24.975 USD
+0.01 (+0.02%)
Last: Jan 29, 2026, 08:00 PM
Overall NEWTZ gets a fundamental rating of 3 out of 10. We evaluated NEWTZ 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 has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- NEWTZ had positive earnings in the past year.
- NEWTZ had a negative operating cash flow in the past year.
- NEWTZ had positive earnings in 4 of the past 5 years.
- In the past 5 years NEWTZ reported 4 times negative operating cash flow.
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's Return On Equity of 14.90% is fine compared to the rest of the industry. NEWTZ outperforms 79.38% of its industry peers.
- NEWTZ's Return On Invested Capital of 4.26% is fine compared to the rest 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 8.51%.
| 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.
- NEWTZ has a better Operating Margin (44.30%) than 84.54% of its industry peers.
- In the last couple of years the Operating Margin of NEWTZ has declined.
- NEWTZ's Gross Margin of 93.95% is amongst the best of the industry. NEWTZ outperforms 96.91% 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NEWTZ is destroying value.
- There is no outstanding debt for NEWTZ. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- Based on the Altman-Z score of 0.05, we must say that NEWTZ is in the distress zone and 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.
- A Debt/Equity ratio of 4.98 is on the high side and indicates that NEWTZ has dependencies on debt financing.
- NEWTZ has a Debt to Equity ratio of 4.98. This is amonst the worse of the industry: NEWTZ underperforms 80.41% 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.
- NEWTZ has a Current ratio of 0.15. This is in the lower half of the industry: NEWTZ underperforms 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 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 -50.26%.
- 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.
EPS 1Y (TTM)-50.26%
EPS 3Y-23.3%
EPS 5Y-13.98%
EPS Q2Q%-5.8%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-4.61%
3.2 Future
- Based on estimates for the next years, NEWTZ will show a very strong growth in Earnings Per Share. The EPS will grow by 46.82% on average per year.
- The Revenue is expected to grow by 13.03% on average over the next years. This is quite good.
EPS Next Y142.21%
EPS Next 2Y59.93%
EPS Next 3Y46.82%
EPS Next 5YN/A
Revenue Next Year12.88%
Revenue Next 2Y13.03%
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.
4. Valuation
4.1 Price/Earnings Ratio
- NEWTZ is valuated quite expensively with a Price/Earnings ratio of 25.75.
- Based on the Price/Earnings ratio, NEWTZ is valued a bit more expensive than the industry average as 61.86% of the companies are valued more cheaply.
- NEWTZ is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 28.32, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 10.63 indicates a reasonable valuation of NEWTZ.
- The rest of the industry has a similar Price/Forward Earnings ratio as NEWTZ.
- NEWTZ's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.75 | ||
| Fwd PE | 10.63 |
4.2 Price Multiples
- 68.04% 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 | 9.9 |
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.
- NEWTZ's earnings are expected to grow with 46.82% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y59.93%
EPS Next 3Y46.82%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.31%, NEWTZ is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 1.89, NEWTZ pays a better dividend. On top of this NEWTZ pays more dividend than 90.72% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, NEWTZ pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.31% |
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 2Y59.93%
EPS Next 3Y46.82%
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 3 / 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 4 / 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.