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NETCAPITAL INC (NCPL) Stock Fundamental Analysis

USA - NASDAQ:NCPL - US64113L2025 - Common Stock

1.81 USD
-0.06 (-3.21%)
Last: 11/14/2025, 8:09:12 PM
1.82 USD
+0.01 (+0.55%)
After Hours: 11/14/2025, 8:09:12 PM
Fundamental Rating

1

NCPL gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 237 industry peers in the Capital Markets industry. NCPL has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
In the past year NCPL has reported a negative cash flow from operations.
In multiple years NCPL reported negative net income over the last 5 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 97.47% of its industry peers.
The Return On Equity of NCPL (-127.19%) is worse than 89.03% 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

With an excellent Gross Margin value of 95.91%, NCPL belongs to the best 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.
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

The number of shares outstanding for NCPL has been increased compared to 1 year ago.
NCPL has more shares outstanding than it did 5 years ago.
The debt/assets ratio for NCPL is higher compared to a year ago.
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 -1.56. 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 of -1.56. This is amonst the worse of the industry: NCPL underperforms 88.19% of its industry peers.
A Debt/Equity ratio of 0.05 indicates that NCPL is not too dependend on debt financing.
NCPL has a better Debt to Equity ratio (0.05) than 82.70% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Altman-Z -1.56
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.
NCPL's Quick ratio of 1.04 is in line compared to the rest of the industry. NCPL outperforms 48.10% of its industry peers.
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.
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 10 20 30 40

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 (11/14/2025, 8:09:12 PM)

After market: 1.82 +0.01 (+0.55%)

1.81

-0.06 (-3.21%)

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 Change941.79%
Ins Owners0.12%
Ins Owner Change0%
Market Cap8.91M
Revenue(TTM)917.30K
Net Income(TTM)-29.42M
Analysts82.86
Price TargetN/A
Short Float %4.65%
Short Ratio1.43
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 9.71
P/FCF N/A
P/OCF N/A
P/B 0.39
P/tB 1.59
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 -1.56
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.