NEWTEKONE INC - NEWT 5 1/2 02/01/26 (NEWTZ) Stock Fundamental Analysis

NASDAQ:NEWTZ • US6525267083

24.975 USD
+0.01 (+0.02%)
Last: Jan 29, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

NEWTZ gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. While NEWTZ is still in line with the averages on profitability rating, there are concerns on its financial health. NEWTZ is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • NEWTZ had positive earnings in the past year.
  • In the past year NEWTZ has reported a negative cash flow from operations.
  • NEWTZ had positive earnings in each of the past 5 years.
  • In the past 5 years NEWTZ reported 4 times negative operating cash flow.
NEWTZ Yearly Net Income VS EBIT VS OCF VS FCFNEWTZ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M -150M

1.2 Ratios

  • NEWTZ has a Return On Assets of 2.40%. This is in the better half of the industry: NEWTZ outperforms 64.95% of its industry peers.
  • The Return On Equity of NEWTZ (14.90%) is better than 79.38% of its industry peers.
  • The Return On Invested Capital of NEWTZ (4.30%) is better than 60.82% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for NEWTZ is below the industry average of 8.38%.
  • The last Return On Invested Capital (4.30%) for NEWTZ is above the 3 year average (3.79%), which is a sign of increasing profitability.
Industry RankSector 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%
NEWTZ Yearly ROA, ROE, ROICNEWTZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • NEWTZ has a better Profit Margin (19.15%) than 76.29% of its industry peers.
  • NEWTZ's Profit Margin has declined in the last couple of years.
  • NEWTZ's Operating Margin of 44.30% is amongst the best of the industry. NEWTZ outperforms 83.51% of its industry peers.
  • NEWTZ's Operating Margin has declined in the last couple of years.
  • NEWTZ has a better Gross Margin (93.95%) than 96.91% of its industry peers.
Industry RankSector 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
NEWTZ Yearly Profit, Operating, Gross MarginsNEWTZ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NEWTZ is destroying value.
  • The number of shares outstanding for NEWTZ has been increased compared to 1 year ago.
  • Compared to 5 years ago, NEWTZ has more shares outstanding
  • Compared to 1 year ago, NEWTZ has about the same debt to assets ratio.
NEWTZ Yearly Shares OutstandingNEWTZ Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
NEWTZ Yearly Total Debt VS Total AssetsNEWTZ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • NEWTZ has an Altman-Z score of 0.05. This is a bad value and indicates that NEWTZ is not financially healthy and even has some risk of bankruptcy.
  • With a Altman-Z score value of 0.05, NEWTZ is not doing good in the industry: 61.86% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 4.98 is on the high side and indicates that NEWTZ has dependencies on debt financing.
  • The Debt to Equity ratio of NEWTZ (4.98) is worse than 80.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.98
Debt/FCF N/A
Altman-Z 0.05
ROIC/WACC0.56
WACC7.62%
NEWTZ Yearly LT Debt VS Equity VS FCFNEWTZ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M 800M

2.3 Liquidity

  • NEWTZ has a Current Ratio of 0.15. This is a bad value and indicates that NEWTZ is not financially healthy enough and could expect problems in meeting its short term obligations.
  • NEWTZ has a worse Current ratio (0.15) than 71.13% of its industry peers.
  • NEWTZ has a Quick Ratio of 0.15. This is a bad value and indicates that NEWTZ is not financially healthy enough and could expect problems in meeting its short term obligations.
  • NEWTZ has a Quick ratio of 0.15. This is in the lower half of the industry: NEWTZ underperforms 71.13% of its industry peers.
Industry RankSector Rank
Current Ratio 0.15
Quick Ratio 0.15
NEWTZ Yearly Current Assets VS Current LiabilitesNEWTZ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The earnings per share for NEWTZ have decreased strongly by -50.26% in the last year.
  • Measured over the past years, NEWTZ shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -13.98% on average per year.
  • The Revenue has grown by 13.34% in the past year. This is quite good.
  • Measured over the past years, NEWTZ 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

