25.4499 USD
+0.09 (+0.35%)
Last: Jan 30, 2026, 08:09 PM
NEWTI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 97 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 has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year NEWTI was profitable.
- NEWTI had a negative operating cash flow in the past year.
- Of the past 5 years NEWTI 4 years were profitable.
- In the past 5 years NEWTI reported 4 times negative operating cash flow.
1.2 Ratios
- NEWTI has a better Return On Assets (2.40%) than 62.89% of its industry peers.
- The Return On Equity of NEWTI (14.90%) is better than 77.32% of its industry peers.
- NEWTI has a Return On Invested Capital (4.26%) which is comparable to the rest of the industry.
- Measured over the past 3 years, the Average Return On Invested Capital for NEWTI is below the industry average of 8.51%.
| 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
- Looking at the Profit Margin, with a value of 19.15%, NEWTI is in the better half of the industry, outperforming 75.26% of the companies in the same industry.
- NEWTI's Profit Margin has declined in the last couple of years.
- NEWTI has a better Operating Margin (44.30%) than 82.47% of its industry peers.
- NEWTI's Operating Margin has declined in the last couple of years.
- The Gross Margin of NEWTI (93.95%) is better than 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 NEWTI is destroying value.
- NEWTI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 of 0.06. This is in the lower half of the industry: NEWTI underperforms 60.82% of its industry peers.
- A Debt/Equity ratio of 4.98 is on the high side and indicates that NEWTI has dependencies on debt financing.
- The Debt to Equity ratio of NEWTI (4.98) is worse than 82.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.06 |
ROIC/WACC0.56
WACC7.58%
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.
- The Current ratio of NEWTI (0.15) is worse than 73.20% 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.
- With a Quick ratio value of 0.15, NEWTI is not doing good in the industry: 73.20% 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 -50.26% in the last year.
- Measured over the past years, NEWTI shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -13.98% on average per year.
EPS 1Y (TTM)-50.26%
EPS 3Y-23.3%
EPS 5Y-13.98%
EPS Q2Q%-5.8%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-4.61%
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 13.03% on average per year.
EPS Next Y142.21%
EPS Next 2Y59.93%
EPS Next 3Y46.82%
EPS Next 5YN/A
Revenue Next Year12.88%
Revenue Next 2Y13.03%
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.
4. Valuation
4.1 Price/Earnings Ratio
- NEWTI is valuated quite expensively with a Price/Earnings ratio of 26.24.
- 63.92% of the companies in the same industry are cheaper than NEWTI, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 28.32. NEWTI is around the same levels.
- The Price/Forward Earnings ratio is 10.83, 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.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. NEWTI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.24 | ||
| Fwd PE | 10.83 |
4.2 Price Multiples
- 65.98% of the companies in the same industry are more expensive than NEWTI, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.01 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as NEWTI's earnings are expected to grow with 46.82% in the coming years.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y59.93%
EPS Next 3Y46.82%
5. Dividend
5.1 Amount
- NEWTI has a Yearly Dividend Yield of 5.31%, which is a nice return.
- NEWTI's Dividend Yield is rather good when compared to the industry average which is at 1.89. NEWTI pays more dividend than 92.78% of the companies in the same industry.
- NEWTI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.31% |
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
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 2Y59.93%
EPS Next 3Y46.82%
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 3 / 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 4 / 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 142.21% 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%.