Netsol Technologies Limited · PSX:NETSOL
Netsol Technologies — Investor Presentation (2026)
29 slides from Netsol Technologies's investor presentation, Oct 26, 2026
Slide 1: PSX Corporate Briefing
PSX CORPORATE BRIEFING NETSOL Technologies Limited CONFIDENTIAL ©NETSOL TECHNOLOGIES LIMITED
Slide 2: Agenda
01 Corporate Introduction and History Agenda 02 Our Products and Solutions NETSOL Technologies Limited Fiscal year ended June 30, 2026 03 Non-Financial Highlights 04 Financial Overview, Segments & Key Risks 05 Positive Trends & Forward-Looking Statement CONFIDENTIAL ©NETSOL TECHNOLOGIES LIMITED
Slide 3: Corporate Introduction and History
Corporate Introduction and History CONFIDENTIAL ©NETSOL TECHNOLOGIES LIMITED
Slide 4: A trusted global leader
WHO WE ARE global clients, 40+ years of industry leadership 200+ including Fortune 500 companies A trusted global leader For four decades, NETSOL Technologies has 350+ successful implementations 30+ countries with live deployments powered asset finance and leasing for the world's leading automotive,
Slide 5: Corporate History
Corporate History BUILDING THE PLATFORM 1997 1999 2005 2006 2013 2019 NETSOL incorporated Listed on NASDAQ NTPK listed on PSX; Entered North First mobile point- Best-selling leasing in the US (NTWK) entered Europe via America via McCue; of-sale for asset solution in China, 7 CQ Systems CMMI Level 5
Slide 6: Our Products and Solutions
Our Products and Solutions CONFIDENTIAL ©NETSOL TECHNOLOGIES LIMITED
Slide 7: Transcend Platform
Transcend Platform Transcend brings together a unified platform built to help financial institutions, auto captives, OEMs, and dealers achieve greater growth and efficiency. With easy-to-use, API-first finance and leasing solutions, integrated AI services, and seamless digital retail tools, Transcen
Slide 8: What we offer
What we offer Omnichannel automotive retail The intelligent platform connecting commerce, financing and leasing, and One deal state across online and showroom wholesale through a shared API-first architecture. Cloud-native Composable Secure Desking Trade-in F&I E-sign The single platform for asset f
Slide 9: Our AI Approach: Built In. Built For You
OUR AI APPROACH: BUILT IN. BUILT FOR YOU It starts inside how we build the product, arrives as platform agents you can switch on, and extends into bespoke agents built on your own data. 01 02 03 INSIDE HOW WE BUILD READY TO USE BUILT FOR YOU Product innovation, Platform agents, Bespoke agents, enhan
Slide 10: Transcend Finance: Originations, Servicing, Wholesale Finance
A single, integrated platform designed for auto captives, commercial lenders, and financial institutions. By unifying originations, servicing, and wholesale finance, Transcend Finance streamlines operations, reduces risk, and provides real-time visibility. Faster Originations Automate credit underwr
Slide 11: Revolutionizing auto retail across online and in-store channels
Revolutionizing auto retail across online and in-store channels. True Omnichannel Experience Offer a seamless transition between online and in-store with inventory showcasing, configurators, financing calculators, and digital contract signing Powered by AI From streamlined deal structuring to AI-ass
Slide 12: Non-Financial and Financial Overview
Non-Financial and Financial Overview CONFIDENTIAL ©NETSOL TECHNOLOGIES LIMITED
Slide 13: Non-Financial Highlights
NON-FINANCIAL HIGHLIGHTS Go-lives in China and Indonesia AI skills for Pakistan A tier-one US auto captive went live on Transcend Finance NETSOL Institute of AI signed with NAVTTC to deliver 1,600 in China under a $10M+ contract, and a Chinese leasing fully funded scholarships in AI and other high-d
Slide 14: Non-Financial Highlights: Community Investment
NON-FINANCIAL HIGHLIGHTS Community investment by category, FY26 Social impact PKR 102.4M PKR 64.1M Education 62.59% · Schooling for underprivileged children, led by Developments in Literacy Foundation Invested in community Community Welfare & Social Support PKR 35.2M 34.37% · Grants to community par
Slide 15: Awards
Awards 2025 2024 Latest recognition, 2026 CSR Award CSR Award Winner category CSR Award Silver category Winner category 2023 2023 Third straight year of CSR recognition Silver 2024, Winner 2025, P@SHA ICT CSR Award Gender Diversity Winner 2026 Winner category Merit category 2021–2023 2013 & 2016 Mon
