NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) Stock Fundamental Analysis
USA - NASDAQ:NEWTI - US6525268073
24.88 USD
0 (0%)
NEWTI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 101 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
In the past year NEWTI was profitable.
NEWTI had a negative operating cash flow in the past year.
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 2.43%. This is in the better half of the industry: NEWTI outperforms 62.38% of its industry peers.
NEWTI's Return On Equity of 16.57% is amongst the best of the industry. NEWTI outperforms 83.17% of its industry peers.
With a Return On Invested Capital value of 4.13%, NEWTI perfoms like the industry average, outperforming 59.41% 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 7.64%.
| Industry Rank | Sector 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%
1.3 Margins
With a decent Profit Margin value of 18.54%, NEWTI is doing good in the industry, outperforming 75.25% of the companies in the same industry.
In the last couple of years the Profit Margin of NEWTI has declined.
NEWTI's Operating Margin of 41.07% is amongst the best of the industry. NEWTI outperforms 80.20% of its industry peers.
In the last couple of years the Operating Margin of NEWTI has declined.
NEWTI has a Gross Margin of 93.47%. This is amongst the best in the industry. NEWTI outperforms 97.03% of its industry peers.
| Industry Rank | Sector 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
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
NEWTI has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, NEWTI has a worse debt to assets ratio.
2.2 Solvency
NEWTI has an Altman-Z score of 0.05. This is a bad value and indicates that NEWTI is not financially healthy and even has some risk of bankruptcy.
NEWTI has a Altman-Z score of 0.05. This is in the lower half of the industry: NEWTI underperforms 62.38% of its industry peers.
A Debt/Equity ratio of 5.58 is on the high side and indicates that NEWTI has dependencies on debt financing.
With a Debt to Equity ratio value of 5.58, NEWTI is not doing good in the industry: 81.19% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.58 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.05 |
ROIC/WACC0.56
WACC7.42%
2.3 Liquidity
A Current Ratio of 0.18 indicates that NEWTI may have some problems paying its short term obligations.
The Current ratio of NEWTI (0.18) is worse than 73.27% of its industry peers.
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.
Looking at the Quick ratio, with a value of 0.18, NEWTI is doing worse than 73.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 |
3. Growth
3.1 Past
The earnings per share for NEWTI have decreased strongly by -53.80% in the last year.
Measured over the past years, NEWTI shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.50% on average per year.
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
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 15.39% on average over the next years. This is quite good.
EPS Next Y17.38%
EPS Next 2Y9.92%
EPS Next 3Y13.7%
EPS Next 5Y12.02%
Revenue Next Year18.11%
Revenue Next 2Y15.39%
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.
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 quite expensively with a Price/Earnings ratio of 31.49.
Based on the Price/Earnings ratio, NEWTI is valued a bit more expensive than the industry average as 67.33% of the companies are valued more cheaply.
NEWTI's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.27.
With a Price/Forward Earnings ratio of 10.56, the valuation of NEWTI can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as NEWTI.
The average S&P500 Price/Forward Earnings ratio is at 22.77. NEWTI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.49 | ||
| Fwd PE | 10.56 |
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 73.27% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.12 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as NEWTI's earnings are expected to grow with 13.70% in the coming years.
PEG (NY)1.81
PEG (5Y)N/A
EPS Next 2Y9.92%
EPS Next 3Y13.7%
5. Dividend
5.1 Amount
NEWTI has a Yearly Dividend Yield of 8.00%, which is a nice return.
Compared to an average industry Dividend Yield of 4.86, NEWTI pays a better dividend. On top of this NEWTI pays more dividend than 92.08% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, NEWTI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8% |
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 40.47% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP40.47%
EPS Next 2Y9.92%
EPS Next 3Y13.7%
NEWTEKONE INC - NEWT 8 09/01/28
NASDAQ:NEWTI (9/16/2025, 12:12:33 PM)
24.88
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners43.07%
Inst Owner ChangeN/A
Ins Owners6.57%
Ins Owner ChangeN/A
Market Cap704.60M
Analysts73.33
Price Target30.65 (23.19%)
Short Float %0%
Short Ratio0.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP40.47%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)-4.3%
PT rev (3m)-3.21%
EPS NQ rev (1m)-2.71%
EPS NQ rev (3m)1.07%
EPS NY rev (1m)0.26%
EPS NY rev (3m)1.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.69%
Revenue NY rev (1m)-2.77%
Revenue NY rev (3m)-2.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.49 | ||
| Fwd PE | 10.56 | ||
| P/S | 2.52 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.26 | ||
| P/tB | 2.37 | ||
| EV/EBITDA | 10.12 |
EPS(TTM)0.79
EY3.18%
EPS(NY)2.36
Fwd EY9.47%
FCF(TTM)-13.41
FCFYN/A
OCF(TTM)-13.39
OCFYN/A
SpS9.85
BVpS11.02
TBVpS10.51
PEG (NY)1.81
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.05 |
F-Score4
WACC7.42%
ROIC/WACC0.56
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 Y17.38%
EPS Next 2Y9.92%
EPS Next 3Y13.7%
EPS Next 5Y12.02%
Revenue 1Y (TTM)21.18%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%11.72%
Revenue Next Year18.11%
Revenue Next 2Y15.39%
Revenue Next 3YN/A
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