25.25 USD
+0.1 (+0.4%)
25.28 USD
+0.03 (+0.12%)
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. There are concerns on the financial health of NEWTG while its profitability can be described as average. NEWTG is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- NEWTG had positive earnings in the past year.
- NEWTG had a negative operating cash flow in the past year.
- In the past 5 years NEWTG has always 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
- NEWTG has a better Return On Assets (2.40%) than 62.24% of its industry peers.
- NEWTG's Return On Equity of 14.90% is fine compared to the rest of the industry. NEWTG outperforms 77.55% of its industry peers.
- With a Return On Invested Capital value of 4.26%, NEWTG perfoms like the industry average, outperforming 59.18% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for NEWTG is below the industry average of 8.44%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.4% | ||
| ROE | 14.9% | ||
| ROIC | 4.26% |
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 19.15%, NEWTG is in the better half of the industry, outperforming 74.49% 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 (44.30%) than 81.63% of its industry peers.
- In the last couple of years the Operating Margin of NEWTG has declined.
- With an excellent Gross Margin value of 93.95%, NEWTG belongs to the best of the industry, outperforming 94.90% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 44.3% | ||
| PM (TTM) | 19.15% | ||
| GM | 93.95% |
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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NEWTG is destroying value.
- Compared to 1 year ago, NEWTG has more shares outstanding
- Compared to 5 years ago, NEWTG has more shares outstanding
- 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.
- Looking at the Altman-Z score, with a value of 0.06, NEWTG is doing worse than 60.20% of the companies in the same industry.
- A Debt/Equity ratio of 4.98 is on the high side and indicates that NEWTG has dependencies on debt financing.
- The Debt to Equity ratio of NEWTG (4.98) is worse than 83.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.06 |
ROIC/WACC0.56
WACC7.66%
2.3 Liquidity
- NEWTG has a Current Ratio of 0.15. This is a bad value and indicates that NEWTG is not financially healthy enough and could expect problems in meeting its short term obligations.
- NEWTG has a Current ratio of 0.15. This is in the lower half of the industry: NEWTG underperforms 74.49% of its industry peers.
- NEWTG has a Quick Ratio of 0.15. 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 0.15, NEWTG is not doing good in the industry: 74.49% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 |
3. Growth
3.1 Past
- NEWTG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -43.58%.
- NEWTG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.50% yearly.
- NEWTG shows a strong growth in Revenue. In the last year, 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 Y16.44%
EPS Next 2Y8.49%
EPS Next 3Y7.01%
EPS Next 5Y12.02%
Revenue Next Year15.81%
Revenue Next 2Y14.02%
Revenue Next 3Y13.61%
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.
- 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
- Based on the Price/Earnings ratio of 25.00, the valuation of NEWTG can be described as expensive.
- Based on the Price/Earnings ratio, NEWTG is valued a bit more expensive than the industry average as 62.24% of the companies are valued more cheaply.
- When comparing the Price/Earnings ratio of NEWTG to the average of the S&P500 Index (27.47), we can say NEWTG is valued inline with the index average.
- With a Price/Forward Earnings ratio of 11.00, the valuation of NEWTG can be described as very reasonable.
- NEWTG's Price/Forward Earnings is on the same level as the industry average.
- NEWTG is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25 | ||
| Fwd PE | 11 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, NEWTG is valued a bit cheaper than the industry average as 66.33% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.94 |
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)1.52
PEG (5Y)N/A
EPS Next 2Y8.49%
EPS Next 3Y7.01%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 9.14%, NEWTG is a good candidate for dividend investing.
- NEWTG's Dividend Yield is rather good when compared to the industry average which is at 2.49. NEWTG pays more dividend than 95.92% of the companies in the same industry.
- NEWTG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.14% |
5.2 History
- The dividend of NEWTG decreases each year by -17.44%.
- NEWTG is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)-17.44%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- NEWTG pays out 37.16% of its income as dividend. This is a sustainable payout ratio.
DP37.16%
EPS Next 2Y8.49%
EPS Next 3Y7.01%
NEWTEKONE INC - NEWT 8 1/2 06/01/29
NASDAQ:NEWTG (1/16/2026, 8:00:01 PM)
After market: 25.28 +0.03 (+0.12%)25.25
+0.1 (+0.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-29 2025-10-29/amc
Earnings (Next)02-24 2026-02-24/amc
Inst Owners44.09%
Inst Owner ChangeN/A
Ins Owners6.04%
Ins Owner ChangeN/A
Market Cap779.97M
Revenue(TTM)300.92M
Net Income(TTM)57.62M
Analysts73.85
Price Target31.56 (24.99%)
Short Float %0%
Short Ratio0.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.14% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP37.16%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)-8.32%
PT rev (3m)-1.83%
EPS NQ rev (1m)2.39%
EPS NQ rev (3m)-4.82%
EPS NY rev (1m)0.84%
EPS NY rev (3m)-0.58%
Revenue NQ rev (1m)0.33%
Revenue NQ rev (3m)-2.19%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)-2.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25 | ||
| Fwd PE | 11 | ||
| P/S | 2.59 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.02 | ||
| P/tB | 2.1 | ||
| EV/EBITDA | 9.94 |
EPS(TTM)1.01
EY4%
EPS(NY)2.3
Fwd EY9.09%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)1.52
PEG (5Y)N/A
Graham Number16.87
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.4% | ||
| ROE | 14.9% | ||
| ROCE | 11.69% | ||
| ROIC | 4.26% | ||
| ROICexc | 4.64% | ||
| ROICexgc | 5.2% | ||
| OM | 44.3% | ||
| PM (TTM) | 19.15% | ||
| GM | 93.95% | ||
| 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-Score3
Asset Turnover0.13
Health
| Industry Rank | Sector 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 | 0.06 |
F-Score3
WACC7.66%
ROIC/WACC0.56
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 Y16.44%
EPS Next 2Y8.49%
EPS Next 3Y7.01%
EPS Next 5Y12.02%
Revenue 1Y (TTM)22.63%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%19.27%
Revenue Next Year15.81%
Revenue Next 2Y14.02%
Revenue Next 3Y13.61%
Revenue Next 5YN/A
EBIT growth 1Y43.89%
EBIT growth 3Y3.47%
EBIT growth 5Y10.99%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-1666.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-1683.89%
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 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.
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 16.44% in the next year.