Slide 16: Financial Highlights
FINANCIAL HIGHLIGHTS Revenue Gross profit Basic EPS FY26 net profit PKR 10,476M PKR 4,489M PKR 19.45 PKR 1,679M +16% vs FY25 (PKR 9,019M); +25% vs FY25 (PKR 3,584M); +64% vs FY25 (PKR 11.89); +63% vs FY25 96% from exports. gross margin rose to 43% diluted EPS PKR 19.29. from 40%. Standalone, up from
Slide 17: Revenues Movement
REVENUES MOVEMENT Subscription & support Revenue by segment, PKR M Total revenue, FY26 PKR 10,476M +6% +16% vs FY25 (PKR 9,019M) PKR 10,476M PKR 5,574M in FY26 PKR 9,019M Services 5,574 5,262 (2%) Export share of revenue PKR 3,630M in FY26 96% 3,630 Local revenue rose to 4% from 1% in FY25 3,701 Lic
Slide 18: Key Revenue Drivers
KEY REVENUE DRIVERS One-off license sales Subscription and support Total revenue, FY26 PKR 1,273M PKR 5,574M PKR 10,476M FY25: PKR 55M +6% vs FY25 (PKR 5,262M) +16% vs FY25 (PKR 9,019M) One-time, non-recurring license revenue from Customers moved into the maintenance existing customers added PKR 1.2
Slide 19: Financial Indicators Movements
FINANCIAL INDICATORS MOVEMENTS Employees at year-end Revenue per employee, PKR M Revenue per employee, FY26 PKR 9.75M 1,172 +27% vs FY25 (PKR 7.70M) PKR 9.75M 1,075 PKR 7.70M Year-end headcount 1,075 8% fewer employees than FY25, while revenue grew 16% FY25 FY26 FY25 FY26 CONFIDENTIAL ©NETSOL TECHNO
Slide 20: Financial Indicators Movements
FINANCIAL INDICATORS MOVEMENTS Gross profit, PKR M Net profit, PKR M Basic EPS, PKR Net profit, FY26 PKR 1,679M 1,679 4,489 +63% vs FY25 (PKR 1,031M) 19.45 3,584 1,031 11.89 Basic earnings per share PKR 19.45 +64% vs FY25 (PKR 11.89) Diluted EPS PKR 19.29 (FY25: 11.71) Final dividend: PKR 1.50/share
Slide 21: Balance Sheet Overview
BALANCE SHEET OVERVIEW Total assets, PKR M Total liabilities, PKR M Total assets, FY26 PKR 17,709M +24% vs FY25 (PKR 14,255M) PKR 17,709M PKR 4,996M PKR 14,255M PKR 3,336M 2,740 10,771 8,766 1,137 Shareholders' equity PKR 12,714M 3,798 +16% vs FY25 (PKR 10,918M) 2,180 2,180 3,697 3,141 1,792 FY25 FY
Slide 22: Material Variations Explained
MATERIAL VARIATIONS EXPLAINED FY26, PKR M FY25, PKR M Change What drove the change Income statement One-off license sales of PKR 1,273M; subscription revenue rose as clients Revenue 10,476 9,019 +16% entered maintenance Revenue grew faster than cost of revenue (+10%); gross margin rose to Gross prof
Slide 23: Four-Year Track Record
FOUR-YEAR TRACK RECORD Key financial metrics, standalone, FY23–FY26 Revenue growth, FY23–FY26 10.9% a year FY23 FY24 FY25 FY26 Change vs FY25 PKR 7,670M to PKR 10,476M Revenue, PKR M 7,670 9,281 9,019 10,476 +16% Gross profit, PKR M 2,262 4,164 3,584 4,489 +25% Net profit, FY26 Net profit, PKR M 1,2
Slide 24: Operating Segments and Products
OPERATING SEGMENTS AND PRODUCTS Reportable segments, consolidated, PKR M Group revenue, FY26 FY26 FY25 PKR 12,510M Segment What it does revenue revenue FY26 result Licenses, implementation, subscription and +26% vs FY25 (PKR 9,905M) Product-based solutions 12,314 9,637 6,136 support for NETSOL’s fin
Slide 25: Key Business Risks
KEY BUSINESS RISKS Strategic Operational Cyber security Foreign exchange Risk Risk Risk Risk Shifts in the global finance and Disruption from pandemics, More frequent and sophisticated Most revenue, receivables and leasing technology market. natural disasters or other events. cyber attacks. some pay
Slide 26: Positive Trends
Positive Trends Automotive fintech Industry trends supporting growth Global leasing volume, 2024 $1.5T 16.6% CAGR • Lenders automate: high rates push finance firms to invest in efficiency and risk technology up 63% over the past decade $9.9B in 2026 to $21.3B by 2031 • Fintech lenders gain: fastest-
Slide 27: Forward Looking Statement: Where NETSOL is heading
FORWARD LOOKING STATEMENT Where NETSOL is heading Recurring Grow recurring revenue Serve global OEM Win legacy Shift to cloud subscriptions on Transcend expansion replacements Migrate the legacy installed base Supply finance and leasing Compete in originations and onto Transcend and convert technolo
Slide 28: Question & Answers Session
Question & Answers Session CONFIDENTIAL ©NETSOL TECHNOLOGIES LIMITED
Slide 29: Thank You
Thank You NETSOL Technologies CONFIDENTIAL ©NETSOL TECHNOLOGIES LIMITED