25.1947 USD
+0 (+0.02%)
Overall NEWTZ gets a fundamental rating of 4 out of 10. We evaluated NEWTZ against 98 industry peers in the Financial Services industry. There are concerns on the financial health of NEWTZ while its profitability can be described as average. NEWTZ is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year NEWTZ was profitable.
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
With a decent Return On Assets value of 2.40%, NEWTZ is doing good in the industry, outperforming 65.31% of the companies in the same industry.
NEWTZ has a Return On Equity of 14.90%. This is in the better half of the industry: NEWTZ outperforms 78.57% of its industry peers.
With a decent Return On Invested Capital value of 4.26%, NEWTZ is doing good in the industry, outperforming 60.20% of the companies in the same industry.
NEWTZ had an Average Return On Invested Capital over the past 3 years of 4.45%. This 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
NEWTZ has a Profit Margin of 19.15%. This is in the better half of the industry: NEWTZ outperforms 75.51% of its industry peers.
NEWTZ's Profit Margin has declined in the last couple of years.
The Operating Margin of NEWTZ (44.30%) is better than 82.65% 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 95.92% 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.
NEWTZ has more shares outstanding than it did 1 year ago.
NEWTZ has more shares outstanding than it did 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 0.06. This is a bad value and indicates that NEWTZ is not financially healthy and even has some risk of bankruptcy.
NEWTZ has a Altman-Z score (0.06) which is comparable to the rest of the industry.
NEWTZ has a Debt/Equity ratio of 4.98. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 4.98, NEWTZ is not doing good in the industry: 81.63% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.06 |
ROIC/WACC0.55
WACC7.68%
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 71.43% of its industry peers.
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 71.43% 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.
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
The Earnings Per Share is expected to grow by 12.02% on average over the next years. This is quite good.
NEWTZ is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.61% yearly.
EPS Next Y16.44%
EPS Next 2Y8.49%
EPS Next 3Y7.01%
EPS Next 5Y12.02%
Revenue Next Year15.81%
Revenue Next 2Y14.02%
Revenue Next 3Y13.61%
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
The Price/Earnings ratio is 24.95, which indicates a rather expensive current valuation of NEWTZ.
Based on the Price/Earnings ratio, NEWTZ is valued a bit more expensive than the industry average as 61.22% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of NEWTZ to the average of the S&P500 Index (26.60), we can say NEWTZ is valued inline with the index average.
With a Price/Forward Earnings ratio of 10.98, the valuation of NEWTZ can be described as very reasonable.
NEWTZ's Price/Forward Earnings ratio is in line with the industry average.
NEWTZ's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.95 | ||
| Fwd PE | 10.98 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NEWTZ is valued a bit cheaper than the industry average as 68.37% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.95 |
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)1.52
PEG (5Y)N/A
EPS Next 2Y8.49%
EPS Next 3Y7.01%
5. Dividend
5.1 Amount
NEWTZ has a Yearly Dividend Yield of 6.70%, which is a nice return.
NEWTZ's Dividend Yield is rather good when compared to the industry average which is at 2.35. NEWTZ pays more dividend than 89.80% of the companies in the same industry.
NEWTZ's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.7% |
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 2Y8.49%
EPS Next 3Y7.01%
NEWTEKONE INC - NEWT 5 1/2 02/01/26
NASDAQ:NEWTZ (1/2/2026, 8:00:01 PM)
25.1947
+0 (+0.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners44.09%
Inst Owner ChangeN/A
Ins Owners6.04%
Ins Owner ChangeN/A
Market Cap778.26M
Revenue(TTM)300.92M
Net Income(TTM)57.62M
Analysts73.85
Price Target31.64 (25.58%)
Short Float %0.01%
Short Ratio0.16
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.7% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP37.16%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
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)-17.23%
PT rev (3m)-2.15%
EPS NQ rev (1m)2.39%
EPS NQ rev (3m)-4.82%
EPS NY rev (1m)0.84%
EPS NY rev (3m)-0.58%
Revenue NQ rev (1m)0.33%
Revenue NQ rev (3m)-2.19%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)-2.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.95 | ||
| Fwd PE | 10.98 | ||
| P/S | 2.59 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.01 | ||
| P/tB | 2.09 | ||
| EV/EBITDA | 9.95 |
EPS(TTM)1.01
EY4.01%
EPS(NY)2.3
Fwd EY9.11%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)1.52
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 | 0.06 |
F-Score3
WACC7.68%
ROIC/WACC0.55
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 Year15.81%
Revenue Next 2Y14.02%
Revenue Next 3Y13.61%
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 24.95 and the Price/Book (PB) ratio is 2.01.
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.