25.355 USD
+0.11 (+0.42%)
Last: Feb 3, 2026, 08:00 PM
Taking everything into account, NEWTI scores 4 out of 10 in our fundamental rating. 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. NEWTI is not valued too expensively and it also shows 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.
- NEWTI had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
- The Return On Assets of NEWTI (2.40%) is better than 62.89% of its industry peers.
- Looking at the Return On Equity, with a value of 14.90%, NEWTI is in the better half of the industry, outperforming 77.32% of the companies in the same industry.
- NEWTI has a Return On Invested Capital (4.30%) which is comparable to the rest of the industry.
- NEWTI had an Average Return On Invested Capital over the past 3 years of 3.79%. This is below the industry average of 8.52%.
- The 3 year average ROIC (3.79%) for NEWTI is below the current ROIC(4.30%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.4% | ||
| ROE | 14.9% | ||
| ROIC | 4.3% |
ROA(3y)2.57%
ROA(5y)3.78%
ROE(3y)16.56%
ROE(5y)15.82%
ROIC(3y)3.79%
ROIC(5y)5.19%
1.3 Margins
- NEWTI has a Profit Margin of 19.15%. This is in the better half of the industry: NEWTI outperforms 74.23% of its industry peers.
- In the last couple of years the Profit Margin of NEWTI has declined.
- 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.
- In the last couple of years the Operating Margin of NEWTI has declined.
- With an excellent Gross Margin value of 93.95%, NEWTI belongs to the best of the industry, outperforming 94.85% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 44.3% | ||
| PM (TTM) | 19.15% | ||
| GM | 93.95% |
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
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NEWTI is destroying value.
- Compared to 1 year ago, NEWTI has more shares outstanding
- Compared to 5 years ago, NEWTI has more shares outstanding
- Compared to 1 year ago, NEWTI has about the same 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.
- NEWTI has a Altman-Z score (0.06) which is in line with its industry peers.
- A Debt/Equity ratio of 4.98 is on the high side and indicates that NEWTI has dependencies on debt financing.
- The Debt to Equity ratio of NEWTI (4.98) is worse than 82.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.06 |
ROIC/WACC0.56
WACC7.68%
2.3 Liquidity
- NEWTI has a Current 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.
- With a Current ratio value of 0.15, NEWTI is not doing good in the industry: 73.20% of the companies in the same industry are doing better.
- A Quick Ratio of 0.15 indicates that NEWTI may have some problems paying its short term obligations.
- NEWTI has a worse Quick ratio (0.15) than 73.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 |
3. Growth
3.1 Past
- NEWTI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -50.26%.
- The earnings per share for NEWTI have been decreasing by -13.98% on average. This is quite bad
- Looking at the last year, NEWTI shows a quite strong growth in Revenue. The Revenue has grown by 13.34% in the last year.
- Measured over the past years, NEWTI shows a very strong growth in Revenue. The Revenue has been growing by 24.47% on average per year.
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
- Based on estimates for the next years, NEWTI will show a very strong growth in Earnings Per Share. The EPS will grow by 46.82% on average per year.
- Based on estimates for the next years, NEWTI will show a quite strong growth in Revenue. The Revenue will grow by 13.39% on average per year.
EPS Next Y145.01%
EPS Next 2Y60.51%
EPS Next 3Y46.82%
EPS Next 5YN/A
Revenue Next Year13.85%
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 26.14, which means the current valuation is very expensive for NEWTI.
- Based on the Price/Earnings ratio, NEWTI is valued a bit more expensive than the industry average as 64.95% of the companies are valued more cheaply.
- When comparing the Price/Earnings ratio of NEWTI to the average of the S&P500 Index (28.18), we can say NEWTI is valued inline with the index average.
- The Price/Forward Earnings ratio is 10.67, which indicates a very decent valuation of NEWTI.
- The rest of the industry has a similar Price/Forward Earnings ratio as NEWTI.
- NEWTI is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.51, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.14 | ||
| Fwd PE | 10.67 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, NEWTI is valued a bit cheaper than the industry average as 63.92% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.99 |
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 2Y60.51%
EPS Next 3Y46.82%
5. Dividend
5.1 Amount
- NEWTI has a Yearly Dividend Yield of 5.65%, which is a nice return.
- NEWTI's Dividend Yield is rather good when compared to the industry average which is at 1.99. NEWTI pays more dividend than 91.75% of the companies in the same industry.
- NEWTI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.65% |
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
- NEWTI pays out 37.16% of its income as dividend. This is a sustainable payout ratio.
DP37.16%
EPS Next 2Y60.51%
EPS Next 3Y46.82%
NEWTEKONE INC - NEWT 8 09/01/28
NASDAQ:NEWTI (2/3/2026, 8:00:02 PM)
25.355
+0.11 (+0.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29 2026-01-29/amc
Earnings (Next)05-04 2026-05-04
Inst Owners44.09%
Inst Owner ChangeN/A
Ins Owners6.04%
Ins Owner ChangeN/A
Market Cap783.22M
Revenue(TTM)309.46M
Net Income(TTM)57.62M
Analysts73.85
Price Target32.19 (26.96%)
Short Float %0%
Short Ratio0.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.65% |
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)-3.54%
PT rev (3m)-15.45%
EPS NQ rev (1m)0.15%
EPS NQ rev (3m)-4.68%
EPS NY rev (1m)-0.18%
EPS NY rev (3m)-0.76%
Revenue NQ rev (1m)1.18%
Revenue NQ rev (3m)-1.04%
Revenue NY rev (1m)0.68%
Revenue NY rev (3m)-1.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.14 | ||
| Fwd PE | 10.67 | ||
| P/S | 2.6 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.03 | ||
| P/tB | 2.11 | ||
| EV/EBITDA | 9.99 |
EPS(TTM)0.97
EY3.83%
EPS(NY)2.38
Fwd EY9.37%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)0.18
PEG (5Y)N/A
Graham Number16.53
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.4% | ||
| ROE | 14.9% | ||
| ROCE | 11.69% | ||
| ROIC | 4.3% | ||
| ROICexc | 4.69% | ||
| ROICexgc | 5.26% | ||
| OM | 44.3% | ||
| PM (TTM) | 19.15% | ||
| GM | 93.95% | ||
| 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-Score4
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-Score4
WACC7.68%
ROIC/WACC0.56
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Y145.01%
EPS Next 2Y60.51%
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 Year13.85%
Revenue Next 2Y13.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y43.89%
EBIT growth 3Y23.02%
EBIT growth 5Y18.55%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-536.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-540.25%
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 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 145.01% 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%.