Netcapital Inc (NCPL) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Netcapital Inc stock (NCPL) is currently trading at $0.46. Netcapital Inc PS ratio (Price-to-Sales) is 5.02. Analyst consensus price target for NCPL is $2.25. WallStSmart rates NCPL as Sell.
- NCPL PE ratio analysis and historical PE chart
- NCPL PS ratio (Price-to-Sales) history and trend
- NCPL intrinsic value — DCF, Graham Number, EPV models
- NCPL stock price prediction 2025 2026 2027 2028 2029 2030
- NCPL fair value vs current price
- NCPL insider transactions and insider buying
- Is NCPL undervalued or overvalued?
- Netcapital Inc financial analysis — revenue, earnings, cash flow
- NCPL Piotroski F-Score and Altman Z-Score
- NCPL analyst price target and Smart Rating
Netcapital Inc
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Smart Analysis
Netcapital Inc (NCPL) · 8 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book. Concerns around market cap and return on equity. Significant fundamental concerns warrant caution or avoidance.
Netcapital Inc (NCPL) Key Strengths (1)
Trading below book value, meaning the market prices it less than net assets
Supporting Valuation Data
Netcapital Inc (NCPL) Areas to Watch (7)
Company is destroying shareholder value
Losing money on operations
Revenue declining -38.20%, a shrinking business
Earnings declining -10.00%, profits shrinking
Very low institutional interest at 3.06%
Micro-cap company with very limited liquidity and high volatility
Premium valuation at 5.0x annual revenue
Supporting Valuation Data
Netcapital Inc (NCPL) Detailed Analysis Report
Overall Assessment
This company scores 21/100 in our Smart Analysis, earning a F grade. Out of 8 metrics analyzed, 1 register as strengths (avg 10.0/10) while 7 fall into concern territory (avg 1.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book. Valuation metrics including Price/Book (0.17) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Return on Equity, Operating Margin, Revenue Growth. Some valuation metrics including Price/Sales (5.02) suggest expensive pricing. Growth concerns include Revenue Growth at -38.20%, EPS Growth at -10.00%, which may limit upside. Profitability pressure is visible in Return on Equity at -99.50%, Operating Margin at -2362.00%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -99.50% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -38.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and Operating Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NCPL Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NCPL's Price-to-Sales ratio of 5.02x trades 28% below its historical average of 7x (70th percentile). The current valuation is 90% below its historical high of 51.27x set in Jun 2025, and 25000% above its historical low of 0.02x in Oct 2020. Over the past 12 months, the PS ratio has expanded from ~2.7x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Netcapital Inc (NCPL) · FINANCIAL SERVICES › CAPITAL MARKETS
The Big Picture
Netcapital Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 739,500 with 38% decline year-over-year.
Key Findings
Debt-to-equity ratio of 0.02 indicates a conservative balance sheet with 2M in cash.
Revenue contracted 38% YoY. Worth determining whether this is cyclical or structural.
Free cash flow is -868,748, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Sector dynamics: monitor CAPITAL MARKETS industry trends, competitive moves, and regulatory changes that could impact Netcapital Inc.
Bottom Line
Netcapital Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 10:04:25 AM
About Netcapital Inc(NCPL)
NASDAQ
FINANCIAL SERVICES
CAPITAL MARKETS
USA
Netcapital Inc. is a fintech company. The company is headquartered in Boston, Massachusetts.