.2%
EPS Next Y61.71%
EPS Next 2Y39.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-89.47%
Revenue growth 3Y1.61%
Revenue growth 5Y37.43%
Sales Q2Q%-85.62%
Revenue Next Year-37.64%
Revenue Next 2Y12%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-1108.96%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year60.14%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-43.89%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-43.89%
OCF growth 3YN/A
OCF growth 5YN/A