NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) Fundamental Analysis & Valuation

NASDAQ:NEWTG • US6525268800

25.1 USD
+0.1 (+0.4%)
Last: Mar 12, 2026, 08:00 PM
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This NEWTG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

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. NEWTG has a medium profitability rating, but doesn't score so well on its financial health evaluation. NEWTG has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

5

1. NEWTG Profitability Analysis

1.1 Basic Checks

  • In the past year NEWTG was profitable.
  • NEWTG had a negative operating cash flow in the past year.
  • In the past 5 years NEWTG has always been profitable.
  • NEWTG had negative operating cash flow in 4 of the past 5 years.
NEWTG Yearly Net Income VS EBIT VS OCF VS FCFNEWTG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M -150M

1.2 Ratios

  • With a decent Return On Assets value of 2.40%, NEWTG is doing good in the industry, outperforming 62.24% of the companies in the same industry.
  • NEWTG has a better Return On Equity (14.90%) than 78.57% of its industry peers.
  • With a decent Return On Invested Capital value of 4.30%, NEWTG is doing good in the industry, outperforming 62.24% of the companies in the same industry.
  • NEWTG had an Average Return On Invested Capital over the past 3 years of 3.79%. This is below the industry average of 8.33%.
  • The last Return On Invested Capital (4.30%) for NEWTG is above the 3 year average (3.79%), which is a sign of increasing profitability.
Industry RankSector 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%
NEWTG Yearly ROA, ROE, ROICNEWTG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • The Profit Margin of NEWTG (19.15%) is better than 76.53% of its industry peers.
  • NEWTG's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 44.30%, NEWTG belongs to the top of the industry, outperforming 83.67% of the companies in the same industry.
  • In the last couple of years the Operating Margin of NEWTG has declined.
  • NEWTG has a Gross Margin of 93.95%. This is amongst the best in the industry. NEWTG outperforms 96.94% of its industry peers.
Industry RankSector 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
NEWTG Yearly Profit, Operating, Gross MarginsNEWTG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. NEWTG Health Analysis

2.1 Basic Checks

  • NEWTG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • NEWTG has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for NEWTG has been increased compared to 5 years ago.
  • The debt/assets ratio for NEWTG has remained at the same level compared to a year ago.
NEWTG Yearly Shares OutstandingNEWTG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
NEWTG Yearly Total Debt VS Total AssetsNEWTG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • Based on the Altman-Z score of 0.05, we must say that NEWTG is in the distress zone and has some risk of bankruptcy.
  • NEWTG has a worse Altman-Z score (0.05) than 61.22% of its industry peers.
  • A Debt/Equity ratio of 4.98 is on the high side and indicates that NEWTG has dependencies on debt financing.
  • NEWTG has a Debt to Equity ratio of 4.98. This is amonst the worse of the industry: NEWTG underperforms 80.61% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.98
Debt/FCF N/A
Altman-Z 0.05
ROIC/WACC0.57
WACC7.58%
NEWTG Yearly LT Debt VS Equity VS FCFNEWTG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M 800M

2.3 Liquidity

  • A Current Ratio of 0.15 indicates that NEWTG may have some problems paying its short term obligations.
  • The Current ratio of NEWTG (0.15) is worse than 72.45% of its industry peers.
  • A Quick Ratio of 0.15 indicates that NEWTG may have some problems paying its short term obligations.
  • NEWTG's Quick ratio of 0.15 is on the low side compared to the rest of the industry. NEWTG is outperformed by 72.45% of its industry peers.
Industry RankSector Rank
Current Ratio 0.15
Quick Ratio 0.15
NEWTG Yearly Current Assets VS Current LiabilitesNEWTG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. NEWTG Growth Analysis

