13.54 USD
+0.1 (+0.74%)
At close: Feb 3, 2026
13.54 USD
0 (0%)
After Hours: 2/3/2026, 8:00:02 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 valued quite cheap, while showing a decent growth score. This is a good combination!
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.
- In the past 5 years NEWT has always been profitable.
- 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.
- NEWT has a Return On Equity of 14.90%. This is amongst the best in the industry. NEWT outperforms 80.41% of its industry peers.
- NEWT has a Return On Invested Capital of 4.30%. This is in the better half of the industry: NEWT outperforms 61.86% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for NEWT is below the industry average of 8.52%.
- 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
- NEWT's Profit Margin of 19.15% is fine compared to the rest of the industry. NEWT outperforms 77.32% of its industry peers.
- In the last couple of years the Profit Margin of NEWT has declined.
- NEWT has a Operating Margin of 44.30%. This is amongst the best in the industry. NEWT outperforms 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NEWT is destroying value.
- NEWT has more shares outstanding than it did 1 year ago.
- 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
- 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's Altman-Z score of -0.05 is on the low side compared to the rest of the industry. NEWT is outperformed by 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.
- NEWT has a worse Debt to Equity ratio (4.98) than 79.38% of its industry peers.
| 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.
- The Current ratio of NEWT (0.15) is worse 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.
- NEWT has a worse Quick ratio (0.15) than 70.10% 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 -50.26% in the last year.
- NEWT shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.98% yearly.
- 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
- 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 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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 13.96, which 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 28.18, 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.
- 84.54% 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 (25.51), we can say NEWT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.96 | ||
| Fwd PE | 5.7 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, NEWT is valued cheaper than 80.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 7.27 |
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%
5. Dividend
5.1 Amount
- NEWT has a Yearly Dividend Yield of 5.65%, which is a nice return.
- NEWT's Dividend Yield is rather good when compared to the industry average which is at 1.99. NEWT pays more dividend than 88.66% of the companies in the same industry.
- NEWT's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.65% |
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
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%
13.54
+0.1 (+0.74%)
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 Cap418.25M
Revenue(TTM)309.46M
Net Income(TTM)57.62M
Analysts73.85
Price Target17.14 (26.59%)
Short Float %10.62%
Short Ratio8.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.65% |
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 | 13.96 | ||
| 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 | 7.27 |
EPS(TTM)0.97
EY7.16%
EPS(NY)2.38
Fwd EY17.55%
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%.