NEWTEKONE INC (NEWT) Fundamental Analysis & Valuation

NASDAQ:NEWT • US6525262035

Current stock price

11.23 USD
-0.28 (-2.43%)
At close:
11.23 USD
0 (0%)
After Hours:

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

  • NEWT had positive earnings in the past year.
  • NEWT had a negative operating cash flow in the past year.
  • 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

  • NEWT's Return On Assets of 2.40% is fine compared to the rest of the industry. NEWT outperforms 62.24% of its industry peers.
  • NEWT has a Return On Equity of 14.90%. This is in the better half of the industry: NEWT outperforms 79.59% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 4.30%, NEWT is in the better half of the industry, outperforming 63.27% 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 8.22%.
  • 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

  • Looking at the Profit Margin, with a value of 19.15%, NEWT is in the better half of the industry, outperforming 77.55% of the companies in the same industry.
  • In the last couple of years the Profit Margin of NEWT has declined.
  • Looking at the Operating Margin, with a value of 44.30%, NEWT belongs to the top of the industry, outperforming 84.69% of the companies in the same industry.
  • NEWT's Operating Margin has declined in the last couple of years.
  • NEWT has a Gross Margin of 93.95%. This is amongst the best in the industry. NEWT outperforms 97.96% of its industry peers.
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. NEWT Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NEWT is destroying value.
  • The number of shares outstanding for NEWT has been increased compared to 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 -0.07. 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 (-0.07) is worse than 62.24% 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.
  • The Debt to Equity ratio of NEWT (4.98) is worse than 79.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.98
Debt/FCF N/A
Altman-Z -0.07
ROIC/WACC0.66
WACC6.55%
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

  • A Current Ratio of 0.15 indicates that NEWT may have some problems paying its short term obligations.
  • NEWT has a worse Current ratio (0.15) than 70.41% 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.
  • Looking at the Quick ratio, with a value of 0.15, NEWT is doing worse than 70.41% of the companies in the same industry.
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. NEWT Growth Analysis

3.1 Past

  • The earnings per share for NEWT have decreased strongly by -50.26% in the last year.
  • 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.
  • NEWT shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 24.47% yearly.
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

  • The Earnings Per Share is expected to grow by 46.82% on average over the next years. This is a very strong growth
  • 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.
  • 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.
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

  • Based on the Price/Earnings ratio of 11.58, the valuation of NEWT can be described as reasonable.
  • NEWT's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 25.23. NEWT is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 4.74, the valuation of NEWT can be described as very cheap.
  • 86.73% 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 23.28, NEWT is valued rather cheaply.
Industry RankSector Rank
PE 11.58
Fwd PE 4.74
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

  • 80.61% 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 6.8
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.
  • 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 6.48%, which is a nice return.
  • NEWT's Dividend Yield is rather good when compared to the industry average which is at 2.61. NEWT pays more dividend than 84.69% of the companies in the same industry.
  • NEWT's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 6.48%

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
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

  • 37.16% of the earnings are spent on dividend by NEWT. This is a low number and sustainable payout ratio.
DP37.16%
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 50M -50M 100M -100M -150M
NEWT Dividend Payout.NEWT Dividend Payout, showing the Payout Ratio.NEWT Dividend Payout.PayoutRetained Earnings

More info and screens

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NEWT Fundamentals: All Metrics, Ratios and Statistics

NEWTEKONE INC

NASDAQ:NEWT (3/20/2026, 8:12:55 PM)

After market: 11.23 0 (0%)

11.23

-0.28 (-2.43%)

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 Cap346.89M
Revenue(TTM)309.46M
Net Income(TTM)57.62M
Analysts73.85
Price Target17.34 (54.41%)
Short Float %10.48%
Short Ratio9.99
Dividend
Industry RankSector Rank
Dividend Yield 6.48%
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)1.19%
PT rev (3m)12.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.54%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)5.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.52%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)2.3%
Valuation
Industry RankSector Rank
PE 11.58
Fwd PE 4.74
P/S 1.15
P/FCF N/A
P/OCF N/A
P/B 0.9
P/tB 0.93
EV/EBITDA 6.8
EPS(TTM)0.97
EY8.64%
EPS(NY)2.37
Fwd EY21.09%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)0.08
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 -0.07
F-Score4
WACC6.55%
ROIC/WACC0.66
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 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 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 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 37.16%.