Todd Felte

- **NETSOL Technologies (NTWK)** has launched **Check AI**, an **AI-powered credit decisioning engine** designed to revolutionize the credit underwriting process for OEMs, dealerships, and financial institutions.  **[1039280_1a90e6f9e7b24cf89773faaae59d6321_0]** 
- Check AI is an **AI-native solution** integrated into the company's **Transcend Finance platform**, aiming to **streamline and enhance the credit evaluation lifecycle** by automating manual tasks, accelerating decision times, and improving underwriting accuracy.  **[1039280_1a90e6f9e7b24cf89773faaae59d6321_0]** 
- The engine leverages **deep reasoning, intelligent automation, and agentic workflows** to convert data into actionable credit decisions in real-time, and can generate **comprehensive, AI-driven research reports**.  **[1039280_1a90e6f9e7b24cf89773faaae59d6321_1]** 
- It incorporates a **human-in-the-loop approach** to ensure critical oversight, safeguard against bias, support regulatory compliance, and maintain high levels of accuracy and fairness.  **[1039280_1a90e6f9e7b24cf89773faaae59d6321_1]** 
- According to a Rudder Analytics article, using AI in credit processing decisions can **reduce credit approval cycles by up to 60%**, potentially translating into millions of dollars in savings for companies.  **[1039280_1a90e6f9e7b24cf89773faaae59d6321_1]**

NETSOL Technologies Launches Check AI, an AI-Native Credit Decisioning Engine

- NetSol Technologies reported a strong fiscal **Q4 2025**, with total net revenues increasing **11.9%** to **$18.4 million**, and full-year fiscal **2025** revenues reaching **$66.1 million**.  **[1039280_2162303_3]**  Non-GAAP EBITDA for Q4 2025 nearly quadrupled to **$4.7 million** ($0.40 per diluted share) compared to the prior year.  **[1039280_2162303_3]** 
- The company's strategy of migrating to a **subscription-first model** is accelerating, with total subscription and support revenues growing **9.9%** in Q4 to **$8.2 million** and reaching **$32.9 million** for the full fiscal year.  **[1039280_2162303_3]** **[1039280_2162303_1]**  This shift is reflected in a decline in license fees.  **[1039280_2162303_3]** 
- NetSol secured significant contract wins, including a **$16 million five-year contract** with a major U.S. automaker, an upgrade deal with a major Chinese automotive finance company involving over 3 million contracts, and new deployments in Australia, the Netherlands, and Oman, marking its entry into the Middle East.  **[1039280_2162303_1]** **[1039280_2162303_2]** 
- The company officially launched its **AI-powered Transcend platform** and **Transcend AI Labs**, focusing on AI-first enhancements and automation, and strengthened its leadership team with key senior-level appointments.  **[1039280_2162303_1]** **[1039280_2162303_2]**

NetSol Technologies Reports Strong Q4 and Full-Year Fiscal 2025 Results, Driven by Subscription Growth and Strategic Wins

- For fiscal year 2025, NETSOL Technologies reported **total revenue of $66 million**, an **8% increase** compared to the prior year, with **subscription and support revenues growing 18% to $32.9 million**.  **[1039280_0001493152-25-016068_ex99-1.htm:0]** 
- The company's GAAP earnings per diluted share for fiscal year 2025 was **$0.25**, a significant increase from $0.06 in fiscal year 2024.  **[1039280_0001493152-25-016068_ex99-1.htm:0]** **[1039280_0001493152-25-016068_ex99-1.htm:2]** 
- In the fourth quarter of fiscal 2025, total net revenues increased **11.9% to $18.4 million**, and GAAP net profit attributable to NETSOL was **$2.6 million, or $0.22 per diluted share**, compared to a net loss in the prior year period.  **[1039280_0001493152-25-016068_ex99-1.htm:1]** 
- Gross margins improved for both the full fiscal year 2025 to **49.3%** (from 47.7% in FY 2024) and for the fourth quarter of fiscal 2025 to **56.2%** (from 51.5% in Q4 2024).  **[1039280_0001493152-25-016068_ex99-1.htm:0]**

NETSOL Technologies Announces Fiscal 2025 Fourth Quarter and Full-Year Results

- NETSOL Technologies reported a **total revenue increase of 8% to $66 million** for fiscal year 2025 and an **11.9% increase to $18.4 million** for the fourth quarter of fiscal 2025.  **[1039280_4c01eb728cd84fd79ee2c022fea2fa25_0]** 
- Subscription and Support revenues grew **18% to $32.9 million** in FY'25 and **9.9% to $8.2 million** in Q4'25.  **[1039280_4c01eb728cd84fd79ee2c022fea2fa25_0]** 
- The company achieved **gross margins of 49.3%** for FY'25, up from 47.7% in FY'24, and **56.2%** for Q4'25, up from 51.5% in Q4'24.  **[1039280_4c01eb728cd84fd79ee2c022fea2fa25_0]** 
- Diluted earnings per share (EPS) for FY'25 were **$0.25**, a significant increase from $0.06 in FY'24, and **$0.22** for Q4'25, compared to a net loss of $0.01 in Q4'24.  **[1039280_4c01eb728cd84fd79ee2c022fea2fa25_0]** **[1039280_4c01eb728cd84fd79ee2c022fea2fa25_1]** 
- As of June 30, 2025, cash and cash equivalents stood at **$17.4 million**, and total stockholders' equity was **$37.8 million**.  **[1039280_4c01eb728cd84fd79ee2c022fea2fa25_2]**

- **NETSOL Technologies, Inc.** has signed a **multi-million-dollar contract** with a top-tier auto captive finance company of Japanese origin in Australia.  **[1039280_f58609d805ee411db2ab5ee264a5f46a_0]** 
- The agreement is a **long-term five-year contract** structured on a monthly recurring revenue model.  **[1039280_f58609d805ee411db2ab5ee264a5f46a_0]** 
- The contract covers the deployment of NETSOL’s flagship **Transcend Finance platform** across operations in **Australia and New Zealand**.  **[1039280_f58609d805ee411db2ab5ee264a5f46a_0]** 
- This engagement builds on a **long-standing global relationship** with the customer dating back to 2008 and involves strategic upgrades from existing systems and new deployments, replacing competitor solutions.  **[1039280_f58609d805ee411db2ab5ee264a5f46a_0]**

NETSOL TECHNOLOGIES (NTWK)