25.2 USD
-0.24 (-0.94%)
Overall NEWTI gets a fundamental rating of 4 out of 10. We evaluated NEWTI against 98 industry peers in the Financial Services industry. While NEWTI is still in line with the averages on profitability rating, there are concerns on its financial health. NEWTI is quite expensive at the moment. 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 Return On Assets of 2.40%. This is in the better half of the industry: NEWTI outperforms 63.27% 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.
With a Return On Invested Capital value of 4.26%, NEWTI perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
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
The Profit Margin of NEWTI (19.15%) is better than 75.51% of its industry peers.
NEWTI's Profit Margin has declined in the last couple of years.
NEWTI has a Operating Margin of 44.30%. This is amongst the best in the industry. NEWTI outperforms 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NEWTI is destroying value.
The number of shares outstanding for NEWTI has been increased compared to 1 year ago.
The number of shares outstanding for NEWTI has been increased compared to 5 years ago.
The debt/assets ratio for NEWTI is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.04, we must say that NEWTI is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.04, NEWTI is doing worse than 62.24% of the companies in the same industry.
NEWTI has a Debt/Equity ratio of 4.98. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of NEWTI (4.98) is worse than 81.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.04 |
ROIC/WACC0.74
WACC5.73%
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 74.49% 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: 74.49% 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
The earnings per share for NEWTI have decreased strongly by -43.58% in the last year.
The Earnings Per Share has been decreasing by -3.50% on average over the past years.
NEWTI shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.63%.
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
NEWTI 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 13.61% 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
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
NEWTI is valuated rather expensively with a Price/Earnings ratio of 24.95.
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 25.65, NEWTI is valued at the same level.
A Price/Forward Earnings ratio of 10.78 indicates a reasonable valuation of NEWTI.
NEWTI's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of NEWTI to the average of the S&P500 Index (34.45), we can say NEWTI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.95 | ||
| Fwd PE | 10.78 |
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 | 9.47 |
4.3 Compensation for Growth
NEWTI's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.54
PEG (5Y)N/A
EPS Next 2Y9.49%
EPS Next 3Y7.84%
5. Dividend
5.1 Amount
NEWTI has a Yearly Dividend Yield of 7.91%, which is a nice return.
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.
NEWTI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| 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 (11/21/2025, 8:00:02 PM)
25.2
-0.24 (-0.94%)
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 Cap713.66M
Revenue(TTM)300.92M
Net Income(TTM)57.62M
Analysts73.85
Price Target38.88 (54.29%)
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 | 24.95 | ||
| Fwd PE | 10.78 | ||
| P/S | 2.37 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.85 | ||
| P/tB | 1.92 | ||
| EV/EBITDA | 9.47 |
EPS(TTM)1.01
EY4.01%
EPS(NY)2.34
Fwd EY9.28%
FCF(TTM)-18.4
FCFYN/A
OCF(TTM)-18.39
OCFYN/A
SpS10.63
BVpS13.65
TBVpS13.14
PEG (NY)1.54
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
WACC5.73%
ROIC/WACC0.74
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.