Slide 1: Investor Overview
Investor Overview NETSOL Technologies ©NETSOL TECHNOLOGIES, INC
Slide 2: Safe harbor statement
Safe harbor statement This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 regarding the company's products and services, expectations for future operations, fiscal 2027 guidance for revenues, gross margin and adjusted EBITD
Slide 3: Why NETSOL Technologies
Why NETSOL Technologies NETSOL is a provider of AI-enabled solutions and services powering OEMs, dealerships and financial institutions to sell, finance and lease assets. • Global mobility and asset finance are large, Proven globally Fortune 500 expanding trillion-dollar markets. Americas Dozens of
Slide 4: Two trillion-dollar markets, one connected platform
Two trillion-dollar markets, one connected platform Global mobility and asset finance are large markets with strong long-term growth tailwinds. Asset finance Global mobility $1.54T 16.2M Global new leasing volume, 2024 (latest reported)¹ U.S. new light-vehicle sales, 2025 full year (+2.4% YoY)³ Two
Slide 5: The only platform on both sides of the transaction
The only platform on both sides of the transaction Transcend connects the dealer's retail experience with the lender's core origination and servicing systems, on one connected foundation. End-to-end by design Commerce, financing and wholesale on one core, no handoffs Configurable, not customized Ado
Slide 6: How a customer relationship compounds
How a customer relationship compounds 2.5–3x 10+ years 18–24 months typical customer spend over ten years typical relationship length; to replace NETSOL once installed: versus the initial contract value ~5-year initial terms, renewed the switching barrier Implement Go-live Expand Renew Years 1–2 Mil
Slide 7: Global presence
Global presence Total FY26 revenue $74.4M, +12.5%, a company record. APAC Europe North America $51.3M* $14M* $9.1M* 68.9% of total 18.9% of total 12.2% of total revenues revenues revenues • Significant market presence • Deep relationships across banks, • US is the largest asset finance lenders and b
Slide 8: Revenue and recurring revenue
Revenue and recurring revenue USD ($M) 80 74.4 70 66.1 61.4 60 52.4 • Fiscal 2026 revenue of $74.4 million, the 50 highest in NETSOL's history 40 35.8 • Exceeded fiscal 2026 full-year revenue 32.9 30 28 guidance of $73 million 26 20 • Annualized recurring revenue up 8.7% 10 year-over-year to $35.8 m
Slide 9: Strong balance sheet
Strong balance sheet USD ($M) 45 41.6 • Cash and cash equivalents were $27.1 40 36.8 37.8 million as of June 30, 2026, compared with 34.8 35 $17.4 million as of June 30, 2025 30 29.2 • Cash increased due to strong operating 27.1 26.6 cash generation for the full year, including 25 23.6 20.8 the coll
Slide 10: Quarterly revenue growth and gross margins
Quarterly revenue growth and gross margins 13.9% annual CAGR (16 quarters, Q1 FY23–Q4 FY26) 25 70 63.6 20.7 60 20 50 Revenue (USD $M) Gross margin (%) 15 40 12.7 33.5 30 10 20 5 10 0 0 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 Q4'26 Revenue Gross margi
Slide 11: Metrics we run on
Metrics we run on Recurring revenue: $35.8M, +8.7%, ~half of total. Quarterly recurring subscription and support revenue 11.2% annual CAGR Subscription and support revenue; (16 quarters, Q1 FY23–Q4 FY26) reported every quarter. 10 8.9 9 Contracted revenue: $60M as of 8 June 30, 2026. 7 6.0 Revenue e
Slide 12: Board and leadership
Board and leadership Executive leadership Najeeb Ghauri Sardar Abubakr Asad Ghauri Kamran Khalid Founder, Chairman & Chief Executive Chief Financial Officer Globa l Head of Sales & GM D Chief Product & Delivery Officer NG Officer SA AG KK Took NETS OL public in 1999; led a 20+ years across telecom a
Slide 13: Strategic priorities and catalysts
Strategic priorities and catalysts PRIORITY PROGRESS TO DATE WHAT TO WATCH Fortune 500 dealer group building its digital retail standard on 1 Scale Transcend Retail across the Transcend; ~350-dealership rollout underway with a premium global Go-lives converting to subscription revenue U.S. dealer ma
Slide 14: Summary
Summary • Strategic priorities for FY27 • Scale Transcend Retail across the U.S. dealer market — Fortune 500 dealer group building its digital retail standard on our platform; ~350-dealership rollout NETSOL is a global underway with a premium global OEM leader in asset • Upgrade the legacy install b
Slide 15: Thank You
Thank You NETSOL Technologies 816 Congress Avenue, Austin, Texas 78701 +1 818.222.9195 info@netsoltech.com ©NETSOL TECHNOLOGIES, INC