NETSOL TECHNOLOGIES INC

NETSOL Technologies, Inc. (NASDAQ: NTWK) is a global software and services company headquartered in Encino, California and operating through offices across North America, Europe, Asia Pacific, and the Middle East. The company's website is located at https://netsoltech.com/.

Founded in 1996, NETSOL specializes in providing artificial intelligence-powered, scalable technology solutions primarily to the global asset finance and leasing industry, as well as digital retail platforms for original equipment manufacturers, dealer groups, and dealerships. The company serves customers across more than 30 countries, including blue-chip organizations, Fortune 500 companies, global vehicle manufacturers through their captive finance companies, equipment finance and leasing companies, commercial lenders, banks, and other financial institutions.

NETSOL's core business generates revenue from four primary sources: software licenses, subscription-based pricing, implementation and customization services, and post-implementation support services. The company offers its solutions through both traditional on-premises licensing models and cloud-based subscription delivery models. The company's unified Transcend Platform serves as its flagship offering, encompassing Transcend Retail for digital automotive and equipment retail, Transcend Finance for originations and servicing operations, and Transcend Marketplace, which provides modular, API-first solutions including products such as Flex, Hubex, Index, Dock, Lane, and Link.

Key customers include major automotive captive finance companies such as Daimler and BMW, which collectively represented approximately 35.2 percent of revenue in fiscal year 2025, along with Toyota, Nissan, Ford, and FIAT. Additional customers include equipment finance companies, regional banks, and financial institutions worldwide.

The company operates with approximately 1,460 employees globally and maintains significant owned facilities including its Lahore Technology Campus in Pakistan, consisting of approximately 140,000 square feet of office and computer space. NETSOL generates both core revenue from its primary software and services business and non-core revenue through business process outsourcing, IT services, and internet services. The company competes in the asset finance technology space against vendors including FIS Global, Solifi, Odessa, and others, while competing in digital retail against companies such as Tekion and CDK Global.