NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) Stock Fundamental Analysis
USA - NASDAQ:NEWTG - US6525268800
25.26 USD
-0.04 (-0.16%)
Taking everything into account, NEWTG scores 4 out of 10 in our fundamental rating. NEWTG was compared to 99 industry peers in the Financial Services industry. NEWTG has a medium profitability rating, but doesn't score so well on its financial health evaluation. NEWTG is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
NEWTG had positive earnings in the past year.
In the past year NEWTG has reported a negative cash flow from operations.
Each year in the past 5 years NEWTG has been profitable.
The reported operating cash flow has been mixed in the past 5 years: NEWTG reported negative operating cash flow in multiple years.
1.2 Ratios
With a decent Return On Assets value of 2.43%, NEWTG is doing good in the industry, outperforming 64.65% of the companies in the same industry.
NEWTG's Return On Equity of 16.57% is amongst the best of the industry. NEWTG outperforms 80.81% of its industry peers.
The Return On Invested Capital of NEWTG (4.13%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for NEWTG is below the industry average of 8.15%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.43% | ||
| ROE | 16.57% | ||
| ROIC | 4.13% |
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 18.54%, NEWTG is doing good in the industry, outperforming 73.74% of the companies in the same industry.
NEWTG's Profit Margin has declined in the last couple of years.
NEWTG's Operating Margin of 41.07% is fine compared to the rest of the industry. NEWTG outperforms 78.79% of its industry peers.
NEWTG's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 93.47%, NEWTG belongs to the top of the industry, outperforming 94.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 41.07% | ||
| PM (TTM) | 18.54% | ||
| GM | 93.47% |
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), NEWTG is destroying value.
The number of shares outstanding for NEWTG has been increased compared to 1 year ago.
NEWTG has more shares outstanding than it did 5 years ago.
NEWTG has a worse debt/assets ratio than last year.
2.2 Solvency
NEWTG has an Altman-Z score of 0.06. This is a bad value and indicates that NEWTG is not financially healthy and even has some risk of bankruptcy.
NEWTG has a Altman-Z score of 0.06. This is in the lower half of the industry: NEWTG underperforms 60.61% of its industry peers.
A Debt/Equity ratio of 5.58 is on the high side and indicates that NEWTG has dependencies on debt financing.
NEWTG has a Debt to Equity ratio of 5.58. This is amonst the worse of the industry: NEWTG underperforms 81.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.58 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.06 |
ROIC/WACC0.72
WACC5.75%
2.3 Liquidity
A Current Ratio of 0.18 indicates that NEWTG may have some problems paying its short term obligations.
NEWTG has a Current ratio of 0.18. This is in the lower half of the industry: NEWTG underperforms 74.75% of its industry peers.
A Quick Ratio of 0.18 indicates that NEWTG may have some problems paying its short term obligations.
With a Quick ratio value of 0.18, NEWTG is not doing good in the industry: 74.75% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 |
3. Growth
3.1 Past
The earnings per share for NEWTG have decreased strongly by -43.58% in the last year.
NEWTG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.50% yearly.
Looking at the last year, NEWTG shows a very strong growth in Revenue. The Revenue has grown by 22.63%.
The Revenue has been growing by 20.01% on average over the past years. This is a very strong growth!
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.
Based on estimates for the next years, NEWTG will show a quite strong growth in Revenue. The Revenue will grow by 13.61% on average per year.
EPS Next Y16.21%
EPS Next 2Y9.49%
EPS Next 3Y7.84%
EPS Next 5Y12.02%
Revenue Next Year15.78%
Revenue Next 2Y14.16%
Revenue Next 3Y13.61%
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.
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 25.01 indicates a quite expensive valuation of NEWTG.
65.66% of the companies in the same industry are cheaper than NEWTG, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 25.51. NEWTG is around the same levels.
A Price/Forward Earnings ratio of 10.81 indicates a reasonable valuation of NEWTG.
The rest of the industry has a similar Price/Forward Earnings ratio as NEWTG.
When comparing the Price/Forward Earnings ratio of NEWTG to the average of the S&P500 Index (34.98), we can say NEWTG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.01 | ||
| Fwd PE | 10.81 |
4.2 Price Multiples
66.67% of the companies in the same industry are more expensive than NEWTG, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.22 |
4.3 Compensation for Growth
NEWTG's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.54
PEG (5Y)N/A
EPS Next 2Y9.49%
EPS Next 3Y7.84%
5. Dividend
5.1 Amount
NEWTG has a Yearly Dividend Yield of 7.56%, which is a nice return.
