Logo image of NEWTI

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

USA - NASDAQ:NEWTI - US6525268073

25.28 USD
0 (0%)
Last: 10/17/2025, 8:00:01 PM
Fundamental Rating

3

Taking everything into account, NEWTI scores 3 out of 10 in our fundamental rating. NEWTI was compared to 99 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 valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

5

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.
NEWTI had positive earnings in each of the past 5 years.
In multiple years NEWTI reported negative operating cash flow during the last 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M -100M -150M

1.2 Ratios

NEWTI has a better Return On Assets (2.43%) than 60.61% of its industry peers.
Looking at the Return On Equity, with a value of 16.57%, NEWTI belongs to the top of the industry, outperforming 80.81% of the companies in the same industry.
NEWTI has a Return On Invested Capital (4.13%) which is in line with 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 7.79%.
Industry RankSector Rank
ROA 2.43%
ROE 16.57%
ROIC 4.13%
ROA(3y)2.94%
ROA(5y)4.16%
ROE(3y)14.55%
ROE(5y)14.87%
ROIC(3y)4.45%
ROIC(5y)5.46%
NEWTI Yearly ROA, ROE, ROICNEWTI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

NEWTI's Profit Margin of 18.54% is fine compared to the rest of the industry. NEWTI outperforms 72.73% of its industry peers.
NEWTI's Profit Margin has declined in the last couple of years.
NEWTI's Operating Margin of 41.07% is fine compared to the rest of the industry. NEWTI outperforms 77.78% of its industry peers.
In the last couple of years the Operating Margin of NEWTI has declined.
The Gross Margin of NEWTI (93.47%) is better than 94.95% of its industry peers.
Industry RankSector Rank
OM 41.07%
PM (TTM) 18.54%
GM 93.47%
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
NEWTI Yearly Profit, Operating, Gross MarginsNEWTI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

More info and screens

0

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.
NEWTI Yearly Shares OutstandingNEWTI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
NEWTI Yearly Total Debt VS Total AssetsNEWTI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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's Altman-Z score of 0.06 is on the low side compared to the rest of the industry. NEWTI is outperformed by 60.61% of its industry peers.
NEWTI has a Debt/Equity ratio of 5.58. This is a high value indicating a heavy dependency on external financing.
NEWTI's Debt to Equity ratio of 5.58 is on the low side compared to the rest of the industry. NEWTI is outperformed by 82.83% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.58
Debt/FCF N/A
Altman-Z 0.06
ROIC/WACC0.72
WACC5.72%
NEWTI Yearly LT Debt VS Equity VS FCFNEWTI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

2.3 Liquidity

A Current Ratio of 0.18 indicates that NEWTI may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.18, NEWTI is doing worse than 75.76% of the companies in the same industry.
NEWTI has a Quick Ratio of 0.18. 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 (0.18) is worse than 75.76% of its industry peers.
Industry RankSector Rank
Current Ratio 0.18
Quick Ratio 0.18
NEWTI Yearly Current Assets VS Current LiabilitesNEWTI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

More info and screens

6

3. Growth

3.1 Past

NEWTI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -53.80%.
The Earnings Per Share has been decreasing by -3.50% on average over the past years.
Looking at the last year, NEWTI shows a very strong growth in Revenue. The Revenue has grown by 21.18%.
The Revenue has been growing by 20.01% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-53.8%
EPS 3Y-17.48%
EPS 5Y-3.5%
EPS Q2Q%-262.79%
Revenue 1Y (TTM)21.18%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%11.72%

3.2 Future

The Earnings Per Share is expected to grow by 12.02% on average over the next years. This is quite good.
The Revenue is expected to grow by 13.38% on average over the next years. This is quite good.
EPS Next Y17.12%
EPS Next 2Y9.35%
EPS Next 3Y7.27%
EPS Next 5Y12.02%
Revenue Next Year18.54%
Revenue Next 2Y15.43%
Revenue Next 3Y13.38%
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.
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.
NEWTI Yearly Revenue VS EstimatesNEWTI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 32.00 indicates a quite expensive valuation of NEWTI.
NEWTI's Price/Earnings ratio is a bit more expensive when compared to the industry. NEWTI is more expensive than 68.69% of the companies in the same industry.
NEWTI's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.40.
NEWTI is valuated reasonably with a Price/Forward Earnings ratio of 10.84.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NEWTI is on the same level as its industry peers.
NEWTI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.94, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 32
Fwd PE 10.84
NEWTI Price Earnings VS Forward Price EarningsNEWTI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, NEWTI is valued a bit cheaper than 68.69% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 10.22
NEWTI Per share dataNEWTI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 -10

