NEWTEKONE INC - NEWT 5 1/2 02/01/26 (NEWTZ) Stock Fundamental Analysis
NASDAQ:NEWTZ - Nasdaq - US6525267083 - Currency: USD
Overall NEWTZ gets a fundamental rating of 4 out of 10. We evaluated NEWTZ against 101 industry peers in the Financial Services industry. NEWTZ has a medium profitability rating, but doesn't score so well on its financial health evaluation. NEWTZ is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year NEWTZ was profitable.
NEWTZ had a negative operating cash flow in the past year.
NEWTZ had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: NEWTZ reported negative operating cash flow in multiple years.
1.2 Ratios
NEWTZ's Return On Assets of 2.97% is fine compared to the rest of the industry. NEWTZ outperforms 62.38% of its industry peers.
Looking at the Return On Equity, with a value of 17.64%, NEWTZ is in the better half of the industry, outperforming 79.21% of the companies in the same industry.
NEWTZ's Return On Invested Capital of 4.30% is in line compared to the rest of the industry. NEWTZ outperforms 58.42% of its industry peers.
NEWTZ had an Average Return On Invested Capital over the past 3 years of 4.45%. This is significantly below the industry average of 11.97%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.97% | ||
| ROE | 17.64% | ||
| ROIC | 4.3% |
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
NEWTZ has a Profit Margin of 20.26%. This is in the better half of the industry: NEWTZ outperforms 74.26% of its industry peers.
In the last couple of years the Profit Margin of NEWTZ has declined.
NEWTZ has a better Operating Margin (37.76%) than 82.18% of its industry peers.
In the last couple of years the Operating Margin of NEWTZ has declined.
With an excellent Gross Margin value of 92.20%, NEWTZ belongs to the best of the industry, outperforming 97.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 37.76% | ||
| PM (TTM) | 20.26% | ||
| GM | 92.2% |
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), NEWTZ is destroying value.
NEWTZ has more shares outstanding than it did 1 year ago.
The number of shares outstanding for NEWTZ has been increased compared to 5 years ago.
The debt/assets ratio for NEWTZ is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.28, we must say that NEWTZ is in the distress zone and has some risk of bankruptcy.
NEWTZ's Altman-Z score of 0.28 is in line compared to the rest of the industry. NEWTZ outperforms 42.57% of its industry peers.
A Debt/Equity ratio of 4.63 is on the high side and indicates that NEWTZ has dependencies on debt financing.
NEWTZ has a Debt to Equity ratio of 4.63. This is amonst the worse of the industry: NEWTZ underperforms 80.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.63 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.28 |
ROIC/WACC0.58
WACC7.46%
2.3 Liquidity
NEWTZ has a Current Ratio of 0.31. 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 (0.31) than 67.33% of its industry peers.
A Quick Ratio of 0.31 indicates that NEWTZ may have some problems paying its short term obligations.
With a Quick ratio value of 0.31, NEWTZ is not doing good in the industry: 67.33% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.31 | ||
| Quick Ratio | 0.31 |
3. Growth
3.1 Past
NEWTZ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.36%, which is quite impressive.
Measured over the past years, NEWTZ shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.30% on average per year.
NEWTZ shows a strong growth in Revenue. In the last year, the Revenue has grown by 36.18%.
NEWTZ shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.01% yearly.
EPS 1Y (TTM)22.36%
EPS 3Y-17.2%
EPS 5Y-3.3%
EPS Q2Q%30.19%
Revenue 1Y (TTM)36.18%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%33.62%
3.2 Future
NEWTZ is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.73% yearly.
Based on estimates for the next years, NEWTZ will show a quite strong growth in Revenue. The Revenue will grow by 16.43% on average per year.
EPS Next Y16.39%
EPS Next 2Y11.84%
EPS Next 3Y14.25%
EPS Next 5Y11.73%
Revenue Next Year17.5%
Revenue Next 2Y16.43%
Revenue Next 3YN/A
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.44 indicates a correct valuation of NEWTZ.
Compared to the rest of the industry, the Price/Earnings ratio of NEWTZ is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.63, NEWTZ is valued rather cheaply.
NEWTZ is valuated reasonably with a Price/Forward Earnings ratio of 10.68.
