NEWTEKONE INC (NEWT) Fundamental Analysis & Valuation

NASDAQ:NEWT • US6525262035

Current stock price

10.79 USD
-0.28 (-2.53%)
Last:

This NEWT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. NEWT Profitability Analysis

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.
NEWT Yearly Net Income VS EBIT VS OCF VS FCFNEWT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -200M -400M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 2.12%, NEWT is in line with its industry, outperforming 60.00% of the companies in the same industry.
  • With a decent Return On Equity value of 14.63%, NEWT is doing good in the industry, outperforming 79.00% of the companies in the same industry.
  • NEWT's Return On Invested Capital of 4.06% is fine compared to the rest of the industry. NEWT outperforms 62.00% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for NEWT is below the industry average of 8.07%.
  • The last Return On Invested Capital (4.06%) for NEWT is above the 3 year average (3.79%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 2.12%
ROE 14.63%
ROIC 4.06%
ROA(3y)2.57%
ROA(5y)3.78%
ROE(3y)16.56%
ROE(5y)15.82%
ROIC(3y)3.79%
ROIC(5y)5.19%
NEWT Yearly ROA, ROE, ROICNEWT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • Looking at the Profit Margin, with a value of 18.80%, NEWT is in the better half of the industry, outperforming 78.00% of the companies in the same industry.
  • NEWT's Profit Margin has declined in the last couple of years.
  • NEWT has a Operating Margin of 46.39%. This is amongst the best in the industry. NEWT outperforms 85.00% of its industry peers.
  • In the last couple of years the Operating Margin of NEWT has declined.
  • NEWT's Gross Margin of 94.25% is amongst the best of the industry. NEWT outperforms 98.00% of its industry peers.
Industry RankSector Rank
OM 46.39%
PM (TTM) 18.8%
GM 94.25%
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
NEWT Yearly Profit, Operating, Gross MarginsNEWT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. NEWT Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NEWT is destroying value.
  • Compared to 1 year ago, NEWT has more shares outstanding
  • Compared to 5 years ago, NEWT has more shares outstanding
  • The debt/assets ratio for NEWT has remained at the same level compared to a year ago.
NEWT Yearly Shares OutstandingNEWT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
NEWT Yearly Total Debt VS Total AssetsNEWT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • Based on the Altman-Z score of -0.12, we must say that NEWT is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of -0.12, NEWT is not doing good in the industry: 62.00% of the companies in the same industry are doing better.
  • NEWT has a Debt/Equity ratio of 5.63. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of NEWT (5.63) is worse than 78.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.63
Debt/FCF N/A
Altman-Z -0.12
ROIC/WACC0.73
WACC5.53%
NEWT Yearly LT Debt VS Equity VS FCFNEWT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M

2.3 Liquidity

  • NEWT has a Current Ratio of 0.19. This is a bad value and indicates that NEWT is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of NEWT (0.19) is worse than 68.00% of its industry peers.
  • A Quick Ratio of 0.19 indicates that NEWT may have some problems paying its short term obligations.
  • NEWT has a worse Quick ratio (0.19) than 68.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.19
Quick Ratio 0.19
NEWT Yearly Current Assets VS Current LiabilitesNEWT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. NEWT Growth Analysis

3.1 Past

  • NEWT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -50.26%.
  • The earnings per share for NEWT have been decreasing by -13.98% on average. This is quite bad
  • The Revenue has grown by 13.34% in the past year. This is quite good.
  • NEWT shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 24.47% yearly.
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.
  • The Revenue is expected to grow by 13.39% on average over the next years. This is quite good.
EPS Next Y144.13%
EPS Next 2Y61.36%
EPS Next 3Y46.82%
EPS Next 5YN/A
Revenue Next Year14.33%
Revenue Next 2Y13.39%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
NEWT Yearly Revenue VS EstimatesNEWT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
NEWT Yearly EPS VS EstimatesNEWT Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3

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7

4. NEWT Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.12, which indicates a very decent valuation of NEWT.
  • NEWT's Price/Earnings ratio is in line with the industry average.
  • NEWT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.23.
  • NEWT is valuated cheaply with a Price/Forward Earnings ratio of 4.56.
  • NEWT's Price/Forward Earnings ratio is rather cheap when compared to the industry. NEWT is cheaper than 88.00% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of NEWT to the average of the S&P500 Index (22.51), we can say NEWT is valued rather cheaply.
Industry RankSector Rank
PE 11.12
Fwd PE 4.56
NEWT Price Earnings VS Forward Price EarningsNEWT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 87.00% of the companies in the same industry are more expensive than NEWT, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 6.08
NEWT Per share dataNEWT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as NEWT's earnings are expected to grow with 46.82% in the coming years.
PEG (NY)0.08
PEG (5Y)N/A
EPS Next 2Y61.36%
EPS Next 3Y46.82%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. NEWT Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.60%, NEWT is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.50, NEWT pays a better dividend. On top of this NEWT pays more dividend than 86.00% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.90, NEWT pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.6%

