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

NASDAQ:NEWTG - Nasdaq - US6525268800

25.13  0 (0%)

Fundamental Rating

4

Taking everything into account, NEWTG scores 4 out of 10 in our fundamental rating. NEWTG was compared to 101 industry peers in the Financial Services industry. There are concerns on the financial health of NEWTG while its profitability can be described as average. NEWTG is not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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6

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M -50M 100M -100M

1.2 Ratios

Looking at the Return On Assets, with a value of 2.97%, NEWTG is in the better half of the industry, outperforming 61.39% of the companies in the same industry.
NEWTG has a better Return On Equity (17.64%) than 80.20% of its industry peers.
NEWTG's Return On Invested Capital of 4.58% is fine compared to the rest of the industry. NEWTG outperforms 67.33% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for NEWTG is in line with the industry average of 7.84%.
Industry RankSector Rank
ROA 2.97%
ROE 17.64%
ROIC 4.58%
ROA(3y)4.8%
ROA(5y)4.71%
ROE(3y)15.95%
ROE(5y)14.1%
ROIC(3y)6.24%
ROIC(5y)6.3%
NEWTG Yearly ROA, ROE, ROICNEWTG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20

1.3 Margins

NEWTG has a better Profit Margin (20.26%) than 75.25% of its industry peers.
NEWTG's Profit Margin has declined in the last couple of years.
The Operating Margin of NEWTG (37.76%) is better than 83.17% of its industry peers.
In the last couple of years the Operating Margin of NEWTG has declined.
With an excellent Gross Margin value of 92.20%, NEWTG belongs to the best of the industry, outperforming 97.03% of the companies in the same industry.
Industry RankSector Rank
OM 37.76%
PM (TTM) 20.26%
GM 92.2%
OM growth 3Y-21.9%
OM growth 5Y-13.16%
PM growth 3Y-11.4%
PM growth 5Y-10.15%
GM growth 3YN/A
GM growth 5YN/A
NEWTG Yearly Profit, Operating, Gross MarginsNEWTG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 20 40 60 80

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0

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), NEWTG is creating some value.
NEWTG has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, NEWTG has more shares outstanding
Compared to 1 year ago, NEWTG has a worse debt to assets ratio.
NEWTG Yearly Shares OutstandingNEWTG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M
NEWTG Yearly Total Debt VS Total AssetsNEWTG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B

2.2 Solvency

Based on the Altman-Z score of 0.29, we must say that NEWTG is in the distress zone and has some risk of bankruptcy.
NEWTG's Altman-Z score of 0.29 is in line compared to the rest of the industry. NEWTG outperforms 41.58% of its industry peers.
NEWTG has a Debt/Equity ratio of 4.63. This is a high value indicating a heavy dependency on external financing.
NEWTG has a Debt to Equity ratio of 4.63. This is amonst the worse of the industry: NEWTG underperforms 84.16% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.63
Debt/FCF N/A
Altman-Z 0.29
ROIC/WACC0.81
WACC5.67%
NEWTG Yearly LT Debt VS Equity VS FCFNEWTG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200M 400M 600M

2.3 Liquidity

NEWTG has a Current Ratio of 0.31. 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 0.31, NEWTG is doing worse than 70.30% of the companies in the same industry.
A Quick Ratio of 0.31 indicates that NEWTG may have some problems paying its short term obligations.
NEWTG has a Quick ratio of 0.31. This is in the lower half of the industry: NEWTG underperforms 70.30% of its industry peers.
Industry RankSector Rank
Current Ratio 0.31
Quick Ratio 0.31
NEWTG Yearly Current Assets VS Current LiabilitesNEWTG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M 500M

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7

3. Growth

3.1 Past

NEWTG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 57.02%, which is quite impressive.
The Earnings Per Share has been decreasing by -3.76% on average over the past years.
Looking at the last year, NEWTG shows a very strong growth in Revenue. The Revenue has grown by 39.09%.
Measured over the past years, NEWTG shows a quite strong growth in Revenue. The Revenue has been growing by 17.02% on average per year.
EPS 1Y (TTM)57.02%
EPS 3Y-7.89%
EPS 5Y-3.76%
EPS Q2Q%21.62%
Revenue 1Y (TTM)39.09%
Revenue growth 3Y25.21%
Revenue growth 5Y17.02%
Sales Q2Q%18.66%

3.2 Future

Based on estimates for the next years, NEWTG will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.00% on average per year.
The Revenue is expected to grow by 13.17% on average over the next years. This is quite good.
EPS Next Y20.46%
EPS Next 2Y15.34%
EPS Next 3Y15.35%
EPS Next 5Y17%
Revenue Next Year17.32%
Revenue Next 2Y12.83%
Revenue Next 3Y13.17%
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.
NEWTG Yearly Revenue VS EstimatesNEWTG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 100M 200M 300M
NEWTG Yearly EPS VS EstimatesNEWTG Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.04 indicates a correct valuation of NEWTG.
NEWTG's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of NEWTG to the average of the S&P500 Index (28.29), we can say NEWTG is valued rather cheaply.
A Price/Forward Earnings ratio of 11.73 indicates a reasonable valuation of NEWTG.
NEWTG's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of NEWTG to the average of the S&P500 Index (24.44), we can say NEWTG is valued rather cheaply.
Industry RankSector Rank
PE 14.04
Fwd PE 11.73
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 67.33% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 12.2
NEWTG Per share dataNEWTG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6 8 10

