NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) Fundamental Analysis & Valuation

NASDAQ:NEWTI • US6525268073

Current stock price

25.135 USD
-0.16 (-0.65%)
Last:

This NEWTI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. NEWTI Profitability Analysis

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.
  • Each year in the past 5 years NEWTI has been profitable.
  • In the past 5 years NEWTI reported 4 times negative operating cash flow.
NEWTI Yearly Net Income VS EBIT VS OCF VS FCFNEWTI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M -150M

1.2 Ratios

  • With a decent Return On Assets value of 2.40%, NEWTI is doing good in the industry, outperforming 62.24% of the companies in the same industry.
  • The Return On Equity of NEWTI (14.90%) is better than 78.57% of its industry peers.
  • NEWTI has a better Return On Invested Capital (4.30%) than 62.24% of its industry peers.
  • NEWTI had an Average Return On Invested Capital over the past 3 years of 3.79%. This is below the industry average of 8.26%.
  • The 3 year average ROIC (3.79%) for NEWTI is below the current ROIC(4.30%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 2.4%
ROE 14.9%
ROIC 4.3%
ROA(3y)2.57%
ROA(5y)3.78%
ROE(3y)16.56%
ROE(5y)15.82%
ROIC(3y)3.79%
ROIC(5y)5.19%
NEWTI Yearly ROA, ROE, ROICNEWTI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • NEWTI has a better Profit Margin (19.15%) than 76.53% of its industry peers.
  • NEWTI's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 44.30%, NEWTI belongs to the top of the industry, outperforming 83.67% of the companies in the same industry.
  • In the last couple of years the Operating Margin of NEWTI has declined.
  • The Gross Margin of NEWTI (93.95%) is better than 96.94% of its industry peers.
Industry RankSector Rank
OM 44.3%
PM (TTM) 19.15%
GM 93.95%
OM growth 3Y-4.87%
OM growth 5Y-4.75%
PM growth 3Y-5.91%
PM growth 5Y-10.33%
GM growth 3YN/A
GM growth 5YN/A
NEWTI Yearly Profit, Operating, Gross MarginsNEWTI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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0

2. NEWTI Health Analysis

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.
  • NEWTI has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, NEWTI has more shares outstanding
  • Compared to 1 year ago, NEWTI has about the same debt to assets ratio.
NEWTI Yearly Shares OutstandingNEWTI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
NEWTI Yearly Total Debt VS Total AssetsNEWTI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

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.
  • With a Altman-Z score value of 0.06, NEWTI is not doing good in the industry: 61.22% of the companies in the same industry are doing better.
  • 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 80.61% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.98
Debt/FCF N/A
Altman-Z 0.06
ROIC/WACC0.58
WACC7.45%
NEWTI Yearly LT Debt VS Equity VS FCFNEWTI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M 800M

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 72.45% of its industry peers.
  • NEWTI has a Quick 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.
  • The Quick ratio of NEWTI (0.15) is worse than 72.45% of its industry peers.
Industry RankSector Rank
Current Ratio 0.15
Quick Ratio 0.15
NEWTI Yearly Current Assets VS Current LiabilitesNEWTI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. NEWTI Growth Analysis

3.1 Past

  • The earnings per share for NEWTI have decreased strongly by -50.26% in the last year.
  • NEWTI shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.98% yearly.
  • NEWTI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.34%.
  • NEWTI shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 24.47% yearly.
EPS 1Y (TTM)-50.26%
EPS 3Y-23.3%
EPS 5Y-13.98%
EPS Q2Q%-5.8%
Revenue 1Y (TTM)13.34%
Revenue growth 3Y29.32%
Revenue growth 5Y24.47%
Sales Q2Q%-4.6%

3.2 Future

  • The Earnings Per Share is expected to grow by 46.82% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, NEWTI will show a quite strong growth in Revenue. The Revenue will grow by 13.39% on average per year.
EPS Next Y144.13%
EPS Next 2Y61.36%
EPS Next 3Y46.82%
EPS Next 5YN/A
Revenue Next Year14.33%
Revenue Next 2Y13.39%
Revenue Next 3YN/A
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.
NEWTI Yearly Revenue VS EstimatesNEWTI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
NEWTI Yearly EPS VS EstimatesNEWTI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3

