24.91 USD
-0.03 (-0.12%)
Taking everything into account, NEWTZ scores 4 out of 10 in our fundamental rating. NEWTZ was compared to 97 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 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.
- In the past 5 years NEWTZ has always been profitable.
- 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 better Return On Assets (2.40%) than 64.29% of its industry peers.
- NEWTZ's Return On Equity of 14.90% is fine compared to the rest of the industry. NEWTZ outperforms 79.59% 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 61.22% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for NEWTZ 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
- With a decent Profit Margin value of 19.15%, NEWTZ is doing good in the industry, outperforming 76.53% of the companies in the same industry.
- In the last couple of years the Profit Margin of NEWTZ has declined.
- NEWTZ has a Operating Margin of 44.30%. This is amongst the best in the industry. NEWTZ outperforms 83.67% of its industry peers.
- In the last couple of years the Operating Margin of NEWTZ has declined.
- NEWTZ has a Gross Margin of 93.95%. This is amongst the best in the industry. NEWTZ outperforms 96.94% 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
- NEWTZ has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- NEWTZ has more shares outstanding than it did 1 year ago.
- NEWTZ has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, NEWTZ has a worse debt to assets ratio.
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: 62.24% 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.
- NEWTZ has a worse Debt to Equity ratio (4.98) than 81.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.05 |
ROIC/WACC0.56
WACC7.6%
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.
- With a Current ratio value of 0.15, NEWTZ is not doing good in the industry: 72.45% of the companies in the same industry are doing better.
- A Quick Ratio of 0.15 indicates that NEWTZ may have some problems paying its short term obligations.
- The Quick ratio of NEWTZ (0.15) is worse than 72.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 |
3. Growth
3.1 Past
- NEWTZ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -43.58%.
- 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.
- NEWTZ shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.63%.
- The Revenue has been growing by 20.01% on average over the past years. This is a very strong growth!
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.
- NEWTZ is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.21% yearly.
EPS Next Y16.44%
EPS Next 2Y8.49%
EPS Next 3Y7.01%
EPS Next 5Y12.02%
Revenue Next Year16.6%
Revenue Next 2Y14.73%
Revenue Next 3Y14.21%
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 24.66, NEWTZ is valued on the expensive side.
- Based on the Price/Earnings ratio, NEWTZ is valued a bit more expensive than 60.20% of the companies in the same industry.
- NEWTZ is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 10.85, the valuation of NEWTZ can be described as reasonable.
- NEWTZ's Price/Forward Earnings is on the same level as the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. NEWTZ is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.66 | ||
| Fwd PE | 10.85 |
4.2 Price Multiples
- 68.37% of the companies in the same industry are more expensive than NEWTZ, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.89 |
4.3 Compensation for Growth
- NEWTZ's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.5
PEG (5Y)N/A
EPS Next 2Y8.49%
EPS Next 3Y7.01%
5. Dividend
5.1 Amount
- NEWTZ has a Yearly Dividend Yield of 5.21%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.24, NEWTZ pays a better dividend. On top of this NEWTZ pays more dividend than 84.69% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.85, NEWTZ pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.21% |
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 2Y8.49%
EPS Next 3Y7.01%
NEWTEKONE INC - NEWT 5 1/2 02/01/26
NASDAQ:NEWTZ (1/16/2026, 8:00:01 PM)
24.91
-0.03 (-0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-29 2025-10-29/amc
Earnings (Next)01-29 2026-01-29/amc
Inst Owners44.09%
Inst Owner ChangeN/A
Ins Owners6.04%
Ins Owner ChangeN/A
Market Cap769.47M
Revenue(TTM)300.92M
Net Income(TTM)57.62M
Analysts73.85
Price Target30.71 (23.28%)
Short Float %0.01%
Short Ratio0.16
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.21% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP37.16%
Div Incr Years0
Div Non Decr Years3
Ex-Date01-15 2026-01-15 (0.34375)
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)-10.61%
PT rev (3m)-5.01%
EPS NQ rev (1m)5.04%
EPS NQ rev (3m)-2.35%
EPS NY rev (1m)0.84%
EPS NY rev (3m)-0.58%
Revenue NQ rev (1m)1.52%
Revenue NQ rev (3m)-1.04%
Revenue NY rev (1m)0.71%
Revenue NY rev (3m)-1.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.66 | ||
| Fwd PE | 10.85 | ||
| P/S | 2.56 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.99 | ||
| P/tB | 2.07 | ||
| EV/EBITDA | 9.89 |
EPS(TTM)1.01
EY4.05%
EPS(NY)2.3
Fwd EY9.21%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)1.5
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 | 0.05 |
F-Score3
WACC7.6%
ROIC/WACC0.56
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 Year16.6%
Revenue Next 2Y14.73%
Revenue Next 3Y14.21%
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 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 24.66 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.