25.1001 USD
-0.03 (-0.12%)
We assign a fundamental rating of 4 out of 10 to NEWTG. NEWTG was compared to 97 industry peers in the Financial Services industry. While NEWTG is still in line with the averages on profitability rating, there are concerns on its financial health. 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.
NEWTG had positive earnings in each of the past 5 years.
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
With a decent Return On Assets value of 2.40%, NEWTG is doing good in the industry, outperforming 62.89% 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 77.32% of the companies in the same industry.
NEWTG has a Return On Invested Capital of 4.26%. This is comparable to the rest of the industry: NEWTG outperforms 58.76% of its industry peers.
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 better Profit Margin (19.15%) than 74.23% of its industry peers.
In the last couple of years the Profit Margin of NEWTG has declined.
The Operating Margin of NEWTG (44.30%) is better than 81.44% of its industry peers.
NEWTG's Operating Margin has declined in the last couple of years.
NEWTG has a Gross Margin of 93.95%. This is amongst the best in the industry. NEWTG outperforms 94.85% 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NEWTG is destroying value.
The number of shares outstanding for NEWTG has been increased compared to 1 year ago.
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
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 (0.05) which is in line with its industry peers.
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 83.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.05 |
ROIC/WACC0.73
WACC5.85%
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 76.29% 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 has a worse Quick ratio (0.15) than 76.29% 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%.
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 22.63% 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)-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.
NEWTG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.61% yearly.
EPS Next Y15.47%
EPS Next 2Y7.52%
EPS Next 3Y7.01%
EPS Next 5Y12.02%
Revenue Next Year15.78%
Revenue Next 2Y14.16%
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.
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
Based on the Price/Earnings ratio of 24.85, the valuation of NEWTG can be described as rather expensive.
Based on the Price/Earnings ratio, NEWTG is valued a bit more expensive than 64.95% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.28, NEWTG is valued at the same level.
With a Price/Forward Earnings ratio of 11.13, 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.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.52, NEWTG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.85 | ||
| Fwd PE | 11.13 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NEWTG is valued a bit cheaper than the industry average as 65.98% 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)1.61
PEG (5Y)N/A
EPS Next 2Y7.52%
EPS Next 3Y7.01%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.49%, NEWTG is a good candidate for dividend investing.
NEWTG's Dividend Yield is rather good when compared to the industry average which is at 3.96. NEWTG pays more dividend than 91.75% of the companies in the same industry.
NEWTG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
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 2Y7.52%
EPS Next 3Y7.01%
NEWTEKONE INC - NEWT 8 1/2 06/01/29
NASDAQ:NEWTG (12/9/2025, 8:19:12 PM)
25.1001
-0.03 (-0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners43.67%
Inst Owner ChangeN/A
Ins Owners6.03%
Ins Owner ChangeN/A
Market Cap775.34M
Revenue(TTM)300.92M
Net Income(TTM)57.62M
Analysts73.85
Price Target34.42 (37.13%)
Short Float %0%
Short Ratio0.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP37.16%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)-4.06%
PT rev (3m)15.2%
EPS NQ rev (1m)-0.89%
EPS NQ rev (3m)-9.43%
EPS NY rev (1m)-0.64%
EPS NY rev (3m)-1.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.85 | ||
| Fwd PE | 11.13 | ||
| P/S | 2.58 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2 | ||
| P/tB | 2.08 | ||
| EV/EBITDA | 9.94 |
EPS(TTM)1.01
EY4.02%
EPS(NY)2.25
Fwd EY8.98%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)1.61
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 | 0.05 |
F-Score3
WACC5.85%
ROIC/WACC0.73
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 Y15.47%
EPS Next 2Y7.52%
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 Year15.78%
Revenue Next 2Y14.16%
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 of NEWTEKONE INC - NEWT 8 1/2 06/01/29 (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.
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 15.47% 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 37.16%.