NEWTEKONE INC (NEWT) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:NEWT • US6525262035

13.74 USD
+0.2 (+1.48%)
At close: Feb 4, 2026
13.74 USD
0 (0%)
After Hours: 2/4/2026, 8:00:01 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to NEWT. NEWT was compared to 97 industry peers in the Financial Services industry. There are concerns on the financial health of NEWT while its profitability can be described as average. NEWT is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

6

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.
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 50M -50M 100M -100M -150M

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.
  • 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.
  • NEWT had an Average Return On Invested Capital over the past 3 years of 3.79%. This 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 RankSector 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%
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 Profit Margin of 19.15%. This is in the better half of the industry: NEWT outperforms 77.32% 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 84.54% of its industry peers.
  • In the last couple of years the Operating Margin of NEWT has declined.
  • 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 RankSector 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
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. 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.
  • The number of shares outstanding for NEWT has been increased compared to 5 years ago.
  • Compared to 1 year ago, NEWT has about the same debt to assets ratio.
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 -0.05. This is a bad value and indicates that NEWT is not financially healthy and even 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.
  • A Debt/Equity ratio of 4.98 is on the high side and indicates that NEWT has dependencies on debt 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 RankSector Rank
Debt/Equity 4.98
Debt/FCF N/A
Altman-Z -0.05
ROIC/WACC0.62
WACC6.93%
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 200M 400M 600M 800M

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.
  • With a Current 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.
  • A Quick Ratio of 0.15 indicates that NEWT may have some problems paying its short term obligations.
  • NEWT has a worse Quick ratio (0.15) than 70.10% of its industry peers.
Industry RankSector Rank
Current Ratio 0.15
Quick Ratio 0.15
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. 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
  • The Revenue has grown by 13.34% in the past year. This is quite good.
  • 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.
  • 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. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.16, the valuation of NEWT can be described as correct.
  • NEWT's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of NEWT to the average of the S&P500 Index (28.25), we can say NEWT is valued slightly cheaper.
  • Based on the Price/Forward Earnings ratio of 5.78, the valuation of NEWT can be described as very cheap.
  • 85.57% of the companies in the same industry are more expensive than NEWT, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of NEWT to the average of the S&P500 Index (27.50), we can say NEWT is valued rather cheaply.
Industry RankSector Rank
PE 14.16
Fwd PE 5.78
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

  • Based on the Enterprise Value to EBITDA ratio, NEWT is valued cheaper than 81.44% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 7.32
NEWT Per share dataNEWT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 -10 -15

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%

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

6

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 RankSector 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.
  • NEWT has decreased its dividend recently.
Dividend Growth(5Y)-17.44%
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 37.16% of its income as dividend. This is a sustainable payout ratio.
DP37.16%
EPS Next 2Y60.51%
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 50M -50M 100M -100M -150M
NEWT Dividend Payout.NEWT Dividend Payout, showing the Payout Ratio.NEWT Dividend Payout.PayoutRetained Earnings

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NEWTEKONE INC

NASDAQ:NEWT (2/4/2026, 8:00:01 PM)

After market: 13.74 0 (0%)

13.74

+0.2 (+1.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)05-04
Inst Owners44.09%
Inst Owner Change-0.31%
Ins Owners6.04%
Ins Owner Change1.84%
Market Cap424.43M
Revenue(TTM)309.46M
Net Income(TTM)57.62M
Analysts73.85
Price Target17.14 (24.75%)
Short Float %10.62%
Short Ratio8.39
Dividend
Industry RankSector 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 RankSector Rank
PE 14.16
Fwd PE 5.78
P/S 1.41
P/FCF N/A
P/OCF N/A
P/B 1.1
P/tB 1.14
EV/EBITDA 7.32
EPS(TTM)0.97
EY7.06%
EPS(NY)2.38
Fwd EY17.3%
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 RankSector 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 RankSector 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
WACC6.93%
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%.