NCPL Fundamental Analysis - NETCAPITAL INC

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to NCPL. NCPL was compared to 238 industry peers in the Capital Markets industry. NCPL has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, NCPL is valued expensive at the moment.

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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.

In multiple years NCPL reported negative net income over the last 5 years.

In the past 5 years NCPL always reported negative operating cash flow.

1.2 Ratios

NCPL has a worse Return On Assets (-103.46%) than 97.48% of its industry peers.

Looking at the Return On Equity, with a value of -127.19%, NCPL is doing worse than 89.08% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

NCPL's Gross Margin of 95.91% is amongst the best of the industry. NCPL outperforms 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 Rank	Sector 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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

NCPL has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, NCPL has more shares outstanding

Compared to 1 year ago, NCPL has a worse debt to assets ratio.

2.2 Solvency

NCPL has an Altman-Z score of -2.06. This is a bad value and indicates that NCPL is not financially healthy and even has some risk of bankruptcy.

The Altman-Z score of NCPL (-2.06) is worse than 89.08% 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 81.51% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF	N/A
Altman-Z	-2.06

ROIC/WACCN/A

WACCN/A

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.

The Current ratio of NCPL (1.04) is comparable to the rest of the industry.

A Quick Ratio of 1.04 indicates that NCPL should not have too much problems paying its short term obligations.

With a Quick ratio value of 1.04, NCPL perfoms like the industry average, outperforming 51.68% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	1.04
Quick Ratio	1.04

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

NCPL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -4676.68%.

NCPL shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -41.68%.

NCPL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 37.43% yearly.

EPS 1Y (TTM)-4676.68%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%81.2%

Revenue 1Y (TTM)-41.68%

Revenue growth 3Y1.61%

Revenue growth 5Y37.43%

Sales Q2Q%-70.68%

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

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for NCPL. In the last year negative earnings were reported.

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 Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as NCPL's earnings are expected to grow with 39.31% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y39.31%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

NCPL does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	0%

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NETCAPITAL INC

NASDAQ:NCPL (12/19/2025, 8:05:36 PM)

After market: 0.9091 -0.01 (-0.55%)

0.9141

+0.05 (+5.53%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)12-15 2025-12-15/amc

Earnings (Next)03-16 2026-03-16

Inst Owners9.52%

Inst Owner Change941.79%

Ins Owners0.12%

Ins Owner Change0%

Market Cap4.50M

Revenue(TTM)4.95M

Net Income(TTM)-29.42M

Analysts82.86

Price TargetN/A

Short Float %4.28%

Short Ratio0.03

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0%

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 Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	4.9
P/FCF	N/A
P/OCF	N/A
P/B	0.19
P/tB	0.8
EV/EBITDA	N/A

EPS(TTM)-20.3

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 Rank	Sector 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 Rank	Sector 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	-2.06

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)-4676.68%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%81.2%

EPS Next Y61.71%

EPS Next 2Y39.31%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-41.68%

Revenue growth 3Y1.61%

Revenue growth 5Y37.43%

Sales Q2Q%-70.68%

Revenue Next Year-37.64%

Revenue Next 2Y12%

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 2 / 10 to NCPL.

What is the valuation status for NCPL stock?

ChartMill assigns a valuation rating of 1 / 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 61.71% in the next year.

NETCAPITAL INC (NCPL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens

NETCAPITAL INC / NCPL FAQ

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

What is the valuation status for NCPL stock?

How profitable is NETCAPITAL INC (NCPL) stock?

Can you provide the expected EPS growth for NCPL stock?