25.35 USD
-0.02 (-0.08%)
We assign a fundamental rating of 4 out of 10 to NEWTI. NEWTI was compared to 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. While showing a medium growth rate, NEWTI is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- In the past year NEWTI was profitable.
- 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.
1.2 Ratios
- Looking at the Return On Assets, with a value of 2.40%, NEWTI is in the better half of the industry, outperforming 62.89% of the companies in the same industry.
- With a decent Return On Equity value of 14.90%, NEWTI is doing good in the industry, outperforming 77.32% of the companies in the same industry.
- NEWTI has a Return On Invested Capital of 4.26%. This is comparable to the rest of the industry: NEWTI outperforms 58.76% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for NEWTI is below the industry average of 8.44%.
| 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
- The Profit Margin of NEWTI (19.15%) is better than 74.23% 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 81.44% of the companies in the same industry.
- 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
- 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.
- NEWTI has more shares outstanding than it did 5 years ago.
- NEWTI has a worse debt/assets ratio than last year.
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.
- Looking at the Altman-Z score, with a value of 0.06, NEWTI is in line with its industry, outperforming 40.21% of the companies in the same industry.
- NEWTI has a Debt/Equity ratio of 4.98. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 4.98, NEWTI is doing worse than 83.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.06 |
ROIC/WACC0.56
WACC7.61%
2.3 Liquidity
- A Current Ratio of 0.15 indicates that NEWTI may have some problems paying its short term obligations.
- Looking at the Current ratio, with a value of 0.15, NEWTI is doing worse than 74.23% of the companies in the same industry.
- 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.
- NEWTI's Quick ratio of 0.15 is on the low side compared to the rest of the industry. NEWTI is outperformed by 74.23% of its industry peers.
| 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 -43.58% 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.
- The Revenue has grown by 22.63% in the past year. This is a very strong growth!
- The Revenue has been growing by 20.01% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-43.58%
EPS 3Y-17.48%
EPS 5Y-3.5%
EPS Q2Q%48.89%
Revenue 1Y (TTM)22.63%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%19.27%
3.2 Future
- The Earnings Per Share is expected to grow by 12.02% on average over the next years. This is quite good.
- NEWTI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.21% yearly.
EPS Next Y16.44%
EPS Next 2Y8.49%
EPS Next 3Y7.01%
EPS Next 5Y12.02%
Revenue Next Year16.6%
Revenue Next 2Y14.73%
Revenue Next 3Y14.21%
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
- Based on the Price/Earnings ratio of 25.10, the valuation of NEWTI can be described as expensive.
- Compared to the rest of the industry, the Price/Earnings ratio of NEWTI indicates a slightly more expensive valuation: NEWTI is more expensive than 63.92% of the companies listed in the same industry.
- NEWTI's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.32.
- A Price/Forward Earnings ratio of 11.05 indicates a reasonable valuation of NEWTI.
- NEWTI's Price/Forward Earnings ratio is in line with the industry average.
- NEWTI is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.1 | ||
| Fwd PE | 11.05 |
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 65.98% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.99 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.53
PEG (5Y)N/A
EPS Next 2Y8.49%
EPS Next 3Y7.01%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.21%, NEWTI is a good candidate for dividend investing.
- NEWTI's Dividend Yield is rather good when compared to the industry average which is at 2.24. NEWTI pays more dividend than 86.60% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.86, NEWTI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.21% |
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 37.16% of its income as dividend. This is a sustainable payout ratio.
DP37.16%
EPS Next 2Y8.49%
EPS Next 3Y7.01%
NEWTEKONE INC - NEWT 8 09/01/28
NASDAQ:NEWTI (1/21/2026, 8:00:01 PM)
25.35
-0.02 (-0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-29 2025-10-29/amc
Earnings (Next)01-29 2026-01-29/amc
Inst Owners44.09%
Inst Owner ChangeN/A
Ins Owners6.04%
Ins Owner ChangeN/A
Market Cap783.06M
Revenue(TTM)300.92M
Net Income(TTM)57.62M
Analysts73.85
Price Target30.61 (20.75%)
Short Float %0.01%
Short Ratio0.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.21% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP37.16%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
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)-10.82%
PT rev (3m)-5.08%
EPS NQ rev (1m)5.04%
EPS NQ rev (3m)-2.35%
EPS NY rev (1m)0.84%
EPS NY rev (3m)-0.58%
Revenue NQ rev (1m)1.52%
Revenue NQ rev (3m)-1.04%
Revenue NY rev (1m)0.71%
Revenue NY rev (3m)-1.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.1 | ||
| Fwd PE | 11.05 | ||
| P/S | 2.6 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.02 | ||
| P/tB | 2.1 | ||
| EV/EBITDA | 9.99 |
EPS(TTM)1.01
EY3.98%
EPS(NY)2.3
Fwd EY9.05%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)1.53
PEG (5Y)N/A
Graham Number16.87
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.4% | ||
| ROE | 14.9% | ||
| ROCE | 11.69% | ||
| ROIC | 4.26% | ||
| ROICexc | 4.64% | ||
| ROICexgc | 5.2% | ||
| OM | 44.3% | ||
| PM (TTM) | 19.15% | ||
| GM | 93.95% | ||
| 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%
ROICexgc growth 3Y-25.12%
ROICexgc 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-Score3
Asset Turnover0.13
Health
| Industry Rank | Sector 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-Score3
WACC7.61%
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)-43.58%
EPS 3Y-17.48%
EPS 5Y-3.5%
EPS Q2Q%48.89%
EPS Next Y16.44%
EPS Next 2Y8.49%
EPS Next 3Y7.01%
EPS Next 5Y12.02%
Revenue 1Y (TTM)22.63%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%19.27%
Revenue Next Year16.6%
Revenue Next 2Y14.73%
Revenue Next 3Y14.21%
Revenue Next 5YN/A
EBIT growth 1Y43.89%
EBIT growth 3Y3.47%
EBIT growth 5Y10.99%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-1666.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-1683.89%
OCF growth 3YN/A
OCF growth 5YN/A
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 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 3 / 10 to NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI). This can be considered as Overvalued.
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 16.44% 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%.