NCPL · Netcapital Inc.
Netcapital Inc (NCPL)
What's happening
- NCPL is down 18.14% today, trading at $0.83. — Live quote
- Volume today (6,673) is well below its 3-month average of 11,460,960. (Finnhub fundamentals)
- Reports earnings on 2026-09-21, 18 days away. (Finnhub earnings calendar)
- Last quarter's EPS missed estimates: $-0.44 actual vs. $-0.31 estimated (-43.8%). (Finnhub earnings history)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Key Statistics
Analyst Recommendations
Aggregate ratings for 2025-02-01 (7 analysts polled by Finnhub) — consensus count.
Performance Overview (Trailing returns vs S&P 500 benchmark)
Earnings Trends (Quarterly EPS Actual vs Estimate)
Valuation Measures & Ratios
Quarterly history (5 periods)
| Measure | Jan '26 | Oct '25 | Jul '25 | Jan '25 | Oct '24 |
|---|---|---|---|---|---|
| Market cap | $4.1M | $6.9M | $315.5K | $133.5K | $49.3K |
| P/E | -0.39 | -0.62 | -0.03 | -0.01 | -0.01 |
| Price/Sales | 8.46 | 12.18 | 0.48 | — | — |
| Price/Book | 0.19 | 0.32 | 0.01 | 0.00 | 0.00 |
| EV/Revenue | 13.34 | 16.41 | 4.12 | — | — |
| ROE | -49.03% | -51.31% | -49.28% | -29.63% | -25.62% |
| ROA | -40.64% | -43.23% | -40.08% | -25.97% | -22.85% |
Trailing-twelve-month ratios computed from SEC EDGAR quarterly figures and historical daily close prices (Alpaca). Diluted shares are derived from Net income ÷ EPS (diluted) for each quarter, not separately reported. Forward P/E and PEG aren't shown here — both need historical analyst-consensus estimates, which no free source provides; see the current-period figures above instead.
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-08-14. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Signals describe daily price patterns—not the company’s value and not a recommendation to buy or sell. Read several together; no single indicator predicts what happens next. “Overbought” and “oversold” are conditions, not promises of a reversal.
Indicators None active
Free IEX historical data only goes back to ~2021 — 5Y/Full show whatever's actually available, not a promise of that much history. Indicators are computed client-side from these same price bars; earnings markers ("E") come from Finnhub's free tier (~last 4 quarters + next upcoming) — older quarters aren't available. The move-highlight dots are a heuristic (|% change| vs rolling volatility) with a best-effort headline lookup, not a claim of causation.
Peer and sector context
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Latest SEC filing is Form 8-K, filed 2026-08-28; review it for current changes and risks. SEC EDGAR ↗
Potential concerns
- Revenue growth is -38.2% on the provider's reported measure. Finnhub fundamentals ↗
- Net profit margin is -3804.1%. Finnhub fundamentals ↗
- Trailing 52-week price return is -60.0%. Finnhub market metrics ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on NCPL
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jan '26 | Oct '25 | Jul '25 | Jan '25 | Oct '24 | Jul '24 | Apr '24 | Jan '24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $94.3K | $51.1K | $190.1K | $152.7K | $170.5K | $142.2K | — | $1.0M |
| Gross profit | $92.5K | $49.2K | $182.6K | $145.5K | $150.7K | $132.0K | — | $983.9K |
