NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) Stock Fundamental Analysis
USA - NASDAQ:NEWTG - US6525268800
25.25 USD
-0.1 (-0.39%)
Taking everything into account, NEWTG scores 4 out of 10 in our fundamental rating. NEWTG was compared to 98 industry peers in the Financial Services industry. While NEWTG is still in line with the averages on profitability rating, there are concerns on its financial health. While showing a medium growth rate, NEWTG is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year NEWTG was profitable.
NEWTG had a negative operating cash flow in the past year.
NEWTG had positive earnings in each of the past 5 years.
In multiple years NEWTG reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of NEWTG (2.43%) is better than 61.22% of its industry peers.
NEWTG's Return On Equity of 16.57% is amongst the best of the industry. NEWTG outperforms 80.61% of its industry peers.
NEWTG has a Return On Invested Capital (4.13%) which is in line with its industry peers.
NEWTG had an Average Return On Invested Capital over the past 3 years of 4.45%. This is below the industry average of 7.85%.
| 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
NEWTG has a better Profit Margin (18.54%) than 73.47% of its industry peers.
NEWTG's Profit Margin has declined in the last couple of years.
NEWTG has a better Operating Margin (41.07%) than 78.57% of its industry peers.
In the last couple of years the Operating Margin of NEWTG has declined.
The Gross Margin of NEWTG (93.47%) is better than 94.90% of its industry peers.
| 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.
Compared to 1 year ago, NEWTG has more shares outstanding
The number of shares outstanding for NEWTG has been increased compared to 5 years ago.
The debt/assets ratio for NEWTG is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.06, we must say that NEWTG is in the distress zone and 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 61.22% 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 worse Debt to Equity ratio (5.58) than 82.65% 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 75.51% of its industry peers.
A Quick Ratio of 0.18 indicates that NEWTG may have some problems paying its short term obligations.
NEWTG's Quick ratio of 0.18 is on the low side compared to the rest of the industry. NEWTG is outperformed by 75.51% of its industry peers.
| 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.
Measured over the past years, NEWTG shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.50% on average per year.
The Revenue has grown by 22.63% in the past year. This is a very strong growth!
Measured over the past years, NEWTG 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
NEWTG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.02% yearly.
NEWTG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.61% yearly.
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
NEWTG is valuated quite expensively with a Price/Earnings ratio of 25.00.
Compared to the rest of the industry, the Price/Earnings ratio of NEWTG indicates a slightly more expensive valuation: NEWTG is more expensive than 66.33% of the companies listed in the same industry.
NEWTG's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.83.
Based on the Price/Forward Earnings ratio of 10.80, the valuation of NEWTG can be described as reasonable.
NEWTG's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 32.68. NEWTG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25 | ||
| Fwd PE | 10.8 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NEWTG is valued a bit cheaper than the industry average as 67.35% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.24 |
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
With a Yearly Dividend Yield of 7.24%, NEWTG is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.94, NEWTG pays a better dividend. On top of this NEWTG pays more dividend than 86.73% of the companies listed in the same industry.
NEWTG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.24% |
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 (11/7/2025, 8:01:20 PM)
25.25
-0.1 (-0.39%)
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 Cap715.08M
Revenue(TTM)300.92M
Net Income(TTM)51.73M
Analysts73.85
Price Target35.88 (42.1%)
Short Float %0%
Short Ratio0.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.24% |
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)18.43%
PT rev (3m)11.85%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.2%
EPS NY rev (1m)0%
EPS NY rev (3m)0.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.03%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25 | ||
| Fwd PE | 10.8 | ||
| P/S | 2.56 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.29 | ||
| P/tB | 2.4 | ||
| EV/EBITDA | 10.24 |
EPS(TTM)1.01
EY4%
EPS(NY)2.34
Fwd EY9.26%
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%.