NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) Stock Fundamental Analysis
NASDAQ:NEWTG - Nasdaq - US6525268800 - Currency: USD
Overall NEWTG gets a fundamental rating of 4 out of 10. We evaluated NEWTG against 100 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. NEWTG is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year NEWTG was profitable.
In the past year NEWTG has reported a negative cash flow from operations.
NEWTG had positive earnings in each of the past 5 years.
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 Return On Assets value of 2.29%, NEWTG perfoms like the industry average, outperforming 59.00% of the companies in the same industry.
NEWTG's Return On Equity of 16.20% is fine compared to the rest of the industry. NEWTG outperforms 78.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 4.71%, NEWTG is in line with its industry, outperforming 60.00% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for NEWTG is significantly below the industry average of 11.84%.
The 3 year average ROIC (4.45%) for NEWTG is below the current ROIC(4.71%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.29% | ||
| ROE | 16.2% | ||
| ROIC | 4.71% |
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 16.71%, NEWTG is in the better half of the industry, outperforming 72.00% of the companies in the same industry.
In the last couple of years the Profit Margin of NEWTG has declined.
NEWTG has a better Operating Margin (44.47%) than 84.00% of its industry peers.
In the last couple of years the Operating Margin of NEWTG has declined.
NEWTG's Gross Margin of 93.35% is amongst the best of the industry. NEWTG outperforms 97.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 44.47% | ||
| PM (TTM) | 16.71% | ||
| GM | 93.35% |
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.
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
NEWTG has an Altman-Z score of 0.15. This is a bad value and indicates that NEWTG is not financially healthy and even has some risk of bankruptcy.
NEWTG's Altman-Z score of 0.15 is on the low side compared to the rest of the industry. NEWTG is outperformed by 63.00% of its industry peers.
A Debt/Equity ratio of 5.76 is on the high side and indicates that NEWTG has dependencies on debt financing.
NEWTG has a worse Debt to Equity ratio (5.76) than 81.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.76 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.15 |
ROIC/WACC0.83
WACC5.71%
2.3 Liquidity
NEWTG has a Current Ratio of 0.26. This is a bad value and indicates that NEWTG is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.26, NEWTG is doing worse than 69.00% of the companies in the same industry.
NEWTG has a Quick Ratio of 0.26. This is a bad value and indicates that NEWTG is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.26, NEWTG is not doing good in the industry: 69.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.26 | ||
| Quick Ratio | 0.26 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 25.97% over the past year.
NEWTG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.30% yearly.
The Revenue has grown by 34.91% 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)25.97%
EPS 3Y-17.2%
EPS 5Y-3.3%
EPS Q2Q%-7.89%
Revenue 1Y (TTM)34.91%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%29.1%
3.2 Future
The Earnings Per Share is expected to grow by 11.73% 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 17.43% on average per year.
EPS Next Y15.88%
EPS Next 2Y9.84%
EPS Next 3Y13.31%
EPS Next 5Y11.73%
Revenue Next Year21.48%
Revenue Next 2Y17.43%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.73 indicates a correct valuation of NEWTG.
NEWTG's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 27.15. NEWTG is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 10.39, the valuation of NEWTG can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NEWTG is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 21.60. NEWTG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.73 | ||
| Fwd PE | 10.39 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NEWTG indicates a somewhat cheap valuation: NEWTG is cheaper than 75.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.77 |
4.3 Compensation for Growth
NEWTG'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 NEWTG's earnings are expected to grow with 13.31% in the coming years.
PEG (NY)0.8
PEG (5Y)N/A
EPS Next 2Y9.84%
EPS Next 3Y13.31%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.59%, NEWTG is a good candidate for dividend investing.
NEWTG's Dividend Yield is rather good when compared to the industry average which is at 4.97. NEWTG pays more dividend than 90.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.42, NEWTG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.59% |
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 42.30% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP42.3%
EPS Next 2Y9.84%
EPS Next 3Y13.31%
NEWTEKONE INC - NEWT 8 1/2 06/01/29
NASDAQ:NEWTG (6/30/2025, 4:30:02 PM)
24.69
-0.01 (-0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners42.12%
Inst Owner ChangeN/A
Ins Owners6.53%
Ins Owner ChangeN/A
Market Cap650.33M
Analysts72.31
Price Target34.19 (38.48%)
Short Float %0.01%
Short Ratio0.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.59% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP42.3%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.61%
Min EPS beat(2)-3.23%
Max EPS beat(2)2.01%
EPS beat(4)3
Avg EPS beat(4)1.74%
Min EPS beat(4)-3.23%
Max EPS beat(4)6.31%
EPS beat(8)5
Avg EPS beat(8)5.03%
EPS beat(12)7
Avg EPS beat(12)-2.92%
EPS beat(16)10
Avg EPS beat(16)3.08%
Revenue beat(2)2
Avg Revenue beat(2)13.05%
Min Revenue beat(2)9.43%
Max Revenue beat(2)16.67%
Revenue beat(4)4
Avg Revenue beat(4)7.32%
Min Revenue beat(4)0.33%
Max Revenue beat(4)16.67%
Revenue beat(8)5
Avg Revenue beat(8)3.56%
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)-7.95%
PT rev (3m)15.47%
EPS NQ rev (1m)-0.63%
EPS NQ rev (3m)-0.02%
EPS NY rev (1m)0.94%
EPS NY rev (3m)-0.11%
Revenue NQ rev (1m)2.23%
Revenue NQ rev (3m)2.23%
Revenue NY rev (1m)2.93%
Revenue NY rev (3m)8.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.73 | ||
| Fwd PE | 10.39 | ||
| P/S | 2.22 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.15 | ||
| P/tB | 2.26 | ||
| EV/EBITDA | 8.77 |
EPS(TTM)1.94
EY7.86%
EPS(NY)2.38
Fwd EY9.63%
FCF(TTM)-6.72
FCFYN/A
OCF(TTM)-6.7
OCFYN/A
SpS11.13
BVpS11.48
TBVpS10.92
PEG (NY)0.8
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.29% | ||
| ROE | 16.2% | ||
| ROCE | 12.05% | ||
| ROIC | 4.71% | ||
| ROICexc | 5.43% | ||
| ROICexgc | 5.91% | ||
| OM | 44.47% | ||
| PM (TTM) | 16.71% | ||
| GM | 93.35% | ||
| 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%
ROICexcg growth 3Y-25.12%
ROICexcg 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 Turnover0.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.76 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 13.21 | ||
| Cap/Depr | 29.97% | ||
| Cap/Sales | 0.14% | ||
| Interest Coverage | 1.53 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.26 | ||
| Quick Ratio | 0.26 | ||
| Altman-Z | 0.15 |
F-Score3
WACC5.71%
ROIC/WACC0.83
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)25.97%
EPS 3Y-17.2%
EPS 5Y-3.3%
EPS Q2Q%-7.89%
EPS Next Y15.88%
EPS Next 2Y9.84%
EPS Next 3Y13.31%
EPS Next 5Y11.73%
Revenue 1Y (TTM)34.91%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%29.1%
Revenue Next Year21.48%
Revenue Next 2Y17.43%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y88.42%
EBIT growth 3Y3.47%
EBIT growth 5Y10.99%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y4.62%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y4.74%
OCF growth 3YN/A
OCF growth 5YN/A