13.49 USD
-0.08 (-0.59%)
At close: Feb 10, 2026
13.49 USD
0 (0%)
After Hours: 2/10/2026, 4:30:02 PM
NEWT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 96 industry peers in the Financial Services industry. While NEWT is still in line with the averages on profitability rating, there are concerns on its financial health. NEWT scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
- NEWT had positive earnings in the past year.
- In the past year NEWT has reported a negative cash flow from operations.
- Each year in the past 5 years NEWT has been profitable.
- NEWT had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
- NEWT has a better Return On Assets (2.40%) than 65.63% of its industry peers.
- NEWT's Return On Equity of 14.90% is amongst the best of the industry. NEWT outperforms 80.21% of its industry peers.
- NEWT has a better Return On Invested Capital (4.30%) than 60.42% of its industry peers.
- NEWT had an Average Return On Invested Capital over the past 3 years of 3.79%. This is below the industry average of 8.60%.
- The last Return On Invested Capital (4.30%) for NEWT is above the 3 year average (3.79%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.4% | ||
| ROE | 14.9% | ||
| ROIC | 4.3% |
ROA(3y)2.57%
ROA(5y)3.78%
ROE(3y)16.56%
ROE(5y)15.82%
ROIC(3y)3.79%
ROIC(5y)5.19%
1.3 Margins
- NEWT has a Profit Margin of 19.15%. This is in the better half of the industry: NEWT outperforms 77.08% of its industry peers.
- NEWT's Profit Margin has declined in the last couple of years.
- NEWT has a better Operating Margin (44.30%) than 84.38% of its industry peers.
- NEWT's Operating Margin has declined in the last couple of years.
- NEWT has a better Gross Margin (93.95%) than 97.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 44.3% | ||
| PM (TTM) | 19.15% | ||
| GM | 93.95% |
OM growth 3Y-4.87%
OM growth 5Y-4.75%
PM growth 3Y-5.91%
PM growth 5Y-10.33%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NEWT is destroying value.
- NEWT has more shares outstanding than it did 1 year ago.
- NEWT has more shares outstanding than it did 5 years ago.
- NEWT has about the same debt/assets ratio as last year.
2.2 Solvency
- NEWT has an Altman-Z score of -0.05. This is a bad value and indicates that NEWT is not financially healthy and even has some risk of bankruptcy.
- NEWT's Altman-Z score of -0.05 is on the low side compared to the rest of the industry. NEWT is outperformed by 62.50% of its industry peers.
- NEWT has a Debt/Equity ratio of 4.98. This is a high value indicating a heavy dependency on external financing.
- The Debt to Equity ratio of NEWT (4.98) is worse than 80.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.05 |
ROIC/WACC0.63
WACC6.88%
2.3 Liquidity
- A Current Ratio of 0.15 indicates that NEWT may have some problems paying its short term obligations.
- The Current ratio of NEWT (0.15) is worse than 70.83% of its industry peers.
- NEWT has a Quick Ratio of 0.15. This is a bad value and indicates that NEWT is not financially healthy enough and could expect problems in meeting its short term obligations.
- With a Quick ratio value of 0.15, NEWT is not doing good in the industry: 70.83% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 |
3. Growth
3.1 Past
- The earnings per share for NEWT have decreased strongly by -50.26% in the last year.
- Measured over the past years, NEWT shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -13.98% on average per year.
- NEWT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.34%.
- Measured over the past years, NEWT shows a very strong growth in Revenue. The Revenue has been growing by 24.47% on average per year.
EPS 1Y (TTM)-50.26%
EPS 3Y-23.3%
EPS 5Y-13.98%
EPS Q2Q%-5.8%
Revenue 1Y (TTM)13.34%
Revenue growth 3Y29.32%
Revenue growth 5Y24.47%
Sales Q2Q%-4.6%
3.2 Future
- NEWT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 46.82% yearly.
- Based on estimates for the next years, NEWT will show a quite strong growth in Revenue. The Revenue will grow by 13.39% on average per year.
EPS Next Y145.01%
EPS Next 2Y60.51%
EPS Next 3Y46.82%
EPS Next 5YN/A
Revenue Next Year13.85%
Revenue Next 2Y13.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 13.91, NEWT is valued correctly.
- The rest of the industry has a similar Price/Earnings ratio as NEWT.
- NEWT is valuated cheaply when we compare the Price/Earnings ratio to 28.06, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 5.68, which indicates a rather cheap valuation of NEWT.
- NEWT's Price/Forward Earnings ratio is rather cheap when compared to the industry. NEWT is cheaper than 86.46% of the companies in the same industry.
- NEWT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.91 | ||
| Fwd PE | 5.68 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, NEWT is valued cheaply inside the industry as 81.25% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 7.28 |
4.3 Compensation for Growth
- NEWT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- NEWT has a very decent profitability rating, which may justify a higher PE ratio.
- A more expensive valuation may be justified as NEWT's earnings are expected to grow with 46.82% in the coming years.
PEG (NY)0.1
PEG (5Y)N/A
EPS Next 2Y60.51%
EPS Next 3Y46.82%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.61%, NEWT is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.03, NEWT pays a better dividend. On top of this NEWT pays more dividend than 88.54% of the companies listed in the same industry.
- NEWT's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.61% |
5.2 History
- The dividend of NEWT decreases each year by -17.44%.
