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NETCAPITAL INC (NCPL) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:NCPL - US64113L2025 - Common Stock

0.8413 USD
-0.07 (-7.56%)
Last: 12/5/2025, 8:00:01 PM
0.8322 USD
-0.01 (-1.08%)
After Hours: 12/5/2025, 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. Both the profitability and financial health of NCPL have multiple concerns. NCPL has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

NCPL had negative earnings in the past year.
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.
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 2025 0 -10M -20M

1.2 Ratios

NCPL has a worse Return On Assets (-103.46%) than 97.06% of its industry peers.
The Return On Equity of NCPL (-127.19%) is worse than 88.24% of its industry peers.
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

NCPL has a better Gross Margin (95.91%) than 96.22% of its industry peers.
In the last couple of years the Gross Margin of NCPL has remained more or less at the same level.
NCPL does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
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
Compared to 1 year ago, NCPL has a worse debt to assets ratio.
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

Based on the Altman-Z score of -2.10, we must say that NCPL is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -2.10, NCPL is doing worse than 89.50% of the companies in the same industry.
A Debt/Equity ratio of 0.05 indicates that NCPL is not too dependend on debt financing.
NCPL's Debt to Equity ratio of 0.05 is amongst the best of the industry. NCPL outperforms 81.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Altman-Z -2.1
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

NCPL has a Current Ratio of 1.04. This is a normal value and indicates that NCPL is financially healthy and should not expect problems in meeting its short term obligations.
NCPL has a Current ratio (1.04) which is in line with its industry peers.
A Quick Ratio of 1.04 indicates that NCPL should not have too much problems paying its short term obligations.
The Quick ratio of NCPL (1.04) is comparable to the rest of the 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

NCPL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 42.43%, which is quite impressive.
NCPL shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -74.33%.
Measured over the past years, NCPL shows a very negative growth in Revenue. The Revenue has been decreasing by -13.05% on average per year.
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.
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 20 40 60

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

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

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NETCAPITAL INC

NASDAQ:NCPL (12/5/2025, 8:00:01 PM)

After market: 0.8322 -0.01 (-1.08%)

0.8413

-0.07 (-7.56%)

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 Owners9.52%
Inst Owner Change941.79%
Ins Owners0.12%
Ins Owner Change0%
Market Cap4.14M
Revenue(TTM)917.30K
Net Income(TTM)-29.42M
Analysts82.86
Price TargetN/A
Short Float %2.85%
Short Ratio0.65
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 4.51
P/FCF N/A
P/OCF N/A
P/B 0.18
P/tB 0.74
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
Graham NumberN/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
ROICexgc growth 3YN/A
ROICexgc 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 -2.1
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

NETCAPITAL INC / NCPL FAQ

What is the ChartMill fundamental rating of NETCAPITAL INC (NCPL) stock?

ChartMill assigns a fundamental rating of 1 / 10 to NCPL.


What is the valuation status for NCPL stock?

ChartMill assigns a valuation rating of 0 / 10 to NETCAPITAL INC (NCPL). This can be considered as Overvalued.


How profitable is NETCAPITAL INC (NCPL) stock?

NETCAPITAL INC (NCPL) has a profitability rating of 1 / 10.


Can you provide the expected EPS growth for NCPL stock?

The Earnings per Share (EPS) of NETCAPITAL INC (NCPL) is expected to grow by 84.51% in the next year.