24.9618 USD
+0 (+0.01%)
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 valied quite expensively at the moment, while it does show a decent growth rate.
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.
- 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 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.
- NEWTZ has a Return On Equity of 14.90%. This is in the better half of the industry: NEWTZ outperforms 79.38% of its industry peers.
- NEWTZ has a Return On Invested Capital of 4.26%. This is in the better half of the industry: NEWTZ outperforms 61.86% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for NEWTZ is below the industry average of 8.46%.
| 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
- With a decent Profit Margin value of 19.15%, NEWTZ is doing good in the industry, outperforming 77.32% of the companies in the same industry.
- NEWTZ's Profit Margin has declined in the last couple of years.
- With an excellent Operating Margin value of 44.30%, NEWTZ belongs to the best of the industry, outperforming 84.54% of the companies in the same industry.
- In the last couple of years the Operating Margin of NEWTZ has declined.
- Looking at the Gross Margin, with a value of 93.95%, NEWTZ belongs to the top of the industry, outperforming 96.91% of the companies in the same industry.
| 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), NEWTZ is destroying value.
- Compared to 1 year ago, NEWTZ has more shares outstanding
- 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
- 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.
- Looking at the Altman-Z score, with a value of 0.05, NEWTZ is doing worse than 62.89% of the companies in the same industry.
- NEWTZ has a Debt/Equity ratio of 4.98. This is a high value indicating a heavy dependency on external financing.
- NEWTZ has a Debt to Equity ratio of 4.98. This is amonst the worse of the industry: NEWTZ underperforms 81.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.05 |
ROIC/WACC0.56
WACC7.57%
2.3 Liquidity
- A Current Ratio of 0.15 indicates that NEWTZ may have some problems paying its short term obligations.
- Looking at the Current ratio, with a value of 0.15, NEWTZ is doing worse than 72.16% of the companies in the same industry.
- A Quick Ratio of 0.15 indicates that NEWTZ may have some problems paying its short term obligations.
- NEWTZ has a worse Quick ratio (0.15) than 72.16% 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 NEWTZ have decreased strongly by -43.58% in the last year.
- Measured over the past years, NEWTZ shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.50% on average per year.
- Looking at the last year, NEWTZ shows a very strong growth in Revenue. The Revenue has grown by 22.63%.
- Measured over the past years, NEWTZ 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, NEWTZ will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.02% on average per year.
- The Revenue is expected to grow by 14.21% on average over the next years. This is quite good.
EPS Next Y16.23%
EPS Next 2Y9.76%
EPS Next 3Y8.36%
EPS Next 5Y12.02%
Revenue Next Year16.6%
Revenue Next 2Y14.73%
Revenue Next 3Y14.21%
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
- With a Price/Earnings ratio of 24.71, NEWTZ is valued on the expensive side.
- Compared to the rest of the industry, the Price/Earnings ratio of NEWTZ is on the same level as its industry peers.
- NEWTZ's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.21.
- Based on the Price/Forward Earnings ratio of 10.62, the valuation of NEWTZ can be described as reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as NEWTZ.
- NEWTZ is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.71 | ||
| Fwd PE | 10.62 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, NEWTZ is valued a bit cheaper than 68.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.9 |
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 2Y9.76%
EPS Next 3Y8.36%
5. Dividend
5.1 Amount
- NEWTZ has a Yearly Dividend Yield of 5.43%, which is a nice return.
- NEWTZ's Dividend Yield is rather good when compared to the industry average which is at 2.09. NEWTZ pays more dividend than 89.69% of the companies in the same industry.
- NEWTZ's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.43% |
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
5.3 Sustainability
- NEWTZ pays out 37.16% of its income as dividend. This is a sustainable payout ratio.
DP37.16%
EPS Next 2Y9.76%
EPS Next 3Y8.36%
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 3 / 10 to NEWTEKONE INC - NEWT 5 1/2 02/01/26 (NEWTZ). This can be considered as Overvalued.
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 24.71 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.