- NEWT has been paying a dividend for at least 10 years, so it has a reliable track record.
- NEWT has decreased its dividend recently.
Dividend Growth(5Y)-17.44%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- NEWT pays out 37.16% of its income as dividend. This is a sustainable payout ratio.
DP37.16%
EPS Next 2Y60.51%
EPS Next 3Y46.82%
13.49
-0.08 (-0.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29 2026-01-29/amc
Earnings (Next)05-04 2026-05-04
Inst Owners44.09%
Inst Owner Change0.13%
Ins Owners6.04%
Ins Owner Change1.84%
Market Cap416.71M
Revenue(TTM)309.46M
Net Income(TTM)57.62M
Analysts73.85
Price Target17.14 (27.06%)
Short Float %10.62%
Short Ratio8.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.61% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP37.16%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-114.26%
Min EPS beat(2)-230.76%
Max EPS beat(2)2.25%
EPS beat(4)2
Avg EPS beat(4)-57.44%
Min EPS beat(4)-230.76%
Max EPS beat(4)2.25%
EPS beat(8)5
Avg EPS beat(8)-23.11%
EPS beat(12)7
Avg EPS beat(12)-21.65%
EPS beat(16)10
Avg EPS beat(16)-14.71%
Revenue beat(2)0
Avg Revenue beat(2)-7.31%
Min Revenue beat(2)-7.77%
Max Revenue beat(2)-6.85%
Revenue beat(4)2
Avg Revenue beat(4)2.87%
Min Revenue beat(4)-7.77%
Max Revenue beat(4)16.67%
Revenue beat(8)5
Avg Revenue beat(8)2.7%
Revenue beat(12)7
Avg Revenue beat(12)4.61%
Revenue beat(16)11
Avg Revenue beat(16)33.22%
PT rev (1m)11.26%
PT rev (3m)11.26%
EPS NQ rev (1m)0.15%
EPS NQ rev (3m)1.62%
EPS NY rev (1m)3.56%
EPS NY rev (3m)1.67%
Revenue NQ rev (1m)1.18%
Revenue NQ rev (3m)1.52%
Revenue NY rev (1m)2.11%
Revenue NY rev (3m)1.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.91 | ||
| Fwd PE | 5.68 | ||
| P/S | 1.38 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.08 | ||
| P/tB | 1.12 | ||
| EV/EBITDA | 7.28 |
EPS(TTM)0.97
EY7.19%
EPS(NY)2.38
Fwd EY17.62%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)0.1
PEG (5Y)N/A
Graham Number16.53
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.4% | ||
| ROE | 14.9% | ||
| ROCE | 11.69% | ||
| ROIC | 4.3% | ||
| ROICexc | 4.69% | ||
| ROICexgc | 5.26% | ||
| OM | 44.3% | ||
| PM (TTM) | 19.15% | ||
| GM | 93.95% | ||
| FCFM | N/A |
ROA(3y)2.57%
ROA(5y)3.78%
ROE(3y)16.56%
ROE(5y)15.82%
ROIC(3y)3.79%
ROIC(5y)5.19%
ROICexc(3y)4.39%
ROICexc(5y)5.63%
ROICexgc(3y)4.84%
ROICexgc(5y)7.65%
ROCE(3y)9.67%
ROCE(5y)9.69%
ROICexgc growth 3Y-22.07%
ROICexgc growth 5Y-10.94%
ROICexc growth 3Y-11.48%
ROICexc growth 5Y-4.52%
OM growth 3Y-4.87%
OM growth 5Y-4.75%
PM growth 3Y-5.91%
PM growth 5Y-10.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 14.37 | ||
| Cap/Depr | 20.97% | ||
| Cap/Sales | 0.05% | ||
| Interest Coverage | 1.46 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 | ||
| Altman-Z | -0.05 |
F-Score4
WACC6.88%
ROIC/WACC0.63
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-50.26%
EPS 3Y-23.3%
EPS 5Y-13.98%
EPS Q2Q%-5.8%
EPS Next Y145.01%
EPS Next 2Y60.51%
EPS Next 3Y46.82%
EPS Next 5YN/A
Revenue 1Y (TTM)13.34%
Revenue growth 3Y29.32%
Revenue growth 5Y24.47%
Sales Q2Q%-4.6%
Revenue Next Year13.85%
Revenue Next 2Y13.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y43.89%
EBIT growth 3Y23.02%
EBIT growth 5Y18.55%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-536.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-540.25%
OCF growth 3YN/A
OCF growth 5YN/A
NEWTEKONE INC / NEWT FAQ
Can you provide the ChartMill fundamental rating for NEWTEKONE INC?
ChartMill assigns a fundamental rating of 4 / 10 to NEWT.
Can you provide the valuation status for NEWTEKONE INC?
ChartMill assigns a valuation rating of 7 / 10 to NEWTEKONE INC (NEWT). This can be considered as Undervalued.
Can you provide the profitability details for NEWTEKONE INC?
NEWTEKONE INC (NEWT) has a profitability rating of 6 / 10.
What is the financial health of NEWTEKONE INC (NEWT) stock?
The financial health rating of NEWTEKONE INC (NEWT) is 0 / 10.
How sustainable is the dividend of NEWTEKONE INC (NEWT) stock?
The dividend rating of NEWTEKONE INC (NEWT) is 6 / 10 and the dividend payout ratio is 37.16%.