Is NETSOL TECHNOLOGIES INC (NTWK) Halal?
Shariah Screening — 5 Standards
Based on financial data from June 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 20.5% / 30% | 39.0% / 30% | 58.7% / 30% | 2.83% / 5% | ✗ NOT HALAL |
| DJIM | 20.5% / 33% | 39.0% / 33% | 58.7% / 33% | 2.83% / 5% | ✗ NOT HALAL |
| MSCI | 14.6% / 33% | 27.8% / 33% | 41.9% / 33% | 2.83% / 5% | ✗ NOT HALAL |
| S&P | 20.5% / 33% | 39.0% / 33% | 58.7% / 33% | 2.83% / 5% | ✗ NOT HALAL |
| FTSE | 14.6% / 33% | 27.8% / 33% | 41.9% / 50% | 2.83% / 5% | ✓ HALAL |
Financial Highlights
Profitability
| Gross Margin | 48.8% | |
| Operating Margin | 6.9% | |
| Net Margin | 2.7% | |
| Return on Equity (ROE) | 10.7% | |
| Return on Assets (ROA) | 4.3% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $447,267 |
| Free Cash Flow | -$935,503 |
| Total Debt | $9M |
| Debt-to-Equity | 23.4 |
| Current Ratio | 2.3 |
| Total Assets | $62M |
Price & Trading
| Last Close | $3.39 |
| 50-Day MA | $3.39 |
| 200-Day MA | $3.68 |
| Avg Volume | 37K |
| Beta | 0.9 |
|
52-Week Range
$2.14
| |
About NETSOL TECHNOLOGIES INC (NTWK)
NetSol Technologies, Inc. engages in the design, development, marketing, and export of enterprise software solutions to the automobile financing and leasing, banking, and financial services industries in North America, Europe, and Asia Pacific. The company provides various platforms, including Transcend Platform for digital retail and finance; Originations, an AI-powered loan origination platform; Servicing, a next-gen loan and lease servicing software; Wholesale finance; Mobility solutions; and AI labs. It provides flex, a platform for contract calculations; dock, for rapid document generation; lan, a system for asset leasing and loans; hubex, an API library; index, a lending configuration repository; Tax Engine; PayOff, a platform for early contract closures; Modifi, a platform for Contract Modification; Receive Now, an receivables management platform. The company offers advanced information security services; digital solutions; AI-powered automotive and equipment finance software; AI and ML services and gen AI solutions; digital policy and strategy. Further it provides cloud services, such as managed, cloud infrastructure, development and integrations, SAAS development, devops, and MLOPS and model management, and data engineering services. It serves automobiles, equipment, bank, captive and wholesale industries. The company was incorporated in 1997 and is headquartered in Encino, California.
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Frequently Asked Questions
Is NETSOL TECHNOLOGIES INC (NTWK) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), NETSOL TECHNOLOGIES INC is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is NETSOL TECHNOLOGIES INC's debt ratio?
NETSOL TECHNOLOGIES INC's debt ratio is 20.5% under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%. Under MSCI and FTSE (which use total assets as the denominator), the debt ratio is 14.6%.
What are NETSOL TECHNOLOGIES INC's key financial metrics?
NETSOL TECHNOLOGIES INC has a market capitalization of $39M, trailing P/E ratio of 20.6, and revenue of $66M. The company maintains a gross margin of 48.8% and a net margin of 2.7%. Return on equity stands at 10.7%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.