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4

4. NEWTI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 25.91 indicates a quite expensive valuation of NEWTI.
  • Compared to the rest of the industry, the Price/Earnings ratio of NEWTI indicates a slightly more expensive valuation: NEWTI is more expensive than 66.33% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.71, NEWTI is valued at the same level.
  • NEWTI is valuated reasonably with a Price/Forward Earnings ratio of 10.61.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NEWTI is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of NEWTI to the average of the S&P500 Index (23.83), we can say NEWTI is valued rather cheaply.
Industry RankSector Rank
PE 25.91
Fwd PE 10.61
NEWTI Price Earnings VS Forward Price EarningsNEWTI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NEWTI indicates a somewhat cheap valuation: NEWTI is cheaper than 68.37% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 9.94
NEWTI Per share dataNEWTI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 -10 -15

4.3 Compensation for Growth

  • NEWTI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • NEWTI's earnings are expected to grow with 46.82% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y61.36%
EPS Next 3Y46.82%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. NEWTI Dividend Analysis

5.1 Amount

  • NEWTI has a Yearly Dividend Yield of 6.48%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.61, NEWTI pays a better dividend. On top of this NEWTI pays more dividend than 85.71% 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 1.91.
Industry RankSector Rank
Dividend Yield 6.48%

5.2 History

  • The dividend of NEWTI decreases each year by -17.44%.
  • NEWTI has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)-17.44%
Div Incr Years1
Div Non Decr Years1
NEWTI Yearly Dividends per shareNEWTI Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 37.16% of the earnings are spent on dividend by NEWTI. This is a low number and sustainable payout ratio.
DP37.16%
EPS Next 2Y61.36%
EPS Next 3Y46.82%
NEWTI Yearly Income VS Free CF VS DividendNEWTI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M -150M
NEWTI Dividend Payout.NEWTI Dividend Payout, showing the Payout Ratio.NEWTI Dividend Payout.PayoutRetained Earnings

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NEWTI Fundamentals: All Metrics, Ratios and Statistics

NEWTEKONE INC - NEWT 8 09/01/28

NASDAQ:NEWTI (3/13/2026, 8:00:02 PM)

25.135

-0.16 (-0.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)05-04
Inst Owners44.05%
Inst Owner ChangeN/A
Ins Owners6.08%
Ins Owner ChangeN/A
Market Cap776.42M
Revenue(TTM)309.46M
Net Income(TTM)57.62M
Analysts73.85
Price Target35.76 (42.27%)
Short Float %0.01%
Short Ratio0.49
Dividend
Industry RankSector Rank
Dividend Yield 6.48%
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP37.16%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-27
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)11.08%
PT rev (3m)4.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.54%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)5.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.52%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)2.3%
Valuation
Industry RankSector Rank
PE 25.91
Fwd PE 10.61
P/S 2.58
P/FCF N/A
P/OCF N/A
P/B 2.01
P/tB 2.09
EV/EBITDA 9.94
EPS(TTM)0.97
EY3.86%
EPS(NY)2.37
Fwd EY9.42%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)0.18
PEG (5Y)N/A
Graham Number16.53
Profitability
Industry RankSector Rank
ROA 2.4%
ROE 14.9%
ROCE 11.69%
ROIC 4.3%
ROICexc 4.69%
ROICexgc 5.26%
OM 44.3%
PM (TTM) 19.15%
GM 93.95%
FCFM N/A
ROA(3y)2.57%
ROA(5y)3.78%
ROE(3y)16.56%
ROE(5y)15.82%
ROIC(3y)3.79%
ROIC(5y)5.19%
ROICexc(3y)4.39%
ROICexc(5y)5.63%
ROICexgc(3y)4.84%
ROICexgc(5y)7.65%
ROCE(3y)9.67%
ROCE(5y)9.69%
ROICexgc growth 3Y-22.07%
ROICexgc growth 5Y-10.94%
ROICexc growth 3Y-11.48%
ROICexc growth 5Y-4.52%
OM growth 3Y-4.87%
OM growth 5Y-4.75%
PM growth 3Y-5.91%
PM growth 5Y-10.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.13
Health
Industry RankSector 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-Score4
WACC7.45%
ROIC/WACC0.58
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-50.26%
EPS 3Y-23.3%
EPS 5Y-13.98%
EPS Q2Q%-5.8%
EPS Next Y144.13%
EPS Next 2Y61.36%
EPS Next 3Y46.82%
EPS Next 5YN/A
Revenue 1Y (TTM)13.34%
Revenue growth 3Y29.32%
Revenue growth 5Y24.47%
Sales Q2Q%-4.6%
Revenue Next Year14.33%
Revenue Next 2Y13.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y43.89%
EBIT growth 3Y23.02%
EBIT growth 5Y18.55%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-536.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-540.25%
OCF growth 3YN/A
OCF growth 5YN/A

NEWTEKONE INC - NEWT 8 09/01/28 / NEWTI Fundamental Analysis 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 4 / 10 to NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI). This can be considered as Fairly Valued.


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 144.13% 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%.