5.2 History

  • The dividend of NEWT decreases each year by -12.63%.
  • NEWT has been paying a dividend for at least 10 years, so it has a reliable track record.
  • The dividend of NEWT decreased recently.
Dividend Growth(5Y)-12.63%
Div Incr Years1
Div Non Decr Years1
NEWT Yearly Dividends per shareNEWT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

  • 48.20% of the earnings are spent on dividend by NEWT. This is a bit on the high side, but may be sustainable.
DP48.2%
EPS Next 2Y61.36%
EPS Next 3Y46.82%
NEWT Yearly Income VS Free CF VS DividendNEWT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -200M -400M
NEWT Dividend Payout.NEWT Dividend Payout, showing the Payout Ratio.NEWT Dividend Payout.PayoutRetained Earnings

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NEWT Fundamentals: All Metrics, Ratios and Statistics

NEWTEKONE INC

NASDAQ:NEWT (3/27/2026, 10:32:21 AM)

10.79

-0.28 (-2.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)05-04
Inst Owners44.05%
Inst Owner Change1.1%
Ins Owners6.08%
Ins Owner Change1.84%
Market Cap332.66M
Revenue(TTM)309.46M
Net Income(TTM)58.18M
Analysts73.85
Price Target17.34 (60.7%)
Short Float %10.48%
Short Ratio9.99
Dividend
Industry RankSector Rank
Dividend Yield 6.6%
Yearly Dividend1.02
Dividend Growth(5Y)-12.63%
DP48.2%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.13%
Min EPS beat(2)-6.52%
Max EPS beat(2)2.25%
EPS beat(4)1
Avg EPS beat(4)-59.57%
Min EPS beat(4)-230.76%
Max EPS beat(4)2.25%
EPS beat(8)5
Avg EPS beat(8)-22.65%
EPS beat(12)7
Avg EPS beat(12)-14.64%
EPS beat(16)9
Avg EPS beat(16)-15.55%
Revenue beat(2)0
Avg Revenue beat(2)-8.96%
Min Revenue beat(2)-10.14%
Max Revenue beat(2)-7.77%
Revenue beat(4)1
Avg Revenue beat(4)-2.02%
Min Revenue beat(4)-10.14%
Max Revenue beat(4)16.67%
Revenue beat(8)5
Avg Revenue beat(8)2.8%
Revenue beat(12)6
Avg Revenue beat(12)2.19%
Revenue beat(16)10
Avg Revenue beat(16)20.78%
PT rev (1m)1.19%
PT rev (3m)12.58%
EPS NQ rev (1m)-0.83%
EPS NQ rev (3m)3.14%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)5.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.61%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)2.3%
Valuation
Industry RankSector Rank
PE 11.12
Fwd PE 4.56
P/S 1.07
P/FCF N/A
P/OCF N/A
P/B 0.84
P/tB 0.87
EV/EBITDA 6.08
EPS(TTM)0.97
EY8.99%
EPS(NY)2.37
Fwd EY21.95%
FCF(TTM)-19.12
FCFYN/A
OCF(TTM)-18.79
OCFYN/A
SpS10.04
BVpS12.9
TBVpS12.42
PEG (NY)0.08
PEG (5Y)N/A
Graham Number16.78
Profitability
Industry RankSector Rank
ROA 2.12%
ROE 14.63%
ROCE 11.69%
ROIC 4.06%
ROICexc 4.55%
ROICexgc 5.05%
OM 46.39%
PM (TTM) 18.8%
GM 94.25%
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-Score3
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 5.63
Debt/FCF N/A
Debt/EBITDA 15.52
Cap/Depr 1530.84%
Cap/Sales 3.3%
Interest Coverage 1.47
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.19
Quick Ratio 0.19
Altman-Z -0.12
F-Score3
WACC5.53%
ROIC/WACC0.73
Cap/Depr(3y)523.78%
Cap/Depr(5y)314.27%
Cap/Sales(3y)1.23%
Cap/Sales(5y)0.74%
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 Y144.13%
EPS Next 2Y61.36%
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 Year14.33%
Revenue Next 2Y13.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y30.11%
EBIT growth 3Y23.02%
EBIT growth 5Y18.55%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-280.5%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-274.97%
OCF growth 3YN/A
OCF growth 5YN/A

NEWTEKONE INC / NEWT Fundamental Analysis 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 5 / 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 48.2%.