| Operating income | -$2.2M | -$2.1M | -$3.3M | -$1.7M | -$2.2M | -$2.5M | — | -$1.2M |
| Net income | -$1.8M | -$2.1M | -$3.6M | -$3.0M | -$2.2M | -$2.5M | -$2.6M | -$2.2M |
| EPS (diluted) | $-0.32 | $-0.44 | $-1.27 | $-1.57 | $-2.34 | $-5.10 | — | $-13.60 |
| EPS (basic) | $-0.32 | $-0.44 | $-1.27 | $-1.57 | $-2.34 | $-5.10 | — | $-13.60 |
| Operating margin | -$2.3K | -$4.1K | -$1.7K | -$1.1K | -$1.3K | -$1.8K | — | -$116 |
| Net margin | -$1.9K | -$4.2K | -$1.9K | -$2.0K | -$1.3K | -$1.8K | — | -$214 |
Balance sheet
| Line item | Jan '26 | Oct '25 | Jul '25 | Apr '25 | Jan '25 | Oct '24 | Jul '24 | Apr '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $26.1M | $25.4M | $28.4M | $20.9M | $39.9M | $41.9M | $41.4M | $41.6M |
| Total liabilities | $4.5M | $4.0M | $5.3M | $6.0M | $4.9M | $4.5M | $3.9M | $3.6M |
| Stockholders' equity | $21.6M | $21.4M | $23.1M | $14.9M | $35.0M | $37.4M | $37.5M | $37.9M |
| Total current assets | $1.0M | $2.0M | $5.0M | $399.6K | $672.8K | $1.4M | $924.9K | $1.0M |
| Total current liabilities | $4.0M | $3.5M | $4.8M | $5.5M | $4.4M | $4.0M | $3.4M | $3.1M |
| Cash & equivalents | — | — | — | — | — | — | — | — |
| Accounts receivable | $1.2K | $12.5K | $20.0K | $78.6K | — | $17.2K | — | $134.8K |
| Other current assets | — | — | — | — | — | — | — | — |
| Property, plant & equipment | — | — | — | — | — | — | — | — |
| Goodwill | — | — | — | — | — | — | — | — |
| Intangible assets | $19.2M | $17.5M | $17.5M | $14.7M | $14.7M | $14.7M | $14.7M | $14.7M |
| Accounts payable | $1.7M | $1.3M | $1.9M | $2.9M | $2.2M | $1.8M | $1.2M | $793.3K |
| Accrued liabilities | $262.3K | $199.7K | $235.4K | $270.0K | $251.0K | $199.2K | $236.8K | $310.3K |
| Deferred revenue (current) | $270 | $300 | — | $330 | — | — | — | — |
| Short-term debt | $1.9M | $1.9M | $1.9M | $1.9M | $1.9M | $1.9M | $1.9M | $1.9M |
| Long-term debt | $492.4K | $495.8K | $500.0K | $500.0K | $500.0K | $500.0K | $500.0K | $500.0K |
| Common stock & paid-in capital | $6.8K | $4.9K | $4.7K | $2.2K | $2.1K | $1.8K | $579 | $327 |
| Retained earnings | -$35.4M | -$33.6M | -$31.5M | -$27.8M | -$7.3M | -$4.3M | -$2.0M | $479.6K |
Cash flow
| Line item | Jan '26 | Oct '25 | Jul '25 | Apr '25 | Jan '25 | Oct '24 | Jul '24 | Apr '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -$868.7K | -$2.6M | -$4.2M | -$724.6K | -$1.2M | -$1.5M | -$2.0M | -$1.3M |
| Investing cash flow | -$100.0K | — | — | — | — | — | — | $0 |
| Financing cash flow | $0 | -$300.0K | $8.5M | $399.7K | $431.1K | $2.0M | $2.0M | $5.0K |
| Share-based compensation | $368.5K | $139.4K | $516.1K | $618.1K | $139.4K | $139.4K | $139.4K | $841.6K |
| Change in accounts receivable | -$11.2K | -$7.5K | -$58.6K | $82.8K | -$17.2K | $17.2K | -$134.8K | -$2.0M |
| Change in accounts payable | — | — | — | — | — | — | — | — |
Income statement
| Line item | Apr '25 | Apr '24 | Apr '23 | Apr '22 | Apr '21 |
|---|---|---|---|---|---|
| Revenue | $869.5K | $5.0M | $8.5M | $5.5M | $4.7M |
| Gross profit | $829.1K | $4.8M | $8.4M | $5.4M | $4.0M |
| Operating income | -$8.3M | -$3.4M | $2.3M | -$1.0M | -$401.5K |
| Net income | -$28.3M | -$5.0M | $3.0M | $3.5M | $1.5M |
