25.3202 USD
-0.03 (-0.1%)
We assign a fundamental rating of 4 out of 10 to NEWTI. NEWTI was compared to 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 quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year NEWTI was profitable.
NEWTI had a negative operating cash flow in the past year.
NEWTI had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: NEWTI reported negative operating cash flow in multiple years.
1.2 Ratios
NEWTI has a better Return On Assets (2.40%) than 65.31% of its industry peers.
NEWTI's Return On Equity of 14.90% is fine compared to the rest of the industry. NEWTI outperforms 78.57% of its industry peers.
The Return On Invested Capital of NEWTI (4.26%) is better than 60.20% of its industry peers.
NEWTI had an Average Return On Invested Capital over the past 3 years of 4.45%. This 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
The Profit Margin of NEWTI (19.15%) is better than 75.51% of its industry peers.
In the last couple of years the Profit Margin of NEWTI has declined.
NEWTI has a better Operating Margin (44.30%) than 82.65% of its industry peers.
NEWTI's Operating Margin has declined in the last couple of years.
With an excellent Gross Margin value of 93.95%, NEWTI belongs to the best of the industry, outperforming 95.92% of the companies in the same industry.
| 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
NEWTI 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, NEWTI has more shares outstanding
Compared to 5 years ago, NEWTI has more shares outstanding
NEWTI has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.06, we must say that NEWTI is in the distress zone and has some risk of bankruptcy.
NEWTI has a Altman-Z score (0.06) which is comparable to the rest of the industry.
A Debt/Equity ratio of 4.98 is on the high side and indicates that NEWTI has dependencies on debt financing.
NEWTI's Debt to Equity ratio of 4.98 is on the low side compared to the rest of the industry. NEWTI is outperformed by 81.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.06 |
ROIC/WACC0.55
WACC7.69%
2.3 Liquidity
A Current Ratio of 0.15 indicates that NEWTI may have some problems paying its short term obligations.
NEWTI has a Current ratio of 0.15. This is in the lower half of the industry: NEWTI underperforms 71.43% of its industry peers.
A Quick Ratio of 0.15 indicates that NEWTI may have some problems paying its short term obligations.
With a Quick ratio value of 0.15, NEWTI is not doing good in the industry: 71.43% of the companies in the same industry are doing better.
| 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%.
NEWTI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.50% yearly.
NEWTI shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.63%.
Measured over the past years, NEWTI 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
Based on estimates for the next years, NEWTI 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
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
NEWTI is valuated quite expensively with a Price/Earnings ratio of 25.07.
Based on the Price/Earnings ratio, NEWTI is valued a bit more expensive than 61.22% of the companies in the same industry.
When comparing the Price/Earnings ratio of NEWTI to the average of the S&P500 Index (26.92), we can say NEWTI is valued inline with the index average.
NEWTI is valuated reasonably with a Price/Forward Earnings ratio of 11.03.
The rest of the industry has a similar Price/Forward Earnings ratio as NEWTI.
When comparing the Price/Forward Earnings ratio of NEWTI to the average of the S&P500 Index (23.57), we can say NEWTI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.07 | ||
| Fwd PE | 11.03 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NEWTI is valued a bit cheaper than the industry average as 68.37% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.98 |
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)1.53
PEG (5Y)N/A
EPS Next 2Y8.49%
EPS Next 3Y7.01%
5. Dividend
5.1 Amount
NEWTI has a Yearly Dividend Yield of 6.70%, which is a nice return.
Compared to an average industry Dividend Yield of 2.35, NEWTI pays a better dividend. On top of this NEWTI pays more dividend than 89.80% of the companies listed in the same industry.
NEWTI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.7% |
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 2Y8.49%
EPS Next 3Y7.01%
NEWTEKONE INC - NEWT 8 09/01/28
NASDAQ:NEWTI (1/7/2026, 8:00:01 PM)
25.3202
-0.03 (-0.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners44.09%
Inst Owner ChangeN/A
Ins Owners6.04%
Ins Owner ChangeN/A
Market Cap782.14M
Revenue(TTM)300.92M
Net Income(TTM)57.62M
Analysts73.85
Price Target31.74 (25.35%)
Short Float %0%
Short Ratio0.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.7% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP37.16%
Div Incr Years1
Div Non Decr Years1
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)-18.38%
PT rev (3m)-1.6%
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 | 25.07 | ||
| Fwd PE | 11.03 | ||
| P/S | 2.6 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.02 | ||
| P/tB | 2.1 | ||
| EV/EBITDA | 9.98 |
EPS(TTM)1.01
EY3.99%
EPS(NY)2.3
Fwd EY9.06%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)1.53
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
WACC7.69%
ROIC/WACC0.55
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 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.
What is the valuation status of NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) stock?
ChartMill assigns a valuation rating of 3 / 10 to NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI). This can be considered as Overvalued.
How profitable is NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) stock?
NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) has a profitability rating of 5 / 10.
What is the earnings growth outlook for NEWTEKONE INC - NEWT 8 09/01/28?
The Earnings per Share (EPS) of NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) is expected to grow by 16.44% in the next year.
How sustainable is the dividend of NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) stock?
The dividend rating of NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) is 5 / 10 and the dividend payout ratio is 37.16%.