Stock Ratings / Financials / NCPL / financials

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Netcapital Inc. (NCPL) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$1.78 +61.82% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Netcapital Inc. (NCPL) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $14.3M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+1.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NCPL)Realized 20D OHLCV Swing Band: ±12.5%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How NCPL Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$399.6K (0% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $5.0M

FY24

Rev $869.5K

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$0	$0	15%
FY 2024	$869.5K	52%	-80%	-$28.3M	-$5.3M	-18.8%
FY 2023	$5.0M	52%	-69.5%	-$5.0M	-$4.9M	15%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring NCPL)

✓Walkthrough of NCPL's RQD Radar, SEC cash-conversion gap & downside invalidation levels
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NCPL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +368.42%📐 HORIZONTAL RANGE

2026-10-30O $2.12H $2.39L $1.50C $1.78VOL 22.27M

RES: $2.78SUP: $0.10SMA50: $1.08SMA200: $0.67

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NCPL Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NCPL Butterfly Map → + Track NCPL →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on NCPL today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NCPL. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for NCPL today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NCPL)

Financials Rank #476 of 1096 ⚔️ BENF vs NCPL Full Matrix →

1. Head-to-Head Financials Peer Comparison (NCPL vs. BENF, BCG, ICMB, ORIO)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Netcapital Inc. (NCPL) ranks #476 by composite RQD confidence (61/100, grade C-) and #1068 by equity capitalization ($14.3M). Within this direct 5-issuer industry benchmark cohort, BCG leads on earnings valuation at 8.0x trailing P/E, while BCG leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. NCPL currently leads its immediate peer cohort in composite quantitative strength at 61/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
NCPL ACTIVE Netcapital Inc.	C-	61/100	—	—	—	+61.82%	$14.3M	Benchmark Subject
BENF Beneficient (Class A)	D-	43/100	—	—	-35.0%	-2.30%	$15.3M	/benf-vs-ncpl →
BCG Binah Capital Group Inc.	D+	57/100	8.0x	—	12.6%	+2.77%	$18.4M	/bcg-vs-ncpl →
ICMB Investcorp Credit Management BDC Inc.	D+	55/100	—	—	-14.9%	+0.07%	$10.8M	/icmb-vs-ncpl →
ORIO Orion Digital Corp.	C-	60/100	—	—	—	-3.47%	$20.5M	/orio-vs-ncpl →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2026-01-31 • CIK 0001414767

In its most recent audited fiscal period (FY2025, filed 2026-01-31), Netcapital Inc. (NCPL) reported GAAP revenue of $0 (-100.0% vs. FY2024 revenue of $869.5K , and -100.0% cumulative change since FY2023) , GAAP net income of $0, operating cash flow of $0, and free cash flow of $0 . On the balance sheet, NCPL closed FY2025 with $26.1M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: N/A).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2026-01-31	$0	$0	—	—	$26.1M	—
FY2024 (FY)	2025-04-30	$869.5K	-$28.3M	-$5.3M	-$5.3M	$39.9M	—
FY2023 (FY)	2024-04-30	$5.0M	-$5.0M	-$4.9M	-$4.9M	—	—

3. NCPL Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NCPL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Netcapital Inc. (NASDAQ: NCPL) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $1.78 (+61.82% 1D, market cap $14.3M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, NCPL ranks #476 in composite RQD confidence.

How does NCPL compare to BENF and BCG in the Financials sector?

Within the Financials sector (Finance: Consumer Services), NCPL carries a Roarable C- (61/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, BENF (Beneficient (Class A)) holds a D- grade (43/100 RQD, P/E N/A, ROIC -35.0%, cap $15.3M) and BCG (Binah Capital Group Inc.) posts a D+ grade (57/100 RQD, P/E 8.0x, ROIC 12.6%, cap $18.4M). Among the 5-stock peer group, BCG leads on earnings multiple (8.0x) while BCG leads on capital efficiency (12.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NCPL?

Per NCPL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-01-31, CIK 0001414767), Netcapital Inc. generated $0 in revenue (-100.0% YoY), $0 in net income, and $0 in free cash flow against $26.1M in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NCPL trading relative to its 50-day, 200-day, and 52-week technical levels?

NCPL last traded at $1.78 (+61.82% on volume of 53,954,041 shares), positioning the stock +64.81% above its 50-day simple moving average ($1.08) and +165.67% above its 200-day simple moving average ($0.67). Across its 52-week range of $0.21 to $2.66, NCPL sits at the 64.1% percentile with a 14-day RSI of 52.3 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($1.56 to $2.00).