3.1 Past

  • NEWTG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -50.26%.
  • NEWTG 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, NEWTG shows a quite strong growth in Revenue. The Revenue has grown by 13.34% in the last year.
  • Measured over the past years, NEWTG shows a very strong growth in Revenue. The Revenue has been growing by 24.47% on average per year.
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
  • The Revenue is expected to grow by 13.39% on average over the next years. This is quite good.
EPS Next Y144.13%
EPS Next 2Y61.36%
EPS Next 3Y46.82%
EPS Next 5YN/A
Revenue Next Year14.33%
Revenue Next 2Y13.39%
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.
  • 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.
NEWTG Yearly Revenue VS EstimatesNEWTG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
NEWTG Yearly EPS VS EstimatesNEWTG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3

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4

4. NEWTG Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 25.88, NEWTG can be considered very expensive at the moment.
  • NEWTG's Price/Earnings ratio is a bit more expensive when compared to the industry. NEWTG is more expensive than 64.29% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of NEWTG to the average of the S&P500 Index (25.71), we can say NEWTG is valued inline with the index average.
  • A Price/Forward Earnings ratio of 10.60 indicates a reasonable valuation of NEWTG.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NEWTG is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of NEWTG to the average of the S&P500 Index (23.82), we can say NEWTG is valued rather cheaply.
Industry RankSector Rank
PE 25.88
Fwd PE 10.6
NEWTG Price Earnings VS Forward Price EarningsNEWTG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 70.41% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 9.91
NEWTG Per share dataNEWTG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 -10 -15

4.3 Compensation for Growth

  • The 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 46.82% in the coming years.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y61.36%
EPS Next 3Y46.82%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. NEWTG Dividend Analysis

5.1 Amount

  • NEWTG has a Yearly Dividend Yield of 6.11%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.34, NEWTG pays a better dividend. On top of this NEWTG pays more dividend than 85.71% 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 1.82.
Industry RankSector Rank
Dividend Yield 6.11%

5.2 History

  • The dividend of NEWTG decreases each year by -17.44%.
  • NEWTG has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)-17.44%
Div Incr Years0
Div Non Decr Years0
NEWTG Yearly Dividends per shareNEWTG Yearly Dividends per shareYearly Dividends per share 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • NEWTG pays out 37.16% of its income as dividend. This is a sustainable payout ratio.
DP37.16%
EPS Next 2Y61.36%
EPS Next 3Y46.82%
NEWTG Yearly Income VS Free CF VS DividendNEWTG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M -150M
NEWTG Dividend Payout.NEWTG Dividend Payout, showing the Payout Ratio.NEWTG Dividend Payout.PayoutRetained Earnings

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NEWTG Fundamentals: All Metrics, Ratios and Statistics

NEWTEKONE INC - NEWT 8 1/2 06/01/29

NASDAQ:NEWTG (3/12/2026, 8:00:56 PM)

25.1

+0.1 (+0.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)05-04
Inst Owners44.05%
Inst Owner ChangeN/A
Ins Owners6.08%
Ins Owner ChangeN/A
Market Cap775.34M
Revenue(TTM)309.46M
Net Income(TTM)57.62M
Analysts73.85
Price Target36 (43.43%)
Short Float %0.01%
Short Ratio0.37
Dividend
Industry RankSector Rank
Dividend Yield 6.11%
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP37.16%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-27
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)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)11.17%
PT rev (3m)4.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.54%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)5.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.52%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)2.3%
Valuation
Industry RankSector Rank
PE 25.88
Fwd PE 10.6
P/S 2.58
P/FCF N/A
P/OCF N/A
P/B 2
P/tB 2.08
EV/EBITDA 9.91
EPS(TTM)0.97
EY3.86%
EPS(NY)2.37
Fwd EY9.43%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)0.18
PEG (5Y)N/A
Graham Number16.53
Profitability
Industry RankSector 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 RankSector 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
WACC7.58%
ROIC/WACC0.57
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 Y144.13%
EPS Next 2Y61.36%
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 Year14.33%
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 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 for NEWTG stock?

ChartMill assigns a valuation rating of 4 / 10 to NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG). This can be considered as Fairly Valued.


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.


How financially healthy is NEWTEKONE INC - NEWT 8 1/2 06/01/29?

The financial health rating of NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) is 0 / 10.


What is the expected EPS growth for NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) stock?

The Earnings per Share (EPS) of NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) is expected to grow by 144.13% in the next year.