24.975 USD
+0.01 (+0.02%)
Last: Jan 29, 2026, 08:00 PM
Taking everything into account, NEWTZ scores 3 out of 10 in our fundamental rating. NEWTZ was compared to 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 valued correctly, but it does not seem to be growing.
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 4 of the past 5 years.
- In the past 5 years NEWTZ reported 4 times negative operating cash flow.
1.2 Ratios
- NEWTZ's Return On Assets of 2.40% is fine compared to the rest of the industry. NEWTZ outperforms 64.95% of its industry peers.
- NEWTZ has a better Return On Equity (14.90%) than 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.
- Measured over the past 3 years, the Average Return On Invested Capital 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
- NEWTZ has a better Profit Margin (19.15%) than 77.32% of its industry peers.
- In the last couple of years the Profit Margin of NEWTZ has declined.
- Looking at the Operating Margin, with a value of 44.30%, NEWTZ belongs to the top of the industry, outperforming 84.54% of the companies in the same industry.
- NEWTZ's Operating Margin has declined in the last couple of years.
- 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
- 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
- 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: 62.89% of the companies in the same industry are doing better.
- NEWTZ has a Debt/Equity ratio of 4.98. This is a high value indicating a heavy dependency on external financing.
- The Debt to Equity ratio of NEWTZ (4.98) is worse than 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
WACC7.56%
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.
- The Current ratio of NEWTZ (0.15) is worse than 72.16% 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.
- Looking at the Quick ratio, with a value of 0.15, NEWTZ is doing worse than 72.16% of the companies in the same industry.
| 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 -50.26% in the last year.
- NEWTZ shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.98% yearly.
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
- The Price/Earnings ratio is 25.75, which means the current valuation is very expensive for NEWTZ.
- 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 28.30, 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.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, NEWTZ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.75 | ||
| Fwd PE | 10.63 |
4.2 Price Multiples
- 69.07% 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
- NEWTZ has a Yearly Dividend Yield of 5.56%, which is a nice return.
- NEWTZ's Dividend Yield is rather good when compared to the industry average which is at 2.10. 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 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.56% |
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
- 37.16% of the earnings are spent on dividend by NEWTZ. This is a low number and 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.