25.3 USD
+0.15 (+0.6%)
We assign a fundamental rating of 4 out of 10 to NEWTG. 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. While showing a medium growth rate, NEWTG is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- NEWTG had positive earnings in the past year.
- In the past year NEWTG has reported a negative cash flow from operations.
- 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
- Looking at the Return On Assets, with a value of 2.40%, NEWTG is in the better half of the industry, outperforming 62.24% of the companies in the same industry.
- With a decent Return On Equity value of 14.90%, NEWTG is doing good in the industry, outperforming 77.55% of the companies in the same industry.
- The Return On Invested Capital of NEWTG (4.26%) is comparable to the rest of the 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
- NEWTG has a Profit Margin of 19.15%. This is in the better half of the industry: NEWTG outperforms 74.49% of its industry peers.
- In the last couple of years the Profit Margin of NEWTG has declined.
- NEWTG's Operating Margin of 44.30% is amongst the best of the industry. NEWTG outperforms 81.63% of its industry peers.
- In the last couple of years the Operating Margin of NEWTG has declined.
- The Gross Margin of NEWTG (93.95%) is better than 94.90% of its industry peers.
| 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
- 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.
- Compared to 1 year ago, NEWTG has a worse debt to assets ratio.
2.2 Solvency
- NEWTG has an Altman-Z score of 0.06. 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 0.06 is on the low side compared to the rest of the industry. NEWTG is outperformed by 60.20% 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.
- Looking at the Debt to Equity ratio, with a value of 4.98, NEWTG is doing worse than 83.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.06 |
ROIC/WACC0.56
WACC7.62%
2.3 Liquidity
- A Current Ratio of 0.15 indicates that NEWTG may have some problems paying its short term obligations.
- NEWTG has a worse Current ratio (0.15) than 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.
- NEWTG's Quick ratio of 0.15 is on the low side compared to the rest of the industry. NEWTG is outperformed by 74.49% of its industry peers.
| 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%.
- The Earnings Per Share has been decreasing by -3.50% on average over the past years.
- The Revenue has grown by 22.63% in the past year. This is a very strong growth!
- 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
- Based on estimates for the next years, NEWTG will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.02% on average per year.
- The Revenue is expected to grow by 13.61% on average over the next years. This is quite good.
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
- With a Price/Earnings ratio of 25.05, 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 62.24% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.54, NEWTG is valued at the same level.
- With a Price/Forward Earnings ratio of 11.02, 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.
- When comparing the Price/Forward Earnings ratio of NEWTG to the average of the S&P500 Index (24.31), we can say NEWTG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.05 | ||
| Fwd PE | 11.02 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, NEWTG is valued a bit cheaper than 66.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.94 |
4.3 Compensation for Growth
- The 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.
- Compared to an average S&P500 Dividend Yield of 1.92, NEWTG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.14% |
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 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, 1:23:43 PM)
25.3
+0.15 (+0.6%)
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 Cap781.52M
Revenue(TTM)300.92M
Net Income(TTM)57.62M
Analysts73.85
Price Target31.56 (24.74%)
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 | 25.05 | ||
| Fwd PE | 11.02 | ||
| P/S | 2.6 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.02 | ||
| P/tB | 2.1 | ||
| EV/EBITDA | 9.94 |
EPS(TTM)1.01
EY3.99%
EPS(NY)2.3
Fwd EY9.07%
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
WACC7.62%
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.