NetSol Technologies (KAR:NETSOL) Debt-to-Revenue : 0.16 (As of Mar. 2026)

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KAR:NETSOL NetSol Technologies Ltd KAR:NETSOL
78 GF Score
Price ₨124.24
GF Value ₨180.90
Valuation Possible Value Trap
! 1 Warning Sign
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What is NetSol Technologies Debt-to-Revenue?

NetSol Technologies KAR:NETSOL +1.85% 78 Debt-to-Revenue is 0.16 as of Mar. 2026. GuruFocus rates KAR:NETSOL with a GF Score™ of 78/100 and a GF Value™ of ₨180.90 (Possible Value Trap). The stock has 1 warning sign investors should review.

Debt-to-Revenue measures a company's ability to pay off its debt.

NetSol Technologies's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was ₨2,239 Mil. NetSol Technologies's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was ₨68 Mil. NetSol Technologies's annualized Revenue for the quarter that ended in Mar. 2026 was ₨14,287 Mil. NetSol Technologies's annualized Debt-to-Revenue for the quarter that ended in Mar. 2026 was 0.16.


NetSol Technologies Debt-to-Revenue Historical Data

* Premium members only.

The historical data trend for NetSol Technologies's Debt-to-Revenue can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

NetSol Technologies Debt-to-Revenue Chart

NetSol Technologies Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Debt-to-Revenue
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.38 0.29 0.22 0.17 0.22

NetSol Technologies Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Debt-to-Revenue Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.23 0.17 0.22 0.18 0.16

KAR:NETSOL vs IBM, ACN, FISV: Debt-to-Revenue Comparison

For the Information Technology Services subindustry, NetSol Technologies's Debt-to-Revenue, along with its competitors' market caps and Debt-to-Revenue data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


NetSol Technologies Debt-to-Revenue vs Software Industry

For the Software industry and Technology sector, NetSol Technologies's Debt-to-Revenue distribution charts can be found below:

* The bar in red indicates where NetSol Technologies's Debt-to-Revenue falls into.


KAR:NETSOL
78GF Score
NetSol Technologies Ltd KAR:NETSOL
Debt-to-Revenue is just one metric. See GF Score™, valuation, warning signs, and more.
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NetSol Technologies Debt-to-Revenue Calculation

Debt-to-Revenue measures a company's ability to pay off its debt.

NetSol Technologies's Debt-to-Revenue for the fiscal year that ended in Jun. 2025 is calculated as

Debt-to-Revenue=Total Debt / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(2188.428 + 13.343) / 9905.419
=0.22

NetSol Technologies's annualized Debt-to-Revenue for the quarter that ended in Mar. 2026 is calculated as

Debt-to-Revenue=Total Debt / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(2238.906 + 68.219) / 14287.292
=0.16

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Debt-to-Revenue, the Revenue of the last fiscal year is used. In calculating the annualized quarterly data, the Revenue data used here is four times the quarterly (Mar. 2026) Revenue data.

Frequently Asked Questions Learn more about Debt-to-Revenue →
What does a Debt-to-Revenue of 0.16 mean?
NetSol Technologies (KAR:NETSOL) has a Debt-to-Revenue of 0.16 as of Mar. 2026.
Is NetSol Technologies' Debt-to-Revenue too high?
NetSol Technologies' current Debt-to-Revenue is 0.16. Overall, NetSol Technologies has a GF Score™ of 78/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does NetSol Technologies' Debt-to-Revenue compare to IBM and ACN?
NetSol Technologies' Debt-to-Revenue of 0.16 can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Revenue for a Software company?
A good Debt-to-Revenue depends on the Software industry context. However, Debt-to-Revenue should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Revenue mean?
A high Debt-to-Revenue can signal that a stock is expensive relative to its fundamentals. NetSol Technologies's current Debt-to-Revenue is 0.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NetSol Technologies stock overvalued right now?
Based on GuruFocus' analysis, NetSol Technologies (KAR:NETSOL) is currently considered Possible Value Trap. The stock's GF Value™ is ₨180.90, compared to a current price of ₨124.24 — trading 31.3% below its estimated fair value. The current Debt-to-Revenue is 0.16. NetSol Technologies' overall GF Score™ is 78/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Revenue calculated?
Debt-to-Revenue is calculated from a company's financial statements. For NetSol Technologies (KAR:NETSOL), the current Debt-to-Revenue is 0.16 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is NetSol Technologies (KAR:NETSOL) Overvalued in 2026?

Based on GuruFocus' analysis, NetSol Technologies stock appears to be undervalued. The current stock price of ₨124.24 is trading 31.3% below its estimated GF Value™ of ₨180.90. GuruFocus considers NetSol Technologies to be Possible Value Trap.

Key valuation signals for KAR:NETSOL:

  • Debt-to-Revenue: 0.16
  • GF Value™: ₨180.90 vs. price of ₨124.24 (31.3% below fair value)
  • GF Score™: 78/100 with 1 warning sign

No single metric tells the full story. See the KAR:NETSOL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


NetSol Technologies Business Description

Address Lahore Ring Road, Ghazi Road Interchange, NETSOL IT Village (Software Technology Park), Lahore Cantonment, Lahore, PB, PAK, 54792
NetSol Technologies Ltd provides Information Technology services & enterprise solutions. It provides solutions for leasing and finance, healthcare technology, insurance, and e-Procurement. Its products include Enterprise Solutions, Business Intelligence, IT Consulting & Business Process Reengineering, Technology & Business Process Outsourcing, Application Development & Maintenance, Cloud Services. Its operating segments are product-based solutions and ancillary services, professional services, and business process outsourcing. Geographically, it operates in Pakistan, Asia Pacific, Australia & the USA, the UK, and other countries.
78GF Score

Get the complete analysis for KAR:NETSOL

Debt-to-Revenue is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨124.24
Price
₨180.90
GF Value