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

NASDAQ:NEWTI • US6525268073

Current stock price

25.36 USD
+0.06 (+0.24%)
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.
  • NEWTI had positive earnings in each of the past 5 years.
  • NEWTI had negative operating cash flow in 4 of the past 5 years.
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 -200M -400M

1.2 Ratios

  • NEWTI has a Return On Assets (2.12%) which is in line with its industry peers.
  • NEWTI has a better Return On Equity (14.63%) than 77.00% of its industry peers.
  • The Return On Invested Capital of NEWTI (4.06%) is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for NEWTI is below the industry average of 8.07%.
  • The last Return On Invested Capital (4.06%) for NEWTI is above the 3 year average (3.79%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 2.12%
ROE 14.63%
ROIC 4.06%
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 Profit Margin of 18.80%. This is in the better half of the industry: NEWTI outperforms 76.00% of its industry peers.
  • NEWTI's Profit Margin has declined in the last couple of years.
  • With an excellent Operating Margin value of 46.39%, NEWTI belongs to the best of the industry, outperforming 83.00% of the companies in the same industry.
  • In the last couple of years the Operating Margin of NEWTI has declined.
  • Looking at the Gross Margin, with a value of 94.25%, NEWTI belongs to the top of the industry, outperforming 96.00% of the companies in the same industry.
Industry RankSector Rank
OM 46.39%
PM (TTM) 18.8%
GM 94.25%
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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NEWTI is destroying value.
  • The number of shares outstanding for NEWTI has been increased compared to 1 year ago.
  • NEWTI has more shares outstanding than it did 5 years ago.
  • 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 -0.01, we must say that NEWTI is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of -0.01, NEWTI is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
  • NEWTI has a Debt/Equity ratio of 5.63. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 5.63, NEWTI is doing worse than 80.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 5.63
Debt/FCF N/A
Altman-Z -0.01
ROIC/WACC0.63
WACC6.48%
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 500M -500M

2.3 Liquidity

  • A Current Ratio of 0.19 indicates that NEWTI may have some problems paying its short term obligations.
  • NEWTI's Current ratio of 0.19 is on the low side compared to the rest of the industry. NEWTI is outperformed by 70.00% of its industry peers.
  • A Quick Ratio of 0.19 indicates that NEWTI may have some problems paying its short term obligations.
  • NEWTI has a Quick ratio of 0.19. This is in the lower half of the industry: NEWTI underperforms 70.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.19
Quick Ratio 0.19
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.
  • 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.
  • Looking at the last year, NEWTI shows a quite strong growth in Revenue. The Revenue has grown by 13.34% in the last year.
  • The Revenue has been growing by 24.47% on average over the past years. This is a very strong growth!
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

  • NEWTI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 46.82% yearly.
  • The Revenue is expected to grow by 13.39% on average over the next years. This is quite good.
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

  • 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.
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

  • The Price/Earnings ratio is 26.14, which means the current valuation is very expensive for NEWTI.
  • 67.00% of the companies in the same industry are cheaper than NEWTI, based on the Price/Earnings ratio.
  • NEWTI is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 25.54, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 10.71, which indicates a very decent valuation of NEWTI.
  • NEWTI's Price/Forward Earnings ratio is in line with the industry average.
  • NEWTI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.70.
Industry RankSector Rank
PE 26.14
Fwd PE 10.71
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

  • Based on the Enterprise Value to EBITDA ratio, NEWTI is valued a bit cheaper than 71.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 9.12
NEWTI Per share dataNEWTI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10

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

  • With a Yearly Dividend Yield of 6.60%, NEWTI is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.50, NEWTI pays a better dividend. On top of this NEWTI pays more dividend than 88.00% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, NEWTI pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.6%

5.2 History

  • The dividend of NEWTI decreases each year by -12.63%.
  • NEWTI has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)-12.63%
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

  • 48.20% of the earnings are spent on dividend by NEWTI. This is a bit on the high side, but may be sustainable.
DP48.2%
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 -200M -400M
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 (3/24/2026, 4:30:01 PM)

25.36

+0.06 (+0.24%)

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 Cap781.85M
Revenue(TTM)309.46M
Net Income(TTM)58.18M
Analysts73.85
Price Target35.76 (41.01%)
Short Float %0.01%
Short Ratio0.32
Dividend
Industry RankSector Rank
Dividend Yield 6.6%
Yearly Dividend1.02
Dividend Growth(5Y)-12.63%
DP48.2%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-27
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.13%
Min EPS beat(2)-6.52%
Max EPS beat(2)2.25%
EPS beat(4)1
Avg EPS beat(4)-59.57%
Min EPS beat(4)-230.76%
Max EPS beat(4)2.25%
EPS beat(8)5
Avg EPS beat(8)-22.65%
EPS beat(12)7
Avg EPS beat(12)-14.64%
EPS beat(16)9
Avg EPS beat(16)-15.55%
Revenue beat(2)0
Avg Revenue beat(2)-8.96%
Min Revenue beat(2)-10.14%
Max Revenue beat(2)-7.77%
Revenue beat(4)1
Avg Revenue beat(4)-2.02%
Min Revenue beat(4)-10.14%
Max Revenue beat(4)16.67%
Revenue beat(8)5
Avg Revenue beat(8)2.8%
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)-0.83%
EPS NQ rev (3m)3.14%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)5.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.61%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.3%
Valuation
Industry RankSector Rank
PE 26.14
Fwd PE 10.71
P/S 2.53
P/FCF N/A
P/OCF N/A
P/B 1.97
P/tB 2.04
EV/EBITDA 9.12
EPS(TTM)0.97
EY3.82%
EPS(NY)2.37
Fwd EY9.34%
FCF(TTM)-19.12
FCFYN/A
OCF(TTM)-18.79
OCFYN/A
SpS10.04
BVpS12.9
TBVpS12.42
PEG (NY)0.18
PEG (5Y)N/A
Graham Number16.78
Profitability
Industry RankSector Rank
ROA 2.12%
ROE 14.63%
ROCE 11.69%
ROIC 4.06%
ROICexc 4.55%
ROICexgc 5.05%
OM 46.39%
PM (TTM) 18.8%
GM 94.25%
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-Score3
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 5.63
Debt/FCF N/A
Debt/EBITDA 15.52
Cap/Depr 1530.84%
Cap/Sales 3.3%
Interest Coverage 1.47
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.19
Quick Ratio 0.19
Altman-Z -0.01
F-Score3
WACC6.48%
ROIC/WACC0.63
Cap/Depr(3y)523.78%
Cap/Depr(5y)314.27%
Cap/Sales(3y)1.23%
Cap/Sales(5y)0.74%
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 1Y30.11%
EBIT growth 3Y23.02%
EBIT growth 5Y18.55%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-280.5%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-274.97%
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 48.2%.