Netcapital Inc. is classed by the SEC under Finance Services (industry code 6199), based in Boston, MA. In its latest annual figures on file, for the fiscal year ended 2025-04-30, it reported revenue of $869 thousand and a loss of $28 million (its filed statements).
Lending businessFinance ServicesBoston, MAfilings since 20077 of 9 filed, 2 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6199, Finance Services); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 2.9 out of ten, 7 of 9 metrics filed and 2 estimated: past 4.3 out of ten, present 2.2 out of ten, future 1.8 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 0.3 out of ten. 23 warning events since 2017; the latest 2026-09-25. 3rd percentile among 130 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 5.2 out of ten. +39% a year over 10 filed years; profitable in 6 of 10. 52nd percentile among 104 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 9.1 out of ten. CrossAssetData estimate 9.1/10, confidence 35 of 100 (one part). 91st percentile among 115 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Financial health (present): 3.4 out of ten. ROE -190%: lost 190¢ per shareholder dollar. Leverage 29%: owes 29¢ per asset dollar. 34th percentile among 117 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 0.9 out of ten. bottom 9% of 114 in its family; net margin -3255%. 9th percentile among 114 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 1.3 out of ten. CrossAssetData estimate 1.3/10, confidence 35 of 100 (one part). 13th percentile among 93 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Room to expand (future): 4.2 out of ten. bottom 42% of 108 in its family for room to expand. 42nd percentile among 108 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 0.5 out of ten. bottom 5% of 100 in its family for growth drivers. 5th percentile among 100 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 0.6 out of ten. bottom 6% of 79 in its family for expectations against reality. 6th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2025-08-12 for the period ended 2025-04-30 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-03-19 for the period ended 2026-01-31 (on EDGAR). Newest results release: Form 8-K filed 2025-12-15 for the period ended 2025-03-17 (on EDGAR). Newest filing: Form 8-K, 2026-09-25. Filings on record since 2007. Read from EDGAR 2026-10-12.
Who runs it
Violette, Todd A (CEO). 1 officer or director has filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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