| EPS (diluted) | $-20.39 | $-28.83 | $0.63 | $1.27 | $0.89 |
| EPS (basic) | $-20.39 | $-28.83 | $0.63 | $1.31 | $1.18 |
| Operating margin | -$957 | -$70 | $27 | -$19 | -$9 |
| Net margin | -$3.3K | -$101 | $35 | $64 | $31 |
Balance sheet
| Line item | Apr '25 | Apr '24 | Jan '24 | Oct '23 | Jul '23 |
|---|---|---|---|---|---|
| Total assets | $20.9M | $41.6M | — | — | — |
| Total liabilities | $6.0M | $3.6M | — | — | — |
| Stockholders' equity | $14.9M | $37.9M | $40.3M | $39.1M | $38.5M |
| Total current assets | $399.6K | $1.0M | — | — | — |
| Total current liabilities | $5.5M | $3.1M | — | — | — |
| Cash & equivalents | — | — | — | — | — |
| Accounts receivable | $78.6K | $134.8K | — | — | — |
| Other current assets | — | — | — | — | — |
| Property, plant & equipment | — | — | — | — | — |
| Intangible assets | $14.7M | $14.7M | — | — | — |
| Accounts payable | $2.9M | $793.3K | — | — | — |
| Accrued liabilities | $270.0K | $310.3K | — | — | — |
| Short-term debt | $1.9M | $1.9M | — | — | — |
| Long-term debt | $500.0K | $500.0K | — | — | — |
| Common stock & paid-in capital | $2.2K | $327 | — | — | — |
| Retained earnings | -$27.8M | $479.6K | — | — | — |
Cash flow
| Line item | Apr '25 | Apr '24 | Apr '23 | Apr '22 | Apr '21 |
|---|---|---|---|---|---|
| Operating cash flow | -$5.3M | -$4.9M | -$4.6M | -$3.0M | -$3.3M |
| Investing cash flow | — | -$20.0K | $200.0K | -$319.2K | $242.0K |
| Financing cash flow | $4.8M | $5.2M | $4.5M | $1.3M | $5.5M |
| Share-based compensation | $757.5K | $1.3M | $269.6K | $1.2M | $680.6K |
| Change in accounts receivable | -$52.1K | $293.8K | -$1.0M | $1.2M | $1.4M |
| Change in accounts payable | — | — | — | — | — |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding NCPL as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 13 most recent filings · covers 2019-09-09 to 2024-04-24
Insider purchases & sales, last 6 months
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| Geary Steven F | Director | Open market purchase | 2024-04-24 | 239,274 |
| Lenk Cecilia | CEO, Chair of Board | Open market purchase | 2019-09-09 | 25,000,000 |
| Kraysler Coreen Sarah | CFO | Open market purchase | 2019-09-09 | 25,000,000 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-09-03 11:47 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-08-28 | 8-K | 2026-08-24 | View on SEC.gov → |
| 2026-08-25 | 8-K | 2026-08-19 | View on SEC.gov → |
| 2026-08-18 | 8-K | 2026-08-12 | View on SEC.gov → |
| 2026-08-10 | 8-K | 2026-08-06 | View on SEC.gov → |
| 2026-07-09 | 8-K | 2026-07-02 | View on SEC.gov → |
| 2026-07-08 | 8-K | 2026-07-02 | View on SEC.gov → |
| 2026-06-16 | 8-K | 2026-06-10 | View on SEC.gov → |
| 2026-06-10 | 8-K | 2026-06-05 | View on SEC.gov → |
| 2026-06-10 | 8-K | 2026-06-04 | View on SEC.gov → |
| 2026-06-04 | 8-K | 2026-05-31 | View on SEC.gov → |
| 2026-05-28 | 8-K | 2026-05-22 | View on SEC.gov → |
| 2026-05-18 | 8-K | 2026-05-12 | View on SEC.gov → |
Recent news
Headlines about NCPL (Netcapital Inc.). Links open the publisher — we don’t host full articles.
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No headlines in this category right now — try “All”.