NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) Stock Fundamental Analysis
USA - NASDAQ:NEWTG - US6525268800
25.21 USD
+0.06 (+0.24%)
We assign a fundamental rating of 3 out of 10 to NEWTG. NEWTG was compared to 99 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.
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 2.43%, NEWTG is in the better half of the industry, outperforming 62.63% of the companies in the same industry.
NEWTG's Return On Equity of 16.57% is amongst the best of the industry. NEWTG outperforms 80.81% of its industry peers.
NEWTG has a Return On Invested Capital (4.13%) which is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for NEWTG is below the industry average of 7.79%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.43% | ||
| ROE | 16.57% | ||
| ROIC | 4.13% |
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 better Profit Margin (18.54%) than 73.74% of its industry peers.
In the last couple of years the Profit Margin of NEWTG has declined.
Looking at the Operating Margin, with a value of 41.07%, NEWTG is in the better half of the industry, outperforming 78.79% of the companies in the same industry.
In the last couple of years the Operating Margin of NEWTG has declined.
NEWTG's Gross Margin of 93.47% is amongst the best of the industry. NEWTG outperforms 94.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 41.07% | ||
| PM (TTM) | 18.54% | ||
| GM | 93.47% |
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
NEWTG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, NEWTG has more shares outstanding
NEWTG has more shares outstanding than it did 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 has a worse Altman-Z score (0.06) than 60.61% of its industry peers.
A Debt/Equity ratio of 5.58 is on the high side and indicates that NEWTG has dependencies on debt financing.
With a Debt to Equity ratio value of 5.58, NEWTG is not doing good in the industry: 82.83% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.58 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.06 |
ROIC/WACC0.72
WACC5.71%
2.3 Liquidity
A Current Ratio of 0.18 indicates that NEWTG may have some problems paying its short term obligations.
NEWTG's Current ratio of 0.18 is on the low side compared to the rest of the industry. NEWTG is outperformed by 75.76% of its industry peers.
NEWTG has a Quick Ratio of 0.18. 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 Quick ratio of 0.18. This is in the lower half of the industry: NEWTG underperforms 75.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 |
3. Growth
3.1 Past
NEWTG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -53.80%.
NEWTG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.50% yearly.
The Revenue has grown by 21.18% 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)-53.8%
EPS 3Y-17.48%
EPS 5Y-3.5%
EPS Q2Q%-262.79%
Revenue 1Y (TTM)21.18%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%11.72%
3.2 Future
NEWTG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.02% yearly.
The Revenue is expected to grow by 13.38% on average over the next years. This is quite good.
EPS Next Y17.12%
EPS Next 2Y9.35%
EPS Next 3Y7.27%
EPS Next 5Y12.02%
Revenue Next Year18.54%
Revenue Next 2Y15.43%
Revenue Next 3Y13.38%
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.
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
A Price/Earnings ratio of 31.91 indicates a quite expensive valuation of NEWTG.
67.68% of the companies in the same industry are cheaper than NEWTG, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.91. NEWTG is around the same levels.
Based on the Price/Forward Earnings ratio of 10.81, the valuation of NEWTG can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NEWTG is on the same level as its industry peers.
NEWTG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.91 | ||
| Fwd PE | 10.81 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NEWTG is valued a bit cheaper than the industry average as 68.69% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.19 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates NEWTG does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.86
PEG (5Y)N/A
EPS Next 2Y9.35%
EPS Next 3Y7.27%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.52%, NEWTG is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.14, NEWTG pays a better dividend. On top of this NEWTG pays more dividend than 83.84% 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 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.52% |
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 40.47% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP40.47%
EPS Next 2Y9.35%
EPS Next 3Y7.27%
NEWTEKONE INC - NEWT 8 1/2 06/01/29
NASDAQ:NEWTG (10/24/2025, 8:00:01 PM)
25.21
+0.06 (+0.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners47.38%
Inst Owner ChangeN/A
Ins Owners6.58%
Ins Owner ChangeN/A
Market Cap713.95M
Revenue(TTM)279.07M
Net Income(TTM)51.73M
Analysts73.85
Price Target32.15 (27.53%)
Short Float %0.01%
Short Ratio0.41
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.52% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP40.47%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-117%
Min EPS beat(2)-230.76%
Max EPS beat(2)-3.23%
EPS beat(4)2
Avg EPS beat(4)-57.52%
Min EPS beat(4)-230.76%
Max EPS beat(4)2.01%
EPS beat(8)5
Avg EPS beat(8)-23.36%
EPS beat(12)6
Avg EPS beat(12)-22.68%
EPS beat(16)9
Avg EPS beat(16)-15.28%
Revenue beat(2)1
Avg Revenue beat(2)4.91%
Min Revenue beat(2)-6.85%
Max Revenue beat(2)16.67%
Revenue beat(4)3
Avg Revenue beat(4)4.89%
Min Revenue beat(4)-6.85%
Max Revenue beat(4)16.67%
Revenue beat(8)5
Avg Revenue beat(8)3.23%
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)6.12%
PT rev (3m)0.22%
EPS NQ rev (1m)0.54%
EPS NQ rev (3m)1.62%
EPS NY rev (1m)-0.22%
EPS NY rev (3m)0.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.69%
Revenue NY rev (1m)0.36%
Revenue NY rev (3m)-2.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.91 | ||
| Fwd PE | 10.81 | ||
| P/S | 2.56 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.29 | ||
| P/tB | 2.4 | ||
| EV/EBITDA | 10.19 |
EPS(TTM)0.79
EY3.13%
EPS(NY)2.33
Fwd EY9.25%
FCF(TTM)-13.41
FCFYN/A
OCF(TTM)-13.39
OCFYN/A
SpS9.85
BVpS11.02
TBVpS10.51
PEG (NY)1.86
PEG (5Y)N/A
Graham Number14
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.43% | ||
| ROE | 16.57% | ||
| ROCE | 11.82% | ||
| ROIC | 4.13% | ||
| ROICexc | 4.55% | ||
| ROICexgc | 5.13% | ||
| OM | 41.07% | ||
| PM (TTM) | 18.54% | ||
| GM | 93.47% | ||
| 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-Score4
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.58 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 15.04 | ||
| Cap/Depr | 34.93% | ||
| Cap/Sales | 0.14% | ||
| Interest Coverage | 1.3 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 | ||
| Altman-Z | 0.06 |
F-Score4
WACC5.71%
ROIC/WACC0.72
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)-53.8%
EPS 3Y-17.48%
EPS 5Y-3.5%
EPS Q2Q%-262.79%
EPS Next Y17.12%
EPS Next 2Y9.35%
EPS Next 3Y7.27%
EPS Next 5Y12.02%
Revenue 1Y (TTM)21.18%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%11.72%
Revenue Next Year18.54%
Revenue Next 2Y15.43%
Revenue Next 3Y13.38%
Revenue Next 5YN/A
EBIT growth 1Y40%
EBIT growth 3Y3.47%
EBIT growth 5Y10.99%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-87.76%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-87.65%
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 3 / 10 to NEWTG.
What is the valuation status of NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) stock?
ChartMill assigns a valuation rating of 2 / 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.
What is the earnings growth outlook for NEWTEKONE INC - NEWT 8 1/2 06/01/29?
The Earnings per Share (EPS) of NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) is expected to grow by 17.12% in the next year.
How sustainable is the dividend of NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) stock?
The dividend rating of NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) is 5 / 10 and the dividend payout ratio is 40.47%.