NEWTEKONE INC (NEWT) Stock Fundamental Analysis
NASDAQ:NEWT • US6525262035
13.04 USD
+0.32 (+2.52%)
At close: Feb 17, 2026
13.04 USD
0 (0%)
After Hours: 2/17/2026, 4:30:02 PM
NEWT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. NEWT has a medium profitability rating, but doesn't score so well on its financial health evaluation. NEWT is not valued too expensively and it also shows a decent growth rate.
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.
- In the past 5 years NEWT has always been profitable.
- In the past 5 years NEWT reported 4 times negative operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 2.40%, NEWT is in the better half of the industry, outperforming 63.92% of the companies in the same industry.
- NEWT has a better Return On Equity (14.90%) than 79.38% of its industry peers.
- With a decent Return On Invested Capital value of 4.30%, NEWT is doing good in the industry, outperforming 60.82% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for NEWT is below the industry average of 8.38%.
- 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 76.29% 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 84.54% 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 97.94% of its industry peers.
| 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
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.
- Compared to 1 year ago, NEWT has more shares outstanding
- 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.
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.
- The Altman-Z score of NEWT (-0.06) is worse than 60.82% 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.
- NEWT has a worse Debt to Equity ratio (4.98) than 80.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.06 |
ROIC/WACC0.64
WACC6.77%
2.3 Liquidity
- A Current Ratio of 0.15 indicates that NEWT may have some problems paying its short term obligations.
- NEWT has a Current ratio of 0.15. This is in the lower half of the industry: NEWT underperforms 72.16% 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.
- The Quick ratio of NEWT (0.15) is worse than 72.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 |
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%.
- 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 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 13.44 indicates a correct valuation of NEWT.
- The rest of the industry has a similar Price/Earnings ratio as NEWT.
- NEWT is valuated cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 5.49 indicates a rather cheap valuation of NEWT.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of NEWT indicates a rather cheap valuation: NEWT is cheaper than 86.60% of the companies listed in the same industry.
- NEWT is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.44 | ||
| Fwd PE | 5.49 |
4.2 Price Multiples
- 82.47% of the companies in the same industry are more expensive than NEWT, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 7.08 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- NEWT's earnings are expected to grow with 46.82% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.09
PEG (5Y)N/A
EPS Next 2Y60.51%
EPS Next 3Y46.82%
5. Dividend
5.1 Amount
- NEWT has a Yearly Dividend Yield of 5.86%, which is a nice return.
- NEWT's Dividend Yield is rather good when compared to the industry average which is at 2.23. NEWT pays more dividend than 87.63% 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 | 5.86% |
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
- 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%
13.04
+0.32 (+2.52%)
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-0.15%
Ins Owners6.04%
Ins Owner Change1.84%
Market Cap402.81M
Revenue(TTM)309.46M
Net Income(TTM)57.62M
Analysts73.85
Price Target17.14 (31.44%)
Short Float %10.22%
Short Ratio8.78
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.86% |
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)11.26%
PT rev (3m)11.26%
EPS NQ rev (1m)-2.39%
EPS NQ rev (3m)1.62%
EPS NY rev (1m)3.56%
EPS NY rev (3m)1.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.52%
Revenue NY rev (1m)0.87%
Revenue NY rev (3m)1.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.44 | ||
| Fwd PE | 5.49 | ||
| P/S | 1.34 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.04 | ||
| P/tB | 1.08 | ||
| EV/EBITDA | 7.08 |
EPS(TTM)0.97
EY7.44%
EPS(NY)2.38
Fwd EY18.23%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)0.09
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 | -0.06 |
F-Score4
WACC6.77%
ROIC/WACC0.64
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 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.
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%.