NEWT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 97 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on NEWT.

Quickly go to:

1. Profitability 2. Health 3. Growth 4. Valuation 5. Dividend

1. Profitability

1.1 Basic Checks

NEWT had positive earnings in the past year.
NEWT had a negative operating cash flow in the past year.
Each year in the past 5 years NEWT has been profitable.
In the past 5 years NEWT reported 4 times negative operating cash flow.

1.2 Ratios

NEWT has a better Return On Assets (2.40%) than 65.98% of its industry peers.
Looking at the Return On Equity, with a value of 14.90%, NEWT belongs to the top of the industry, outperforming 80.41% of the companies in the same industry.
With a decent Return On Invested Capital value of 4.30%, NEWT is doing good in the industry, outperforming 61.86% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for NEWT is below the industry average of 8.54%.
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

With a decent Profit Margin value of 19.15%, NEWT is doing good in the industry, outperforming 77.32% of the companies in the same industry.
In the last couple of years the Profit Margin of NEWT has declined.
With an excellent Operating Margin value of 44.30%, NEWT belongs to the best of the industry, outperforming 84.54% of the companies in the same industry.
NEWT's Operating Margin has declined in the last couple of years.
With an excellent Gross Margin value of 93.95%, NEWT belongs to the best of the industry, outperforming 97.94% of the companies in the same industry.

		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

More info and screens

ROA ROE ROIC Operating and Profit Margin Show most profitable peers

2. Health

2.1 Basic Checks

NEWT has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
NEWT has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, NEWT has more shares outstanding
Compared to 1 year ago, NEWT has about the same debt to assets ratio.

2.2 Solvency

Based on the Altman-Z score of -0.05, we must say that NEWT is in the distress zone and has some risk of bankruptcy.
NEWT has a Altman-Z score of -0.05. This is in the lower half of the industry: NEWT underperforms 63.92% 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 79.38% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.98
Debt/FCF	N/A
Altman-Z	-0.05

ROIC/WACC0.62

WACC6.9%

2.3 Liquidity

NEWT has a Current 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.
Looking at the Current ratio, with a value of 0.15, NEWT is doing worse than 70.10% of the companies in the same industry.
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.
NEWT has a Quick ratio of 0.15. This is in the lower half of the industry: NEWT underperforms 70.10% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.15
Quick Ratio	0.15

More info and screens

WACC Debt/Equity How to determine the health of a company Altman-Z score Show peers with great health

3. Growth

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
Looking at the last year, NEWT shows a quite strong growth in Revenue. The Revenue has grown by 13.34% in the last year.
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 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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.

More info and screens

Find the best growth stocks Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.97, which indicates a correct valuation of NEWT.
The rest of the industry has a similar Price/Earnings ratio as NEWT.
NEWT is valuated rather cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 5.70, the valuation of NEWT can be described as very cheap.
Based on the Price/Forward Earnings ratio, NEWT is valued cheaper than 85.57% of the companies in the same industry.
NEWT is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.20, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	13.97
Fwd PE	5.7

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, NEWT is valued cheaply inside the industry as 81.44% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	7.32

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%

More info and screens

Price/Earnings Price/FCF FCF per share EV/EBITDA PEG RATIO Show best valued peers

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 1.99, NEWT pays a better dividend. On top of this NEWT pays more dividend than 91.75% 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 1.82.

		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

37.16% of the earnings are spent on dividend by NEWT. This is a low number and sustainable payout ratio.

DP37.16%

EPS Next 2Y60.51%

EPS Next 3Y46.82%

More info and screens

Find the best dividend stocks Show peers with best dividend

NEWTEKONE INC

NASDAQ:NEWT (2/5/2026, 8:00:02 PM)

After market: 13.55 0 (0%)

13.55

-0.19 (-1.38%)

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 Change-0.31%

Ins Owners6.04%

Ins Owner Change1.84%

Market Cap418.56M

Revenue(TTM)309.46M

Net Income(TTM)57.62M

Analysts73.85

Price Target17.14 (26.49%)

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)9.93%

PT rev (3m)9.93%

EPS NQ rev (1m)0.15%

EPS NQ rev (3m)-4.68%

EPS NY rev (1m)-0.18%

EPS NY rev (3m)-0.76%

Revenue NQ rev (1m)1.18%

Revenue NQ rev (3m)-1.04%

Revenue NY rev (1m)0.68%

Revenue NY rev (3m)-1.63%

Valuation

		Industry Rank	Sector Rank
PE	13.97
Fwd PE	5.7
P/S	1.39
P/FCF	N/A
P/OCF	N/A
P/B	1.08
P/tB	1.12
EV/EBITDA	7.32

EPS(TTM)0.97

EY7.16%

EPS(NY)2.38

Fwd EY17.54%

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

WACC6.9%

ROIC/WACC0.62

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%.