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NETCAPITAL INC (NCPL) Stock Fundamental Analysis

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

3.53  +0.34 (+10.66%)

Fundamental Rating

3

Taking everything into account, NCPL scores 3 out of 10 in our fundamental rating. NCPL was compared to 236 industry peers in the Capital Markets industry. NCPL may be in some trouble as it scores bad on both profitability and health. 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

NCPL had negative earnings in the past year.
In the past year NCPL has reported a negative cash flow from operations.
Of the past 5 years NCPL 4 years were profitable.
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 0 2M -2M -4M

1.2 Ratios

Looking at the Return On Assets, with a value of -25.97%, NCPL is doing worse than 90.25% of the companies in the same industry.
NCPL has a worse Return On Equity (-29.63%) than 85.17% 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

Looking at the Gross Margin, with a value of 94.08%, NCPL belongs to the top of the industry, outperforming 94.49% of the companies in the same industry.
NCPL's Gross Margin has been stable in the last couple of years.
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 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

Compared to 1 year ago, NCPL has less shares outstanding
Compared to 5 years ago, NCPL has less shares outstanding
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 0.77. This is a bad value and indicates that NCPL is not financially healthy and even has some risk of bankruptcy.
NCPL has a Altman-Z score (0.77) which is in line with 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.
Looking at the Debt to Equity ratio, with a value of 0.02, NCPL belongs to the top of the industry, outperforming 83.90% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Altman-Z 0.77
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.
With a Current ratio value of 0.15, NCPL is not doing good in the industry: 90.68% of the companies in the same industry are doing better.
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's Quick ratio of 0.15 is on the low side compared to the rest of the industry. NCPL is outperformed by 90.25% 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

NCPL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -65.06%.
The Revenue for NCPL has decreased by -89.47% in the past year. This is quite bad
NCPL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 37.43% yearly.
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

NCPL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 39.31% yearly.
The Revenue is expected to grow by 12.00% on average over the next years. This is quite good.
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

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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 30

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

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 (7/28/2025, 5:20:01 PM)

3.53

+0.34 (+10.66%)

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 Change0%
Ins Owners0.26%
Ins Owner Change0%
Market Cap16.13M
Analysts82.86
Price Target2.3 (-34.84%)
Short Float %11.93%
Short Ratio0.83
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 19.85
P/FCF N/A
P/OCF N/A
P/B 0.46
P/tB 0.8
EV/EBITDA N/A
EPS(TTM)-13.91
EYN/A
EPS(NY)-1.2
Fwd EYN/A
FCF(TTM)-1.3
FCFYN/A
OCF(TTM)-1.3
OCFYN/A
SpS0.18
BVpS7.65
TBVpS4.43
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 0.77
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