Compared to an average industry Dividend Yield of 4.68, NEWTG pays a better dividend. On top of this NEWTG pays more dividend than 91.92% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, NEWTG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.56% |
5.2 History
The dividend of NEWTG decreases each year by -17.44%.
NEWTG does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)-17.44%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
NEWTG pays out 40.47% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP40.47%
EPS Next 2Y9.49%
EPS Next 3Y7.84%
NEWTEKONE INC - NEWT 8 1/2 06/01/29
NASDAQ:NEWTG (11/18/2025, 8:00:02 PM)
25.26
-0.04 (-0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners47.38%
Inst Owner ChangeN/A
Ins Owners6.58%
Ins Owner ChangeN/A
Market Cap715.36M
Revenue(TTM)300.92M
Net Income(TTM)51.73M
Analysts73.85
Price Target37.87 (49.92%)
Short Float %0.01%
Short Ratio0.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.56% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP40.47%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-117%
Min EPS beat(2)-230.76%
Max EPS beat(2)-3.23%
EPS beat(4)2
Avg EPS beat(4)-57.52%
Min EPS beat(4)-230.76%
Max EPS beat(4)2.01%
EPS beat(8)5
Avg EPS beat(8)-23.36%
EPS beat(12)6
Avg EPS beat(12)-22.68%
EPS beat(16)9
Avg EPS beat(16)-15.28%
Revenue beat(2)1
Avg Revenue beat(2)4.91%
Min Revenue beat(2)-6.85%
Max Revenue beat(2)16.67%
Revenue beat(4)3
Avg Revenue beat(4)4.89%
Min Revenue beat(4)-6.85%
Max Revenue beat(4)16.67%
Revenue beat(8)5
Avg Revenue beat(8)3.23%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)17.79%
PT rev (3m)19.2%
EPS NQ rev (1m)-1.09%
EPS NQ rev (3m)-3.25%
EPS NY rev (1m)-0.77%
EPS NY rev (3m)-0.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-2.33%
Revenue NY rev (3m)-4.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.01 | ||
| Fwd PE | 10.81 | ||
| P/S | 2.56 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.29 | ||
| P/tB | 2.4 | ||
| EV/EBITDA | 10.22 |
EPS(TTM)1.01
EY4%
EPS(NY)2.34
Fwd EY9.25%
FCF(TTM)-13.41
FCFYN/A
OCF(TTM)-13.39
OCFYN/A
SpS9.85
BVpS11.02
TBVpS10.51
PEG (NY)1.54
PEG (5Y)N/A
Graham Number15.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.43% | ||
| ROE | 16.57% | ||
| ROCE | 11.82% | ||
| ROIC | 4.13% | ||
| ROICexc | 4.55% | ||
| ROICexgc | 5.13% | ||
| OM | 41.07% | ||
| PM (TTM) | 18.54% | ||
| GM | 93.47% | ||
| 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-Score4
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.58 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 15.04 | ||
| Cap/Depr | 34.93% | ||
| Cap/Sales | 0.14% | ||
| Interest Coverage | 1.3 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 | ||
| Altman-Z | 0.06 |
F-Score4
WACC5.75%
ROIC/WACC0.72
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 Y16.21%
EPS Next 2Y9.49%
EPS Next 3Y7.84%
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 1Y40%
EBIT growth 3Y3.47%
EBIT growth 5Y10.99%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-87.76%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-87.65%
OCF growth 3YN/A
OCF growth 5YN/A
NEWTEKONE INC - NEWT 8 1/2 06/01/29 / NEWTG FAQ
What is the ChartMill fundamental rating of NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) stock?
ChartMill assigns a fundamental rating of 4 / 10 to NEWTG.
What is the valuation status of NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) stock?
ChartMill assigns a valuation rating of 3 / 10 to NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG). This can be considered as Overvalued.
Can you provide the profitability details for NEWTEKONE INC - NEWT 8 1/2 06/01/29?
NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) has a profitability rating of 5 / 10.
What is the earnings growth outlook for NEWTEKONE INC - NEWT 8 1/2 06/01/29?
The Earnings per Share (EPS) of NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) is expected to grow by 16.21% in the next year.
How sustainable is the dividend of NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) stock?
The dividend rating of NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) is 5 / 10 and the dividend payout ratio is 40.47%.