Stock Ratings / Financials / NCPL / options

BENF (35) BCG (51) ICMB (40) ORIO (48) ⌘ Pro Terminal →

Netcapital Inc. (NCPL) Options Positioning, Max Pain & Unusual Sweeps

$1.59 -10.67% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $1.56

Netcapital Inc. (NCPL) carries a Roarable Rating of C (Hold) with 63/100 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.

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $14.3M

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on NCPL Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is NCPL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

▼

As of 2026-11-02, Netcapital Inc. (NASDAQ: NCPL) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $1.59 (-10.67% 1D, market cap $14.3M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 16/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, NCPL ranks #360 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does NCPL compare to BENF and BCG in the Financials sector?

▼

Within the Financials sector (Finance: Consumer Services), NCPL carries a Roarable C (63/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, BENF (Beneficient (Class A)) holds a D- grade (35/100 RQD, P/E N/A, ROIC -35.0%, cap $15.3M) and BCG (Binah Capital Group Inc.) posts a D grade (51/100 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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) 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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $1.56 (-2.11%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

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 C- · Rk C+

Each axis scored 0–20

12M PRICE TARGET CONE+2.5% Base Target

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

Deterministic 5-Pillar Attribution (63/100 Composite)

🔍 WHY NCPL SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+16/20 pts (25% of score)

20D Institutional Volume Accumulation (±12.5% realized swing band)

▲ #2 Bullish Driver: Macro Regime Fit+14/20 pts (22% of score)

FRED Regime × Technicals: 56% of 52W Range • RSI-14 at 54.6 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution9/20 pts (-11 pt drag)

Disciplined Float (-0.40% YoY Shares) & executive Form 4 sales trim 11 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$1.54+5.8% Next Q

Q2 (-2Q)

Grade C$1.63-18.4% Next Q

Q3 (-1Q)

Grade C$1.33+19.5% Next Q

Current

Grade C$1.59+0.9% Hist 90D α

Trajectory: C (55) → C (63)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the NCPL Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, NCPL faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Disciplined Float (-0.40% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($1.11) or 200D SMA ($0.68) invalidates the momentum regime and cuts Target Base ($1.63) toward Bear Floor ($1.27).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NCPL• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “NCPL Beats Next Quarter EPS Consensus (Jan 30, 2027) & Holds Above 200D SMA”

YES 63%NO 37%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±12.5%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (NCPL)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for NCPL.

Sponsored / Partner SpotlightACTIVE TRADER & PROP EVALUATION DESK

Practice in Our Weekly $100,000 Paper Arena Before Risking Personal Capital

Keep your personal nest egg in cash while trading NQ, ES, Crude, and Gold momentum using institutional prop-desk buying power.

FTC Disclosure: Roarable may receive partner referral compensation at no cost to you. Partner relationships never influence RQD scores.

🏆 Enter Free $100K Paper Arena →

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating NCPL & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on NCPL
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

NCPL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +318.42%📐 HORIZONTAL RANGE

2026-11-02O $1.10H $1.78L $1.10C $1.59VOL 53.95M

RES: $2.79SUP: $0.10SMA50: $1.11SMA200: $0.68

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 #360 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 #360 by composite RQD confidence (63/100, 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 63/100 (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	63/100	—	—	—	-10.67%	$14.3M	Benchmark Subject
BENF Beneficient (Class A)	D-	35/100	—	—	-35.0%	-8.88%	$15.3M	/benf-vs-ncpl →
BCG Binah Capital Group Inc.	D	51/100	8.0x	—	12.6%	0.00%	$18.4M	/bcg-vs-ncpl →
ICMB Investcorp Credit Management BDC Inc.	D-	40/100	—	—	-14.9%	-4.73%	$10.8M	/icmb-vs-ncpl →
ORIO Orion Digital Corp.	D	48/100	—	—	—	+0.15%	$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?

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

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

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

NCPL last traded at $1.59 (-10.67% on volume of 22,444,589 shares), positioning the stock +43.24% above its 50-day simple moving average ($1.11) and +133.82% above its 200-day simple moving average ($0.68). Across its 52-week range of $0.21 to $2.66, NCPL sits at the 56.3% percentile with a 14-day RSI of 54.6 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($1.39 to $1.79).

NCPL Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is NCPL's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for NCPL.

Direct Sub-Reports: NCPL RQD Cockpit NCPL 12M Forecast NCPL Earnings & Move NCPL Dividends & DRIP NCPL Insiders & 13F NCPL Whale Options NCPL Profit Sankey NCPL News & Why

ROARABLE RATING BRIEF • RQD 63/100 (C) ✓ STAGE-C NUMBER FIREWALL VERIFIED

NCPL — Netcapital Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:50:46Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, NCPL scores 63 out of 100, a letter grade of C, with the verdict "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are:

Fundamental Cash Engine: 11 / 20. The rating reports ROIC of 0% and FCF yield of 0%. For a prospective investor, this pillar signals that the business is not currently generating returns on capital or free cash flow that would support valuation on cash-flow grounds.
Whale 13F Flow: 16 / 20. The rating describes institutional accumulation and options positioning as a relative strength. This is the highest-scoring pillar and indicates that institutional activity is a meaningful part of the setup, though the source data does not itemize the holdings (see Analyst View).
Insider Conviction: 9 / 20. The rating references SEC Form 4 and Congressional PTR cluster flow at a low score. This indicates insider signaling is weak relative to the other pillars.
Macro Regime Fit: 14 / 20. The rating reports a beta of 1.0 and sector sensitivity. For an investor, this suggests the stock is expected to move in line with the broader market, with sector-specific sensitivity not further quantified in the source.
Forensic Balance Sheet: 13 / 20. The rating reports an Altman Z-Score of 2.5, a Piotroski F-Score of 6/9, and Debt/Equity of 0.5. These figures sit in a middle range, neither clearly distressed nor clearly strong.

