11.59 USD
-0.64 (-5.23%)
Overall NEWT gets a fundamental rating of 4 out of 10. We evaluated NEWT against 99 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 has a decent growth rate and is not valued too expensively.
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.
NEWT had positive earnings in each of the past 5 years.
In multiple years NEWT reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of NEWT (2.40%) is better than 66.67% of its industry peers.
NEWT has a better Return On Equity (14.90%) than 80.81% of its industry peers.
NEWT has a better Return On Invested Capital (4.26%) than 62.63% of its industry peers.
The Average Return On Invested Capital over the past 3 years for NEWT is below the industry average of 8.44%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.4% | ||
| ROE | 14.9% | ||
| ROIC | 4.26% |
ROA(3y)2.94%
ROA(5y)4.16%
ROE(3y)14.55%
ROE(5y)14.87%
ROIC(3y)4.45%
ROIC(5y)5.46%
1.3 Margins
With a decent Profit Margin value of 19.15%, NEWT is doing good in the industry, outperforming 77.78% of the companies in the same industry.
NEWT's Profit Margin has declined in the last couple of years.
The Operating Margin of NEWT (44.30%) is better than 84.85% of its industry peers.
NEWT's Operating Margin has declined in the last couple of years.
NEWT's Gross Margin of 93.95% is amongst the best of the industry. NEWT outperforms 97.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 44.3% | ||
| PM (TTM) | 19.15% | ||
| GM | 93.95% |
OM growth 3Y-13.36%
OM growth 5Y-7.51%
PM growth 3Y-29.94%
PM growth 5Y-13.6%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NEWT is destroying value.
Compared to 1 year ago, NEWT has more shares outstanding
NEWT has more shares outstanding than it did 5 years ago.
The debt/assets ratio for NEWT is higher compared to a year ago.
2.2 Solvency
NEWT has an Altman-Z score of -0.06. This is a bad value and indicates that NEWT is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of -0.06, NEWT is not doing good in the industry: 62.63% of the companies in the same industry are doing better.
A Debt/Equity ratio of 4.98 is on the high side and indicates that NEWT has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 4.98, NEWT is doing worse than 79.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.06 |
ROIC/WACC0.76
WACC5.6%
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's Current ratio of 0.15 is on the low side compared to the rest of the industry. NEWT is outperformed by 72.73% of its industry peers.
A Quick Ratio of 0.15 indicates that NEWT may have some problems paying its short term obligations.
NEWT has a Quick ratio of 0.15. This is in the lower half of the industry: NEWT underperforms 72.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 |
3. Growth
3.1 Past
The earnings per share for NEWT have decreased strongly by -43.58% in the last year.
NEWT shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.50% yearly.
NEWT shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.63%.
NEWT shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.01% yearly.
EPS 1Y (TTM)-43.58%
EPS 3Y-17.48%
EPS 5Y-3.5%
EPS Q2Q%48.89%
Revenue 1Y (TTM)22.63%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%19.27%
3.2 Future
The Earnings Per Share is expected to grow by 12.02% on average over the next years. This is quite good.
The Revenue is expected to grow by 13.61% on average over the next years. This is quite good.
EPS Next Y15.47%
EPS Next 2Y7.52%
EPS Next 3Y7.01%
EPS Next 5Y12.02%
Revenue Next Year15.78%
Revenue Next 2Y14.16%
Revenue Next 3Y13.61%
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.
4. Valuation
4.1 Price/Earnings Ratio
NEWT is valuated reasonably with a Price/Earnings ratio of 11.48.
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 26.39.
The Price/Forward Earnings ratio is 5.14, which indicates a rather cheap valuation of NEWT.
Based on the Price/Forward Earnings ratio, NEWT is valued cheaper than 86.87% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of NEWT to the average of the S&P500 Index (23.84), we can say NEWT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.48 | ||
| Fwd PE | 5.14 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NEWT indicates a rather cheap valuation: NEWT is cheaper than 85.86% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 6.97 |
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.
