11.27 USD
+0.04 (+0.36%)
11.27 USD
0 (0%)
Taking everything into account, NEWT scores 4 out of 10 in our fundamental rating. NEWT was compared to 98 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 has a correct valuation and a medium 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.
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
NEWT's Return On Assets of 2.40% is fine compared to the rest of the industry. NEWT outperforms 65.31% of its industry peers.
NEWT's Return On Equity of 14.90% is amongst the best of the industry. NEWT outperforms 80.61% of its industry peers.
NEWT has a Return On Invested Capital of 4.26%. This is in the better half of the industry: NEWT outperforms 61.22% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for NEWT is below the industry average of 8.20%.
| 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
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.
With an excellent Operating Margin value of 44.30%, NEWT belongs to the best of the industry, outperforming 84.69% of the companies in the same industry.
In the last couple of years the Operating Margin of NEWT has declined.
NEWT has a better Gross Margin (93.95%) than 97.96% 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
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 a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of -0.07, we must say that NEWT is in the distress zone and has some risk of bankruptcy.
NEWT has a Altman-Z score of -0.07. This is in the lower half of the industry: NEWT underperforms 64.29% 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 80.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.07 |
ROIC/WACC0.77
WACC5.55%
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.
Looking at the Current ratio, with a value of 0.15, NEWT is doing worse than 73.47% of the companies in the same industry.
A Quick Ratio of 0.15 indicates that NEWT may have some problems paying its short term obligations.
With a Quick ratio value of 0.15, NEWT is not doing good in the industry: 73.47% of the companies in the same industry are doing better.
| 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 -43.58%.
Measured over the past years, NEWT shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.50% on average per year.
Looking at the last year, NEWT shows a very strong growth in Revenue. The Revenue has grown by 22.63%.
Measured over the past years, NEWT shows a very strong growth in Revenue. The Revenue has been growing by 20.01% on average per year.
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
Based on estimates for the next years, NEWT will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.02% on average per year.
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
A Price/Earnings ratio of 11.16 indicates a reasonable valuation of NEWT.
NEWT's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.46. NEWT is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 5.00 indicates a rather cheap valuation of NEWT.
Based on the Price/Forward Earnings ratio, NEWT is valued cheaply inside the industry as 87.76% of the companies are valued more expensively.
NEWT is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.16 | ||
| Fwd PE | 5 |
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 85.71% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 6.75 |
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)0.72
PEG (5Y)N/A
EPS Next 2Y7.52%
EPS Next 3Y7.01%
5. Dividend
5.1 Amount
NEWT has a Yearly Dividend Yield of 5.49%, which is a nice return.
NEWT's Dividend Yield is rather good when compared to the industry average which is at 4.73. NEWT pays more dividend than 88.78% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, NEWT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
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.
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%
11.27
+0.04 (+0.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners43.67%
Inst Owner Change21.4%
Ins Owners6.03%
Ins Owner Change1.31%
Market Cap348.13M
Revenue(TTM)300.92M
Net Income(TTM)57.62M
Analysts73.85
Price Target15.4 (36.65%)
Short Float %9.95%
Short Ratio11.55
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
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)-9.43%
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 | 11.16 | ||
| Fwd PE | 5 | ||
| P/S | 1.16 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.9 | ||
| P/tB | 0.94 | ||
| EV/EBITDA | 6.75 |
EPS(TTM)1.01
EY8.96%
EPS(NY)2.25
Fwd EY20%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)0.72
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 | -0.07 |
F-Score3
WACC5.55%
ROIC/WACC0.77
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 11.16 and the Price/Book (PB) ratio is 0.9.
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.