NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) Stock Fundamental Analysis
USA - NASDAQ:NEWTG - US6525268800
24.95 USD
+0.05 (+0.19%)
NEWTG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 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 quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year NEWTG was profitable.
In the past year NEWTG has reported a negative cash flow from operations.
Each year in the past 5 years NEWTG has 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 Return On Assets of 2.43%. This is in the better half of the industry: NEWTG outperforms 62.38% of its industry peers.
Looking at the Return On Equity, with a value of 16.57%, NEWTG belongs to the top of the industry, outperforming 83.17% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 4.13%, NEWTG is in line with its industry, outperforming 59.41% 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 7.65%.
| 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 75.25% 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 belongs to the top of the industry, outperforming 80.20% of the companies in the same industry.
NEWTG's Operating Margin has declined in the last couple of years.
NEWTG has a Gross Margin of 93.47%. This is amongst the best in the industry. NEWTG outperforms 97.03% 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NEWTG is destroying value.
NEWTG has more shares outstanding than it did 1 year ago.
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 0.05. This is a bad value and indicates that NEWTG is not financially healthy and even has some risk of bankruptcy.
NEWTG has a Altman-Z score of 0.05. This is in the lower half of the industry: NEWTG underperforms 63.37% 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.
Looking at the Debt to Equity ratio, with a value of 5.58, NEWTG is doing worse than 81.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.58 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.05 |
ROIC/WACC0.56
WACC7.41%
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 73.27% 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.
The Quick ratio of NEWTG (0.18) is worse than 73.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 |
3. Growth
3.1 Past
The earnings per share for NEWTG have decreased strongly by -53.80% in the last year.
Measured over the past years, NEWTG shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.50% on average per year.
The Revenue has grown by 21.18% 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)-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.
Based on estimates for the next years, NEWTG will show a quite strong growth in Revenue. The Revenue will grow by 15.39% on average per year.
EPS Next Y17.38%
EPS Next 2Y9.92%
EPS Next 3Y13.7%
EPS Next 5Y12.02%
Revenue Next Year18.11%
Revenue Next 2Y15.39%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 31.58 indicates a quite expensive valuation of NEWTG.
Based on the Price/Earnings ratio, NEWTG is valued a bit more expensive than 69.31% of the companies in the same industry.
When comparing the Price/Earnings ratio of NEWTG to the average of the S&P500 Index (27.41), we can say NEWTG is valued inline with the index average.
NEWTG is valuated reasonably with a Price/Forward Earnings ratio of 10.59.
The rest of the industry has a similar Price/Forward Earnings ratio as NEWTG.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.88, NEWTG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.58 | ||
| Fwd PE | 10.59 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NEWTG is valued a bit cheaper than the industry average as 74.26% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.13 |
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.
NEWTG's earnings are expected to grow with 13.70% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.82
PEG (5Y)N/A
EPS Next 2Y9.92%
EPS Next 3Y13.7%
5. Dividend
5.1 Amount
NEWTG has a Yearly Dividend Yield of 8.00%, which is a nice return.
Compared to an average industry Dividend Yield of 4.86, NEWTG pays a better dividend. On top of this NEWTG pays more dividend than 91.09% 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 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8% |
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
40.47% of the earnings are spent on dividend by NEWTG. This is a bit on the high side, but may be sustainable.
DP40.47%
EPS Next 2Y9.92%
EPS Next 3Y13.7%
NEWTEKONE INC - NEWT 8 1/2 06/01/29
NASDAQ:NEWTG (9/18/2025, 8:08:43 PM)
24.95
+0.05 (+0.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners43.07%
Inst Owner ChangeN/A
Ins Owners6.57%
Ins Owner ChangeN/A
Market Cap706.58M
Analysts73.33
Price Target30.3 (21.44%)
Short Float %0.01%
Short Ratio0.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8% |
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)-4.63%
PT rev (3m)-1.88%
EPS NQ rev (1m)-2.71%
EPS NQ rev (3m)1.07%
EPS NY rev (1m)0.26%
EPS NY rev (3m)1.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.69%
Revenue NY rev (1m)-2.77%
Revenue NY rev (3m)-2.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.58 | ||
| Fwd PE | 10.59 | ||
| P/S | 2.53 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.26 | ||
| P/tB | 2.38 | ||
| EV/EBITDA | 10.13 |
EPS(TTM)0.79
EY3.17%
EPS(NY)2.36
Fwd EY9.44%
FCF(TTM)-13.41
FCFYN/A
OCF(TTM)-13.39
OCFYN/A
SpS9.85
BVpS11.02
TBVpS10.51
PEG (NY)1.82
PEG (5Y)N/A
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%
ROICexcg growth 3Y-25.12%
ROICexcg 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 | 0.05 |
F-Score4
WACC7.41%
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)-53.8%
EPS 3Y-17.48%
EPS 5Y-3.5%
EPS Q2Q%-262.79%
EPS Next Y17.38%
EPS Next 2Y9.92%
EPS Next 3Y13.7%
EPS Next 5Y12.02%
Revenue 1Y (TTM)21.18%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%11.72%
Revenue Next Year18.11%
Revenue Next 2Y15.39%
Revenue Next 3YN/A
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