25.2001 USD
-0.3 (-1.18%)
We assign a fundamental rating of 4 out of 10 to NEWTI. NEWTI was compared to 98 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 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.
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 64.29% of the companies in the same industry.
NEWTI's Return On Equity of 14.90% is fine compared to the rest of the industry. NEWTI outperforms 77.55% of its industry peers.
NEWTI has a Return On Invested Capital of 4.26%. This is comparable to the rest of the industry: NEWTI outperforms 59.18% 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
NEWTI's Profit Margin of 19.15% is fine compared to the rest of the industry. NEWTI outperforms 74.49% 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 81.63% of the companies in the same industry.
NEWTI's Operating Margin has declined in the last couple of years.
NEWTI has a Gross Margin of 93.95%. This is amongst the best in the industry. NEWTI outperforms 94.90% 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
Compared to 5 years ago, NEWTI has more shares outstanding
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.
The Altman-Z score of NEWTI (0.06) is comparable to the rest of the industry.
NEWTI has a Debt/Equity ratio of 4.98. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of NEWTI (4.98) is worse than 82.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.06 |
ROIC/WACC0.73
WACC5.84%
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.
NEWTI has a worse Current ratio (0.15) than 72.45% of its industry peers.
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 72.45% 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 -43.58%.
The Earnings Per Share has been decreasing by -3.50% on average over the past years.
The Revenue has grown by 22.63% in the past year. This is a very strong growth!
Measured over the past years, NEWTI shows a very strong growth in Revenue. The Revenue has been growing by 20.01% on average per year.
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
Based on estimates for the next years, NEWTI will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.02% on average per year.
NEWTI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.61% yearly.
EPS Next Y16.44%
EPS Next 2Y8.49%
EPS Next 3Y7.01%
EPS Next 5Y12.02%
Revenue Next Year15.81%
Revenue Next 2Y14.02%
Revenue Next 3Y13.61%
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.
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
With a Price/Earnings ratio of 24.95, NEWTI is valued on the expensive side.
NEWTI's Price/Earnings ratio is a bit more expensive when compared to the industry. NEWTI is more expensive than 62.24% of the companies in the same industry.
NEWTI's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.51.
A Price/Forward Earnings ratio of 10.98 indicates a reasonable valuation of NEWTI.
NEWTI's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of NEWTI to the average of the S&P500 Index (23.13), we can say NEWTI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.95 | ||
| Fwd PE | 10.98 |
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 67.35% of the companies listed 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)1.52
PEG (5Y)N/A
EPS Next 2Y8.49%
EPS Next 3Y7.01%
5. Dividend
5.1 Amount
NEWTI has a Yearly Dividend Yield of 6.59%, which is a nice return.
NEWTI's Dividend Yield is rather good when compared to the industry average which is at 2.36. NEWTI pays more dividend than 90.82% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, NEWTI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.59% |
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 2Y8.49%
EPS Next 3Y7.01%
NEWTEKONE INC - NEWT 8 09/01/28
NASDAQ:NEWTI (12/31/2025, 8:19:26 PM)
25.2001
-0.3 (-1.18%)
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 Target31.74 (25.95%)
Short Float %0%
Short Ratio0.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.59% |
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)-18.38%
PT rev (3m)3.54%
EPS NQ rev (1m)1.47%
EPS NQ rev (3m)-5.72%
EPS NY rev (1m)0.19%
EPS NY rev (3m)-0.58%
Revenue NQ rev (1m)0.33%
Revenue NQ rev (3m)-1.71%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)-1.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.95 | ||
| Fwd PE | 10.98 | ||
| 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)2.3
Fwd EY9.11%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)1.52
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
WACC5.84%
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 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 Year15.81%
Revenue Next 2Y14.02%
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.
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%.