The rest of the industry has a similar Price/Forward Earnings ratio as NEWTZ.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.85, NEWTZ is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.44 | ||
| Fwd PE | 10.68 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NEWTZ is valued a bit cheaper than 64.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 12.02 |
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 14.25% in the coming years.
PEG (NY)0.76
PEG (5Y)N/A
EPS Next 2Y11.84%
EPS Next 3Y14.25%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.43%, NEWTZ is a good candidate for dividend investing.
NEWTZ's Dividend Yield is rather good when compared to the industry average which is at 4.93. NEWTZ pays more dividend than 90.10% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.51, NEWTZ pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.43% |
5.2 History
The dividend of NEWTZ decreases each year by -19.82%.
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)-19.82%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
39.76% of the earnings are spent on dividend by NEWTZ. This is a low number and sustainable payout ratio.
DP39.76%
EPS Next 2Y11.84%
EPS Next 3Y14.25%
NEWTEKONE INC - NEWT 5 1/2 02/01/26
NASDAQ:NEWTZ (4/21/2025, 8:00:01 PM)
24.5
-0.02 (-0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners36.32%
Inst Owner ChangeN/A
Ins Owners6.65%
Ins Owner ChangeN/A
Market Cap644.11M
Analysts72.31
Price Target30.11 (22.9%)
Short Float %0.01%
Short Ratio0.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.43% |
Yearly Dividend0.57
Dividend Growth(5Y)-19.82%
DP39.76%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.1%
Min EPS beat(2)1.89%
Max EPS beat(2)6.31%
EPS beat(4)3
Avg EPS beat(4)12.4%
Min EPS beat(4)-10.15%
Max EPS beat(4)51.55%
EPS beat(8)5
Avg EPS beat(8)-3.17%
EPS beat(12)8
Avg EPS beat(12)-0.07%
EPS beat(16)9
Avg EPS beat(16)1.41%
Revenue beat(2)2
Avg Revenue beat(2)1.59%
Min Revenue beat(2)0.33%
Max Revenue beat(2)2.85%
Revenue beat(4)3
Avg Revenue beat(4)2.53%
Min Revenue beat(4)-10.96%
Max Revenue beat(4)17.89%
Revenue beat(8)5
Avg Revenue beat(8)5.47%
Revenue beat(12)9
Avg Revenue beat(12)43.34%
Revenue beat(16)13
Avg Revenue beat(16)55.29%
PT rev (1m)10.15%
PT rev (3m)8.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.43%
EPS NY rev (1m)5.58%
EPS NY rev (3m)7.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.17%
Revenue NY rev (1m)4.59%
Revenue NY rev (3m)9.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.44 | ||
| Fwd PE | 10.68 | ||
| P/S | 2.62 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.29 | ||
| P/tB | 2.41 | ||
| EV/EBITDA | 12.02 |
EPS(TTM)1.97
EY8.04%
EPS(NY)2.29
Fwd EY9.36%
FCF(TTM)-3.11
FCFYN/A
OCF(TTM)-3.09
OCFYN/A
SpS9.33
BVpS10.72
TBVpS10.16
PEG (NY)0.76
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.97% | ||
| ROE | 17.64% | ||
| ROCE | 9.78% | ||
| ROIC | 4.3% | ||
| ROICexc | 4.78% | ||
| ROICexgc | 5.25% | ||
| OM | 37.76% | ||
| PM (TTM) | 20.26% | ||
| GM | 92.2% | ||
| 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%
ROICexcg growth 3Y-25.12%
ROICexcg 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-Score4
Asset Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.63 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 13.8 | ||
| Cap/Depr | 27.28% | ||
| Cap/Sales | 0.22% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.31 | ||
| Quick Ratio | 0.31 | ||
| Altman-Z | 0.28 |
F-Score4
WACC7.46%
ROIC/WACC0.58
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)22.36%
EPS 3Y-17.2%
EPS 5Y-3.3%
EPS Q2Q%30.19%
EPS Next Y16.39%
EPS Next 2Y11.84%
EPS Next 3Y14.25%
EPS Next 5Y11.73%
Revenue 1Y (TTM)36.18%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%33.62%
Revenue Next Year17.5%
Revenue Next 2Y16.43%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y115.91%
EBIT growth 3Y3.47%
EBIT growth 5Y10.99%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-177.6%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-178.62%
OCF growth 3YN/A
OCF growth 5YN/A