Overall NEWT gets a fundamental rating of 4 out of 10. We evaluated NEWT 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. NEWT scores decently on growth, while it is valued quite cheap. This could make an interesting combination.

Quickly go to:

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

1. Profitability

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.
NEWT had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

With a decent Return On Assets value of 2.40%, NEWT is doing good in the industry, outperforming 65.98% of the companies in the same industry.
The Return On Equity of NEWT (14.90%) is better than 80.41% of its industry peers.
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 8.52%.
The 3 year average ROIC (3.79%) for NEWT is below the current ROIC(4.30%), indicating increased profibility in the last year.

		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's Profit Margin of 19.15% is fine compared to the rest of the industry. NEWT outperforms 77.32% of its industry peers.
NEWT's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 44.30%, NEWT belongs to the top 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.
Looking at the Gross Margin, with a value of 93.95%, NEWT belongs to the top 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

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.

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.
With a Debt to Equity ratio value of 4.98, NEWT is not doing good in the industry: 79.38% of the companies in the same industry are doing better.

		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.
NEWT has a worse Current ratio (0.15) than 70.10% 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: 70.10% of the companies in the same industry are doing better.

		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

The earnings per share for NEWT have decreased strongly by -50.26% in the last year.
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.
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

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.
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

A Price/Earnings ratio of 13.97 indicates a correct valuation of NEWT.
NEWT's Price/Earnings is on the same level as the industry average.
NEWT is valuated cheaply when we compare the Price/Earnings ratio to 28.25, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 5.70, which indicates a rather cheap valuation of NEWT.
85.57% of the companies in the same industry are more expensive than NEWT, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 27.50, NEWT is valued rather cheaply.

		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.
The decent profitability rating of NEWT 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

NEWT has a Yearly Dividend Yield of 5.61%, which is a nice return.
NEWT's Dividend Yield is rather good when compared to the industry average which is at 2.00. NEWT pays more dividend than 91.75% of the companies 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 paid a dividend for at least 10 years, which is a reliable track record.
The dividend of NEWT decreased 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%

More info and screens

Find the best dividend stocks Show peers with best dividend

NEWTEKONE INC

NASDAQ:NEWT (2/5/2026, 4:30:01 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%.