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.
The decent profitability rating of NEWTG may justify a higher PE ratio.
A more expensive valuation may be justified as NEWTG's earnings are expected to grow with 15.35% in the coming years.
PEG (NY)0.69
PEG (5Y)N/A
EPS Next 2Y15.34%
EPS Next 3Y15.35%

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5

5. Dividend

5.1 Amount

NEWTG has a Yearly Dividend Yield of 5.90%, which is a nice return.
Compared to an average industry Dividend Yield of 3.66, NEWTG pays a better dividend. On top of this NEWTG pays more dividend than 94.06% 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 2.28.
Industry RankSector Rank
Dividend Yield 5.9%

5.2 History

The dividend of NEWTG decreases each year by -19.82%.
NEWTG does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)-19.82%
Div Incr Years0
Div Non Decr Years0
NEWTG Yearly Dividends per shareNEWTG Yearly Dividends per shareYearly Dividends per share 2024 0.2 0.4 0.6 0.8 1

5.3 Sustainability

NEWTG pays out 39.76% of its income as dividend. This is a sustainable payout ratio.
DP39.76%
EPS Next 2Y15.34%
EPS Next 3Y15.35%
NEWTG Yearly Income VS Free CF VS DividendNEWTG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M -50M 100M -100M
NEWTG Dividend Payout.NEWTG Dividend Payout, showing the Payout Ratio.NEWTG Dividend Payout.PayoutRetained Earnings

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

NASDAQ:NEWTG (1/22/2025, 11:29:50 AM)

25.13

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06 2024-11-06/amc
Earnings (Next)N/A N/A
Inst Owners38.78%
Inst Owner ChangeN/A
Ins Owners6.67%
Ins Owner ChangeN/A
Market Cap661.17M
Analysts72.31
Price Target28.24 (12.38%)
Short Float %0.02%
Short Ratio0.46
Dividend
Industry RankSector Rank
Dividend Yield 5.9%
Yearly Dividend0.57
Dividend Growth(5Y)-19.82%
DP39.76%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.74%
Min EPS beat(2)1.58%
Max EPS beat(2)1.89%
EPS beat(4)3
Avg EPS beat(4)11.22%
Min EPS beat(4)-10.15%
Max EPS beat(4)51.55%
EPS beat(8)5
Avg EPS beat(8)-3.76%
EPS beat(12)8
Avg EPS beat(12)-0.46%
EPS beat(16)9
Avg EPS beat(16)1.11%
Revenue beat(2)2
Avg Revenue beat(2)21.54%
Min Revenue beat(2)0.33%
Max Revenue beat(2)42.76%
Revenue beat(4)3
Avg Revenue beat(4)12.5%
Min Revenue beat(4)-10.96%
Max Revenue beat(4)42.76%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
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)9.42%
PT rev (3m)0.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.52%
EPS NY rev (1m)0%
EPS NY rev (3m)0.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.75%
Revenue NY rev (1m)0.68%
Revenue NY rev (3m)-1.07%
Valuation
Industry RankSector Rank
PE 14.04
Fwd PE 11.73
P/S 2.69
P/FCF N/A
P/OCF N/A
P/B 2.35
P/tB 2.48
EV/EBITDA 12.2
EPS(TTM)1.79
EY7.12%
EPS(NY)2.14
Fwd EY8.52%
FCF(TTM)-3.11
FCFYN/A
OCF(TTM)-3.09
OCFYN/A
SpS9.33
BVpS10.71
TBVpS10.15
PEG (NY)0.69
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.97%
ROE 17.64%
ROCE 9.78%
ROIC 4.58%
ROICexc 5.1%
ROICexgc 5.6%
OM 37.76%
PM (TTM) 20.26%
GM 92.2%
FCFM N/A
ROA(3y)4.8%
ROA(5y)4.71%
ROE(3y)15.95%
ROE(5y)14.1%
ROIC(3y)6.24%
ROIC(5y)6.3%
ROICexc(3y)6.52%
ROICexc(5y)6.47%
ROICexgc(3y)9.75%
ROICexgc(5y)9.8%
ROCE(3y)8.63%
ROCE(5y)8.41%
ROICexcg growth 3Y-23.81%
ROICexcg growth 5Y-15.83%
ROICexc growth 3Y-14.68%
ROICexc growth 5Y-10.86%
OM growth 3Y-21.9%
OM growth 5Y-13.16%
PM growth 3Y-11.4%
PM growth 5Y-10.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 4.63
Debt/FCF N/A
Debt/EBITDA 13.8
Cap/Depr 27.28%
Cap/Sales 0.22%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.31
Quick Ratio 0.31
Altman-Z 0.29
F-Score5
WACC5.67%
ROIC/WACC0.81
Cap/Depr(3y)5.29%
Cap/Depr(5y)7.18%
Cap/Sales(3y)0.08%
Cap/Sales(5y)0.06%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)57.02%
EPS 3Y-7.89%
EPS 5Y-3.76%
EPS Q2Q%21.62%
EPS Next Y20.46%
EPS Next 2Y15.34%
EPS Next 3Y15.35%
EPS Next 5Y17%
Revenue 1Y (TTM)39.09%
Revenue growth 3Y25.21%
Revenue growth 5Y17.02%
Sales Q2Q%18.66%
Revenue Next Year17.32%
Revenue Next 2Y12.83%
Revenue Next 3Y13.17%
Revenue Next 5YN/A
EBIT growth 1Y115.91%
EBIT growth 3Y-2.22%
EBIT growth 5Y1.62%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y40.83%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y41.22%
OCF growth 3YN/A
OCF growth 5YN/A