25.37 USD
+0.17 (+0.67%)
Overall NEWTI gets a fundamental rating of 4 out of 10. We evaluated NEWTI against 98 industry peers in the Financial Services industry. There are concerns on the financial health of NEWTI while its profitability can be described as average. NEWTI is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
NEWTI had positive earnings in the past year.
In the past year NEWTI has reported a negative cash flow from operations.
In the past 5 years NEWTI has always been profitable.
In multiple years NEWTI reported negative operating cash flow during the last 5 years.
1.2 Ratios
NEWTI has a better Return On Assets (2.40%) than 63.27% of its industry peers.
NEWTI has a better Return On Equity (14.90%) than 78.57% of its industry peers.
NEWTI has a Return On Invested Capital (4.26%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for NEWTI is below the industry average of 8.20%.
| 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
NEWTI has a Profit Margin of 19.15%. This is in the better half of the industry: NEWTI outperforms 75.51% of its industry peers.
NEWTI's Profit Margin has declined in the last couple of years.
NEWTI has a better Operating Margin (44.30%) than 82.65% of its industry peers.
In the last couple of years the Operating Margin of NEWTI has declined.
The Gross Margin of NEWTI (93.95%) is better than 95.92% 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 NEWTI is destroying value.
Compared to 1 year ago, NEWTI has more shares outstanding
NEWTI has more shares outstanding than it did 5 years ago.
NEWTI has a worse debt/assets ratio than last year.
2.2 Solvency
NEWTI has an Altman-Z score of 0.04. This is a bad value and indicates that NEWTI is not financially healthy and even has some risk of bankruptcy.
NEWTI has a Altman-Z score of 0.04. This is in the lower half of the industry: NEWTI underperforms 62.24% of its industry peers.
NEWTI has a Debt/Equity ratio of 4.98. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 4.98, NEWTI is not doing good in the industry: 81.63% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.04 |
ROIC/WACC0.75
WACC5.71%
2.3 Liquidity
NEWTI has a Current Ratio of 0.15. This is a bad value and indicates that NEWTI is not financially healthy enough and could expect problems in meeting its short term obligations.
NEWTI's Current ratio of 0.15 is on the low side compared to the rest of the industry. NEWTI is outperformed by 74.49% of its industry peers.
A Quick Ratio of 0.15 indicates that NEWTI may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.15, NEWTI is doing worse than 74.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 |
3. Growth
3.1 Past
NEWTI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -43.58%.
Measured over the past years, NEWTI 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!
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.
The Revenue is expected to grow by 13.61% on average over the next years. This is quite good.
EPS Next Y16.21%
EPS Next 2Y9.49%
EPS Next 3Y7.84%
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.
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 25.12, the valuation of NEWTI can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of NEWTI indicates a slightly more expensive valuation: NEWTI is more expensive than 63.27% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.15, NEWTI is valued at the same level.
The Price/Forward Earnings ratio is 10.85, which indicates a very decent valuation of NEWTI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NEWTI is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.12, NEWTI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.12 | ||
| Fwd PE | 10.85 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NEWTI is valued a bit cheaper than 69.39% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.51 |
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)1.55
PEG (5Y)N/A
EPS Next 2Y9.49%
EPS Next 3Y7.84%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.91%, NEWTI is a good candidate for dividend investing.
NEWTI's Dividend Yield is rather good when compared to the industry average which is at 5.20. NEWTI pays more dividend than 91.84% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, NEWTI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.91% |
5.2 History
The dividend of NEWTI decreases each year by -17.44%.
NEWTI has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)-17.44%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
NEWTI pays out 37.16% of its income as dividend. This is a sustainable payout ratio.
DP37.16%
EPS Next 2Y9.49%
EPS Next 3Y7.84%
NEWTEKONE INC - NEWT 8 09/01/28
NASDAQ:NEWTI (11/26/2025, 8:00:01 PM)
25.37
+0.17 (+0.67%)
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 Cap718.48M
Revenue(TTM)300.92M
Net Income(TTM)57.62M
Analysts73.85
Price Target38.88 (53.25%)
Short Float %0%
Short Ratio0.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.91% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP37.16%
Div Incr Years1
Div Non Decr Years1
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)20.55%
PT rev (3m)30.68%
EPS NQ rev (1m)-6.2%
EPS NQ rev (3m)-6.31%
EPS NY rev (1m)-0.77%
EPS NY rev (3m)-1%
Revenue NQ rev (1m)-2.52%
Revenue NQ rev (3m)-2.04%
Revenue NY rev (1m)-2.33%
Revenue NY rev (3m)-1.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.12 | ||
| Fwd PE | 10.85 | ||
| P/S | 2.39 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.86 | ||
| P/tB | 1.93 | ||
| EV/EBITDA | 9.51 |
EPS(TTM)1.01
EY3.98%
EPS(NY)2.34
Fwd EY9.21%
FCF(TTM)-18.4
FCFYN/A
OCF(TTM)-18.39
OCFYN/A
SpS10.63
BVpS13.65
TBVpS13.14
PEG (NY)1.55
PEG (5Y)N/A
Graham Number17.62
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 | 0.04 |
F-Score3
WACC5.71%
ROIC/WACC0.75
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 Y16.21%
EPS Next 2Y9.49%
EPS Next 3Y7.84%
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 09/01/28 / NEWTI FAQ
Can you provide the ChartMill fundamental rating for NEWTEKONE INC - NEWT 8 09/01/28?
ChartMill assigns a fundamental rating of 4 / 10 to NEWTI.
Can you provide the valuation status for NEWTEKONE INC - NEWT 8 09/01/28?
ChartMill assigns a valuation rating of 3 / 10 to NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI). This can be considered as Overvalued.
Can you provide the profitability details for NEWTEKONE INC - NEWT 8 09/01/28?
NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) has a profitability rating of 5 / 10.
Can you provide the financial health for NEWTI stock?
The financial health rating of NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) is 0 / 10.
Can you provide the expected EPS growth for NEWTI stock?
The Earnings per Share (EPS) of NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) is expected to grow by 16.21% in the next year.