PEG (NY)0.74
PEG (5Y)N/A
EPS Next 2Y7.52%
EPS Next 3Y7.01%
5. Dividend
5.1 Amount
NEWT has a Yearly Dividend Yield of 6.22%, which is a nice return.
NEWT's Dividend Yield is rather good when compared to the industry average which is at 2.43. NEWT pays more dividend than 85.86% of the companies in the same industry.
NEWT's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.22% |
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.
The dividend of NEWT decreased 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 2Y7.52%
EPS Next 3Y7.01%
NASDAQ:NEWT (12/22/2025, 3:51:22 PM)
11.59
-0.64 (-5.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners43.67%
Inst Owner Change21.42%
Ins Owners6.03%
Ins Owner Change1.32%
Market Cap358.02M
Revenue(TTM)300.92M
Net Income(TTM)57.62M
Analysts73.85
Price Target15.4 (32.87%)
Short Float %10.85%
Short Ratio10.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.22% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP37.16%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)0%
PT rev (3m)7.28%
EPS NQ rev (1m)-0.89%
EPS NQ rev (3m)-7.92%
EPS NY rev (1m)-0.64%
EPS NY rev (3m)-1.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.48 | ||
| Fwd PE | 5.14 | ||
| P/S | 1.19 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.93 | ||
| P/tB | 0.96 | ||
| EV/EBITDA | 6.97 |
EPS(TTM)1.01
EY8.71%
EPS(NY)2.25
Fwd EY19.45%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)0.74
PEG (5Y)N/A
Graham Number16.87
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.4% | ||
| ROE | 14.9% | ||
| ROCE | 11.69% | ||
| ROIC | 4.26% | ||
| ROICexc | 4.64% | ||
| ROICexgc | 5.2% | ||
| OM | 44.3% | ||
| PM (TTM) | 19.15% | ||
| GM | 93.95% | ||
| FCFM | N/A |
ROA(3y)2.94%
ROA(5y)4.16%
ROE(3y)14.55%
ROE(5y)14.87%
ROIC(3y)4.45%
ROIC(5y)5.46%
ROICexc(3y)5%
ROICexc(5y)5.8%
ROICexgc(3y)6.64%
ROICexgc(5y)8.35%
ROCE(3y)8.52%
ROCE(5y)8.88%
ROICexgc growth 3Y-25.12%
ROICexgc growth 5Y-10.78%
ROICexc growth 3Y-15.59%
ROICexc growth 5Y-4.63%
OM growth 3Y-13.36%
OM growth 5Y-7.51%
PM growth 3Y-29.94%
PM growth 5Y-13.6%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
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 | -0.06 |
F-Score3
WACC5.6%
ROIC/WACC0.76
Cap/Depr(3y)13.5%
Cap/Depr(5y)8.1%
Cap/Sales(3y)0.13%
Cap/Sales(5y)0.08%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-43.58%
EPS 3Y-17.48%
EPS 5Y-3.5%
EPS Q2Q%48.89%
EPS Next Y15.47%
EPS Next 2Y7.52%
EPS Next 3Y7.01%
EPS Next 5Y12.02%
Revenue 1Y (TTM)22.63%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%19.27%
Revenue Next Year15.78%
Revenue Next 2Y14.16%
Revenue Next 3Y13.61%
Revenue Next 5YN/A
EBIT growth 1Y43.89%
EBIT growth 3Y3.47%
EBIT growth 5Y10.99%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-1666.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-1683.89%
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.
What is the valuation status of NEWTEKONE INC (NEWT) stock?
ChartMill assigns a valuation rating of 6 / 10 to NEWTEKONE INC (NEWT). This can be considered as Fairly Valued.
Can you provide the profitability details for NEWTEKONE INC?
NEWTEKONE INC (NEWT) has a profitability rating of 5 / 10.
Can you provide the PE and PB ratios for NEWT stock?
The Price/Earnings (PE) ratio for NEWTEKONE INC (NEWT) is 11.48 and the Price/Book (PB) ratio is 0.93.
Can you provide the expected EPS growth for NEWT stock?
The Earnings per Share (EPS) of NEWTEKONE INC (NEWT) is expected to grow by 15.47% in the next year.