  • The Earnings Per Share is expected to grow by 46.82% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, NEWTZ 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.
NEWTZ Yearly Revenue VS EstimatesNEWTZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
NEWTZ Yearly EPS VS EstimatesNEWTZ Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 25.75 indicates a quite expensive valuation of NEWTZ.
  • Based on the Price/Earnings ratio, NEWTZ is valued a bit more expensive than the industry average as 62.89% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 27.16, NEWTZ is valued at the same level.
  • A Price/Forward Earnings ratio of 10.51 indicates a reasonable valuation of NEWTZ.
  • NEWTZ's Price/Forward Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 28.10. NEWTZ is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 25.75
Fwd PE 10.51
NEWTZ Price Earnings VS Forward Price EarningsNEWTZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • NEWTZ's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. NEWTZ is cheaper than 70.10% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 9.9
NEWTZ Per share dataNEWTZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 -10 -15

4.3 Compensation for Growth

  • NEWTZ's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as NEWTZ's earnings are expected to grow with 46.82% in the coming years.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y60.51%
EPS Next 3Y46.82%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • NEWTZ has a Yearly Dividend Yield of 5.61%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.23, NEWTZ pays a better dividend. On top of this NEWTZ pays more dividend than 88.66% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, NEWTZ pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.61%

5.2 History

  • The dividend of NEWTZ decreases each year by -17.44%.
  • NEWTZ has been paying a dividend for over 5 years, so it has already some track record.
  • NEWTZ has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-17.44%
Div Incr Years0
Div Non Decr Years3
NEWTZ Yearly Dividends per shareNEWTZ Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • NEWTZ 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%
NEWTZ Yearly Income VS Free CF VS DividendNEWTZ Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M -150M
NEWTZ Dividend Payout.NEWTZ Dividend Payout, showing the Payout Ratio.NEWTZ Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

NEWTEKONE INC - NEWT 5 1/2 02/01/26

NASDAQ:NEWTZ (1/29/2026, 8:00:02 PM)

24.975

+0.01 (+0.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)05-04
Inst Owners44.09%
Inst Owner ChangeN/A
Ins Owners6.04%
Ins Owner ChangeN/A
Market Cap771.48M
Revenue(TTM)309.46M
Net Income(TTM)57.62M
Analysts73.85
Price Target30.71 (22.96%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.61%
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP37.16%
Div Incr Years0
Div Non Decr Years3
Ex-Date01-15
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)7
Avg Revenue beat(12)4.61%
Revenue beat(16)11
Avg Revenue beat(16)33.22%
PT rev (1m)-2.92%
PT rev (3m)-13.38%
EPS NQ rev (1m)0.15%
EPS NQ rev (3m)1.62%
EPS NY rev (1m)3.56%
EPS NY rev (3m)1.67%
Revenue NQ rev (1m)1.18%
Revenue NQ rev (3m)1.52%
Revenue NY rev (1m)2.11%
Revenue NY rev (3m)1.88%
Valuation
Industry RankSector Rank
PE 25.75
Fwd PE 10.51
P/S 2.56
P/FCF N/A
P/OCF N/A
P/B 1.99
P/tB 2.07
EV/EBITDA 9.9
EPS(TTM)0.97
EY3.88%
EPS(NY)2.38
Fwd EY9.52%
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 RankSector 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 RankSector 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 0.05
F-Score4
WACC7.62%
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 5 1/2 02/01/26 / NEWTZ FAQ

What is the ChartMill fundamental rating of NEWTEKONE INC - NEWT 5 1/2 02/01/26 (NEWTZ) stock?

ChartMill assigns a fundamental rating of 4 / 10 to NEWTZ.


What is the valuation status of NEWTEKONE INC - NEWT 5 1/2 02/01/26 (NEWTZ) stock?

ChartMill assigns a valuation rating of 4 / 10 to NEWTEKONE INC - NEWT 5 1/2 02/01/26 (NEWTZ). This can be considered as Fairly Valued.


What is the profitability of NEWTZ stock?

NEWTEKONE INC - NEWT 5 1/2 02/01/26 (NEWTZ) has a profitability rating of 5 / 10.


What are the PE and PB ratios of NEWTEKONE INC - NEWT 5 1/2 02/01/26 (NEWTZ) stock?

The Price/Earnings (PE) ratio for NEWTEKONE INC - NEWT 5 1/2 02/01/26 (NEWTZ) is 25.75 and the Price/Book (PB) ratio is 1.99.


How financially healthy is NEWTEKONE INC - NEWT 5 1/2 02/01/26?

The financial health rating of NEWTEKONE INC - NEWT 5 1/2 02/01/26 (NEWTZ) is 0 / 10.