25.2 USD
+0.08 (+0.32%)
Taking everything into account, NEWTI scores 4 out of 10 in our fundamental rating. NEWTI was compared to 99 industry peers in the Financial Services industry. NEWTI has a medium profitability rating, but doesn't score so well on its financial health evaluation. NEWTI is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
NEWTI had positive earnings in the past year.
NEWTI had a negative operating cash flow in the past year.
NEWTI had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: NEWTI reported negative operating cash flow in multiple years.
1.2 Ratios
With a decent Return On Assets value of 2.40%, NEWTI is doing good in the industry, outperforming 63.64% of the companies in the same industry.
The Return On Equity of NEWTI (14.90%) is better than 77.78% of its industry peers.
The Return On Invested Capital of NEWTI (4.26%) 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 8.44%.
| 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
NEWTI has a better Profit Margin (19.15%) than 74.75% of its industry peers.
In the last couple of years the Profit Margin of NEWTI has declined.
The Operating Margin of NEWTI (44.30%) is better than 81.82% 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 94.95% 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NEWTI is destroying value.
Compared to 1 year ago, NEWTI has more shares outstanding
The number of shares outstanding for NEWTI has been increased compared to 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 0.06. This is a bad value and indicates that NEWTI is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 0.06, NEWTI perfoms like the industry average, outperforming 41.41% of the companies in the same industry.
A Debt/Equity ratio of 4.98 is on the high side and indicates that NEWTI has dependencies on debt financing.
NEWTI has a Debt to Equity ratio of 4.98. This is amonst the worse of the industry: NEWTI underperforms 82.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.06 |
ROIC/WACC0.73
WACC5.85%
2.3 Liquidity
A Current Ratio of 0.15 indicates that NEWTI may have some problems paying its short term obligations.
NEWTI has a worse Current ratio (0.15) than 75.76% of its industry peers.
A Quick Ratio of 0.15 indicates that NEWTI may have some problems paying its short term obligations.
NEWTI has a Quick ratio of 0.15. This is in the lower half of the industry: NEWTI underperforms 75.76% 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.
Looking at the last year, NEWTI shows a very strong growth in Revenue. The Revenue has grown by 22.63%.
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
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 13.61% on average over the next years. This is quite good.
EPS Next Y15.47%
EPS Next 2Y7.52%
EPS Next 3Y7.01%
EPS Next 5Y12.02%
Revenue Next Year15.78%
Revenue Next 2Y14.16%
Revenue Next 3Y13.61%
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
The Price/Earnings ratio is 24.95, which indicates a rather expensive current valuation of NEWTI.
Based on the Price/Earnings ratio, NEWTI is valued a bit more expensive than the industry average as 62.63% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 26.39. NEWTI is around the same levels.
NEWTI is valuated reasonably with a Price/Forward Earnings ratio of 11.18.
NEWTI's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.84, NEWTI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.95 | ||
| Fwd PE | 11.18 |
4.2 Price Multiples
NEWTI's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. NEWTI is cheaper than 67.68% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.96 |
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)1.61
PEG (5Y)N/A
EPS Next 2Y7.52%
EPS Next 3Y7.01%
5. Dividend
5.1 Amount
NEWTI has a Yearly Dividend Yield of 6.22%, which is a nice return.
Compared to an average industry Dividend Yield of 2.43, NEWTI pays a better dividend. On top of this NEWTI pays more dividend than 88.89% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, NEWTI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.22% |
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 2Y7.52%
EPS Next 3Y7.01%
NEWTEKONE INC - NEWT 8 09/01/28
NASDAQ:NEWTI (12/19/2025, 8:05:46 PM)
25.2
+0.08 (+0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners43.67%
Inst Owner ChangeN/A
Ins Owners6.03%
Ins Owner ChangeN/A
Market Cap778.43M
Revenue(TTM)300.92M
Net Income(TTM)57.62M
Analysts73.85
Price Target34.33 (36.23%)
Short Float %0%
Short Ratio0.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.22% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP37.16%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)-5.19%
PT rev (3m)12%
EPS NQ rev (1m)-0.89%
EPS NQ rev (3m)-7.92%
EPS NY rev (1m)-0.64%
EPS NY rev (3m)-1.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.95 | ||
| Fwd PE | 11.18 | ||
| P/S | 2.59 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.01 | ||
| P/tB | 2.09 | ||
| EV/EBITDA | 9.96 |
EPS(TTM)1.01
EY4.01%
EPS(NY)2.25
Fwd EY8.95%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)1.61
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
WACC5.85%
ROIC/WACC0.73
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 Y15.47%
EPS Next 2Y7.52%
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 Year15.78%
Revenue Next 2Y14.16%
Revenue Next 3Y13.61%
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.
Can you provide the valuation status for NEWTEKONE INC - NEWT 8 09/01/28?
ChartMill assigns a valuation rating of 3 / 10 to NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI). This can be considered as Overvalued.
Can you provide the profitability details for NEWTEKONE INC - NEWT 8 09/01/28?
NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) has a profitability rating of 5 / 10.
Can you provide the financial health for NEWTI stock?
The financial health rating of NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) is 0 / 10.
Can you provide the expected EPS growth for NEWTI stock?
The Earnings per Share (EPS) of NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) is expected to grow by 15.47% in the next year.