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates NEWTI does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.87
PEG (5Y)N/A
EPS Next 2Y9.35%
EPS Next 3Y7.27%

More info and screens

5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.54%, NEWTI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.62, NEWTI pays a better dividend. On top of this NEWTI pays more dividend than 92.93% 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 2.36.
Industry RankSector Rank
Dividend Yield 5.54%

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 0.5 1 1.5

5.3 Sustainability

40.47% of the earnings are spent on dividend by NEWTI. This is a bit on the high side, but may be sustainable.
DP40.47%
EPS Next 2Y9.35%
EPS Next 3Y7.27%
NEWTI Yearly Income VS Free CF VS DividendNEWTI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M -100M -150M
NEWTI Dividend Payout.NEWTI Dividend Payout, showing the Payout Ratio.NEWTI Dividend Payout.PayoutRetained Earnings

More info and screens

NEWTEKONE INC - NEWT 8 09/01/28

NASDAQ:NEWTI (10/17/2025, 8:00:01 PM)

25.28

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)07-28 2025-07-28/amc
Earnings (Next)10-29 2025-10-29/amc
Inst Owners47.38%
Inst Owner ChangeN/A
Ins Owners6.58%
Ins Owner ChangeN/A
Market Cap715.93M
Analysts73.85
Price Target32.25 (27.57%)
Short Float %0%
Short Ratio0.28
Dividend
Industry RankSector Rank
Dividend Yield 5.54%
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP40.47%
Div Incr Years1
Div Non Decr Years1
Ex-Date08-15 2025-08-15 (0.5)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-117%
Min EPS beat(2)-230.76%
Max EPS beat(2)-3.23%
EPS beat(4)2
Avg EPS beat(4)-57.52%
Min EPS beat(4)-230.76%
Max EPS beat(4)2.01%
EPS beat(8)5
Avg EPS beat(8)-23.36%
EPS beat(12)6
Avg EPS beat(12)-22.68%
EPS beat(16)9
Avg EPS beat(16)-15.28%
Revenue beat(2)1
Avg Revenue beat(2)4.91%
Min Revenue beat(2)-6.85%
Max Revenue beat(2)16.67%
Revenue beat(4)3
Avg Revenue beat(4)4.89%
Min Revenue beat(4)-6.85%
Max Revenue beat(4)16.67%
Revenue beat(8)5
Avg Revenue beat(8)2.78%
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)8.4%
PT rev (3m)-6.55%
EPS NQ rev (1m)0.54%
EPS NQ rev (3m)1.62%
EPS NY rev (1m)-0.22%
EPS NY rev (3m)0.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.69%
Revenue NY rev (1m)0.36%
Revenue NY rev (3m)-2.42%
Valuation
Industry RankSector Rank
PE 32
Fwd PE 10.84
P/S 2.57
P/FCF N/A
P/OCF N/A
P/B 2.29
P/tB 2.41
EV/EBITDA 10.22
EPS(TTM)0.79
EY3.13%
EPS(NY)2.33
Fwd EY9.22%
FCF(TTM)-13.41
FCFYN/A
OCF(TTM)-13.39
OCFYN/A
SpS9.85
BVpS11.02
TBVpS10.51
PEG (NY)1.87
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.43%
ROE 16.57%
ROCE 11.82%
ROIC 4.13%
ROICexc 4.55%
ROICexgc 5.13%
OM 41.07%
PM (TTM) 18.54%
GM 93.47%
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%
ROICexcg growth 3Y-25.12%
ROICexcg 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-Score4
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 5.58
Debt/FCF N/A
Debt/EBITDA 15.04
Cap/Depr 34.93%
Cap/Sales 0.14%
Interest Coverage 1.3
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.18
Quick Ratio 0.18
Altman-Z 0.06
F-Score4
WACC5.72%
ROIC/WACC0.72
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)-53.8%
EPS 3Y-17.48%
EPS 5Y-3.5%
EPS Q2Q%-262.79%
EPS Next Y17.12%
EPS Next 2Y9.35%
EPS Next 3Y7.27%
EPS Next 5Y12.02%
Revenue 1Y (TTM)21.18%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%11.72%
Revenue Next Year18.54%
Revenue Next 2Y15.43%
Revenue Next 3Y13.38%
Revenue Next 5YN/A
EBIT growth 1Y40%
EBIT growth 3Y3.47%
EBIT growth 5Y10.99%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-87.76%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-87.65%
OCF growth 3YN/A
OCF growth 5YN/A