Taken together, the score reflects a mixed profile: a weak cash-generation pillar and insider pillar offset by stronger institutional-flow and balance-sheet pillars. The verdict is a "Hold" with balanced risk and reward. A prospective investor should weigh that the price action (a 61.82% move on the reported date and a 52-week range of $0.21 to $2.66) is large relative to the fundamental metrics shown, which are zero on ROIC, FCF yield, and margins.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$0.0M	$0.0M	$0.0M	N/A	N/A	N/A	N/A
FY 2024	$0.9M	$-8.3M	$-28.3M	N/A	$-5.3M	N/A	N/A
FY 2023	$5.0M	$-3.4M	$-5.0M	N/A	$-4.9M	N/A	N/A

Per the SEC financials, the company reported operating losses in each period shown, with net losses of $-5.0M in FY 2023 and $-28.3M in FY 2024. Per the Roarable RQD rating and market data, gross, operating, and net margins are each 0%, and ROIC is 0%. The Altman Z-Score is 2.5 and the Piotroski F-Score is 6/9, per the Roarable RQD rating, with Debt/Equity at 0.5. Cash and debt balances are not available in source data for any reported period.

Recent Catalysts & News Wire Analysis

The news set contains six items, all tagged to NCPL:

Market wire coverage (Moomoo, Benzinga, Timothy Sykes): Generic market-action coverage. Benzinga's intraday-session item groups NCPL among financials stocks moving intraday. A Timothy Sykes item characterizes the stock as volatile amid financial weakness and day-trading momentum. Light signal: YELLOW.
Legal notices (The National Law Review, PR Newswire): Shareholder-encouragement notices referencing a law firm and a call for shareholders who lost money to contact a firm. These are flagged as risk watch items. Light signal: YELLOW.
Catalyst (Benzinga): A report that shares rose 18.85% after hours amid a class action lawsuit. This item is the only one tagged CATALYST, with a GREEN signal.

Per the Butterfly Supply-Chain Graph, the sector is Financials, the industry is Finance: Consumer Services, the supply chain is listed as NONE, there are no butterfly links, and there are no proprietary signals. Risk watch items are the pending class action and shareholder-notice activity; the source does not state any resolution or merits.

Analyst View & Smart Money Ownership

Per the analyst data section, there is no consensus rating or price target: NONE. Per the holders section, there are no SEC Form 4 insider, 13F institutional, or Congressional trade records: NONE. Note that the Roarable RQD rating references institutional accumulation and insider cluster flow, but the underlying holder records are not provided in the source data.

Open Questions

What are the cash balance and debt amounts for each reported period, given that the financials table lists these as N/A?
What is the nature and status of the class action lawsuit referenced in the news wire, and what are its potential financial implications?
What does the company sell and to whom, since the source data does not describe its products or revenue model?
What drove the revenue decline from $5.0M in FY 2023 to $0.0M in FY 2025, and is there any guidance on future revenue?
Which institutional holders and insider transactions underlie the RQD whale-flow and insider-conviction pillar scores?

NCPL Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Netcapital Inc. (NCPL) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to NCPL Debate Forum (3) ↓

🟡 MARKET WIRE Moomoo • 5h ago

Netcapital (NCPL) Stock Forecast & Analyst Ratings

Moomoo report covering Netcapital Inc. (NCPL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Benzinga • 8h ago

12 Financials Stocks Moving In Tuesday's Intraday Session - Netcapital (NASDAQ:NCPL), Cheche Group (NASDA

Benzinga report covering Netcapital Inc. (NCPL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The National Law Review • 11h ago

Law Offices of Frank R. Cruz Encourages Netcapital Inc. (NCPL) Sh

The National Law Review report covering Netcapital Inc. (NCPL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE PR Newswire • 14h ago

Shareholders who lost money in shares of Netcapital Inc. (NASDAQ: NCPL) should contact Wolf Haldenstein Immediately

PR Newswire report covering Netcapital Inc. (NCPL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Benzinga • 17h ago

Netcapital Shares Surge 18.85% After Hours Amid Class Action Lawsuit - Netcapital (NASDAQ:NCPL)

Benzinga report covering Netcapital Inc. (NCPL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Timothy Sykes • 20h ago

NCPL Stock Volatile As Financial Weakness Meets Day-Trading Momentum

Timothy Sykes report covering Netcapital Inc. (NCPL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE kalkine.ca • 23h ago

What Is Lifting Netcapital (NASDAQ:NCPL) Penny Stock Shares 20% Today?

kalkine.ca report covering Netcapital Inc. (NCPL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Business Wire • 1d ago

NCPL Investors: Netcapital Inc. Shares Declined By $0.09 On August 18, 2026 – Contact Kirby McInerney LLP to Discuss Your Rights

Business Wire report covering Netcapital Inc. (NCPL) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

NCPL Bull vs. Bear Conversation Board — What's Your Call at $1.59?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON NCPL 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $1.92 (+7.9%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is NCPL (C • RQD 63/100) a Buy at $1.78?

Welcome to the NCPL (Netcapital Inc.) Roar Pit. Current RQD Composite is 63/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Finance: Consumer Services. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

MU MultipleCompression Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $1.35 (-24.2%)

Spot @ $1.78

Pump the brakes on NCPL — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on NCPL, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless Netcapital Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MI MidwestValue Verified K Arena Trader 🐂 BULLISH 🎯 Target: $2.17 (+21.9%)

Spot @ $1.78

NCPL cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on NCPL, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $1.78 (52-wk range $0.21 - $2.66), any beat on forward guidance forces shorts and underweight funds to chase.