NEWTEKONE INC (NEWT) Fundamental Analysis & Valuation

NASDAQ:NEWT • US6525262035

Current stock price

11.065 USD
-0.41 (-3.53%)
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

  • In the past year NEWT was profitable.
  • In the past year NEWT has reported a negative cash flow from operations.
  • NEWT had positive earnings in each of the past 5 years.
  • In the past 5 years NEWT reported 4 times negative operating cash flow.
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.
  • NEWT has a Return On Equity of 14.63%. This is in the better half of the industry: NEWT outperforms 79.00% of its industry peers.
  • The Return On Invested Capital of NEWT (4.06%) is better than 62.00% 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 8.07%.
  • 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

  • NEWT has a better Profit Margin (18.80%) than 78.00% of its industry peers.
  • NEWT's Profit Margin has declined in the last couple of years.
  • NEWT has a better Operating Margin (46.39%) than 85.00% of its industry peers.
  • In the last couple of years the Operating Margin of NEWT has declined.
  • With an excellent Gross Margin value of 94.25%, NEWT belongs to the best of the industry, outperforming 98.00% of the companies in the same industry.
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

  • 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.
  • Compared to 5 years ago, NEWT has more shares outstanding
  • NEWT has about the same debt/assets ratio as last year.
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

  • NEWT has an Altman-Z score of -0.11. This is a bad value and indicates that NEWT is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of -0.11, NEWT is doing worse than 62.00% of the companies in the same industry.
  • NEWT has a Debt/Equity ratio of 5.63. This is a high value indicating a heavy dependency on external financing.
  • NEWT has a worse Debt to Equity ratio (5.63) than 78.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.63
Debt/FCF N/A
Altman-Z -0.11
ROIC/WACC0.72
WACC5.6%
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

  • A Current Ratio of 0.19 indicates that NEWT may have some problems paying its short term obligations.
  • NEWT has a Current ratio of 0.19. This is in the lower half of the industry: NEWT underperforms 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%.
  • 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.
  • Looking at the last year, NEWT shows a quite strong growth in Revenue. The Revenue has grown by 13.34% in the last year.
  • The Revenue has been growing by 24.47% on average over the past years. This is a very strong growth!
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

  • Based on estimates for the next years, NEWT will show a very strong growth in Earnings Per Share. The EPS will grow by 46.82% on average per year.
  • NEWT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.39% yearly.
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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Find the best growth stocksShow best growing peers

7

4. NEWT Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.41, the valuation of NEWT can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of NEWT is on the same level as its industry peers.
  • NEWT is valuated cheaply when we compare the Price/Earnings ratio to 25.54, which is the current average of the S&P500 Index.
  • NEWT is valuated cheaply with a Price/Forward Earnings ratio of 4.67.
  • 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.
  • NEWT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.70.
Industry RankSector Rank
PE 11.41
Fwd PE 4.67
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

  • 85.00% 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 6.17
NEWT Per share dataNEWT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10

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.
  • 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

  • NEWT has a Yearly Dividend Yield of 6.60%, which is a nice return.
  • NEWT's Dividend Yield is rather good when compared to the industry average which is at 2.50. NEWT pays more dividend than 86.00% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, 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.
  • NEWT has decreased its dividend 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

  • NEWT pays out 48.20% of its income as dividend. 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 (3/24/2026, 9:58:05 AM)

11.065

-0.41 (-3.53%)

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 Cap341.13M
Revenue(TTM)309.46M
Net Income(TTM)58.18M
Analysts73.85
Price Target17.34 (56.71%)
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 11.41
Fwd PE 4.67
P/S 1.1
P/FCF N/A
P/OCF N/A
P/B 0.86
P/tB 0.89
EV/EBITDA 6.17
EPS(TTM)0.97
EY8.77%
EPS(NY)2.37
Fwd EY21.4%
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 -0.11
F-Score3
WACC5.6%
ROIC/WACC0.72
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%.