NEWTEKONE INC - NEWT 5 1/2 02/01/26 (NEWTZ) Stock Fundamental Analysis
USA - NASDAQ:NEWTZ - US6525267083
25 USD
+0.03 (+0.12%)
We assign a fundamental rating of 4 out of 10 to NEWTZ. NEWTZ was compared to 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. While showing a medium growth rate, NEWTZ is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year NEWTZ was profitable.
NEWTZ had a negative operating cash flow in the past year.
Each year in the past 5 years NEWTZ has 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 (2.43%) than 60.40% of its industry peers.
The Return On Equity of NEWTZ (16.57%) is better than 81.19% of its industry peers.
NEWTZ has a Return On Invested Capital (4.13%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for NEWTZ is below the industry average of 7.64%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.43% | ||
| ROE | 16.57% | ||
| ROIC | 4.13% |
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 (18.54%) than 73.27% of its industry peers.
In the last couple of years the Profit Margin of NEWTZ has declined.
NEWTZ has a Operating Margin of 41.07%. This is in the better half of the industry: NEWTZ outperforms 78.22% of its industry peers.
In the last couple of years the Operating Margin of NEWTZ has declined.
The Gross Margin of NEWTZ (93.47%) is better than 95.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 41.07% | ||
| PM (TTM) | 18.54% | ||
| GM | 93.47% |
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.
NEWTZ has a worse debt/assets ratio than last year.
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.
NEWTZ has a worse Altman-Z score (0.05) than 61.39% of its industry peers.
A Debt/Equity ratio of 5.58 is on the high side and indicates that NEWTZ has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 5.58, NEWTZ is doing worse than 83.17% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.58 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.05 |
ROIC/WACC0.56
WACC7.42%
2.3 Liquidity
NEWTZ has a Current Ratio of 0.18. 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 Current ratio of 0.18. This is in the lower half of the industry: NEWTZ underperforms 75.25% of its industry peers.
NEWTZ has a Quick Ratio of 0.18. 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 0.18. This is in the lower half of the industry: NEWTZ underperforms 75.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 |
3. Growth
3.1 Past
NEWTZ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -53.80%.
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 21.18%.
NEWTZ shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.01% yearly.
EPS 1Y (TTM)-53.8%
EPS 3Y-17.48%
EPS 5Y-3.5%
EPS Q2Q%-262.79%
Revenue 1Y (TTM)21.18%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%11.72%
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 12.02% yearly.
Based on estimates for the next years, NEWTZ will show a quite strong growth in Revenue. The Revenue will grow by 15.39% on average per year.
EPS Next Y17.38%
EPS Next 2Y9.92%
EPS Next 3Y13.7%
EPS Next 5Y12.02%
Revenue Next Year18.11%
Revenue Next 2Y15.39%
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 31.65, NEWTZ can be considered very expensive at the moment.
NEWTZ's Price/Earnings ratio is a bit more expensive when compared to the industry. NEWTZ is more expensive than 69.31% of the companies in the same industry.
NEWTZ's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.20.
NEWTZ is valuated reasonably with a Price/Forward Earnings ratio of 10.61.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NEWTZ is on the same level as its industry peers.
NEWTZ is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.71, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.65 | ||
| Fwd PE | 10.61 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NEWTZ is valued a bit cheaper than the industry average as 71.29% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.15 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as NEWTZ's earnings are expected to grow with 13.70% in the coming years.
PEG (NY)1.82
PEG (5Y)N/A
EPS Next 2Y9.92%
EPS Next 3Y13.7%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.00%, NEWTZ is a good candidate for dividend investing.
NEWTZ's Dividend Yield is rather good when compared to the industry average which is at 4.86. NEWTZ pays more dividend than 93.07% of the companies in the same industry.
NEWTZ's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8% |
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
40.47% of the earnings are spent on dividend by NEWTZ. This is a bit on the high side, but may be sustainable.
DP40.47%
EPS Next 2Y9.92%
EPS Next 3Y13.7%
NEWTEKONE INC - NEWT 5 1/2 02/01/26
NASDAQ:NEWTZ (9/16/2025, 8:00:01 PM)
25
+0.03 (+0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners43.07%
Inst Owner ChangeN/A
Ins Owners6.57%
Ins Owner ChangeN/A
Market Cap708.00M
Analysts73.33
Price Target30.64 (22.56%)
Short Float %0.01%
Short Ratio0.42
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP40.47%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-117%
Min EPS beat(2)-230.76%
Max EPS beat(2)-3.23%
EPS beat(4)2
Avg EPS beat(4)-57.52%
Min EPS beat(4)-230.76%
Max EPS beat(4)2.01%
EPS beat(8)5
Avg EPS beat(8)-23.36%
EPS beat(12)6
Avg EPS beat(12)-22.68%
EPS beat(16)9
Avg EPS beat(16)-15.28%
Revenue beat(2)1
Avg Revenue beat(2)4.91%
Min Revenue beat(2)-6.85%
Max Revenue beat(2)16.67%
Revenue beat(4)3
Avg Revenue beat(4)4.89%
Min Revenue beat(4)-6.85%
Max Revenue beat(4)16.67%
Revenue beat(8)5
Avg Revenue beat(8)2.78%
Revenue beat(12)8
Avg Revenue beat(12)11.76%
Revenue beat(16)12
Avg Revenue beat(16)41.25%
PT rev (1m)-2.24%
PT rev (3m)-0.92%
EPS NQ rev (1m)-2.71%
EPS NQ rev (3m)1.07%
EPS NY rev (1m)0.26%
EPS NY rev (3m)1.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.69%
Revenue NY rev (1m)-2.77%
Revenue NY rev (3m)-2.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.65 | ||
| Fwd PE | 10.61 | ||
| P/S | 2.54 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.27 | ||
| P/tB | 2.38 | ||
| EV/EBITDA | 10.15 |
EPS(TTM)0.79
EY3.16%
EPS(NY)2.36
Fwd EY9.42%
FCF(TTM)-13.41
FCFYN/A
OCF(TTM)-13.39
OCFYN/A
SpS9.85
BVpS11.02
TBVpS10.51
PEG (NY)1.82
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.43% | ||
| ROE | 16.57% | ||
| ROCE | 11.82% | ||
| ROIC | 4.13% | ||
| ROICexc | 4.55% | ||
| ROICexgc | 5.13% | ||
| OM | 41.07% | ||
| PM (TTM) | 18.54% | ||
| GM | 93.47% | ||
| 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 Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.58 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 15.04 | ||
| Cap/Depr | 34.93% | ||
| Cap/Sales | 0.14% | ||
| Interest Coverage | 1.3 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 | ||
| Altman-Z | 0.05 |
F-Score4
WACC7.42%
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)-53.8%
EPS 3Y-17.48%
EPS 5Y-3.5%
EPS Q2Q%-262.79%
EPS Next Y17.38%
EPS Next 2Y9.92%
EPS Next 3Y13.7%
EPS Next 5Y12.02%
Revenue 1Y (TTM)21.18%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%11.72%
Revenue Next Year18.11%
Revenue Next 2Y15.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y40%
EBIT growth 3Y3.47%
EBIT growth 5Y10.99%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-87.76%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-87.65%
OCF growth 3YN/A
OCF growth 5YN/A