NEWTEKONE INC - NEWT 5 1/2 02/01/26 (NEWTZ) Fundamental Analysis & Valuation

NASDAQ:NEWTZ • US6525267083

Current stock price

24.975 USD
+0.01 (+0.02%)
Last:

This NEWTZ fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. NEWTZ Profitability Analysis

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.
  • NEWTZ had positive earnings in each of the past 5 years.
  • NEWTZ had negative operating cash flow in 4 of the past 5 years.
NEWTZ Yearly Net Income VS EBIT VS OCF VS FCFNEWTZ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M -150M

1.2 Ratios

  • The Return On Assets of NEWTZ (2.40%) is better than 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 4.30% is fine compared to the rest of the industry. NEWTZ outperforms 60.82% of its industry peers.
  • NEWTZ had an Average Return On Invested Capital over the past 3 years of 3.79%. This is below the industry average of 8.14%.
  • The last Return On Invested Capital (4.30%) for NEWTZ is above the 3 year average (3.79%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 2.4%
ROE 14.9%
ROIC 4.3%
ROA(3y)2.57%
ROA(5y)3.78%
ROE(3y)16.56%
ROE(5y)15.82%
ROIC(3y)3.79%
ROIC(5y)5.19%
NEWTZ Yearly ROA, ROE, ROICNEWTZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • Looking at the Profit Margin, with a value of 19.15%, NEWTZ is in the better half of the industry, outperforming 76.29% 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 83.51% of its industry peers.
  • In the last couple of years the Operating Margin of NEWTZ has declined.
  • 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 RankSector Rank
OM 44.3%
PM (TTM) 19.15%
GM 93.95%
OM growth 3Y-4.87%
OM growth 5Y-4.75%
PM growth 3Y-5.91%
PM growth 5Y-10.33%
GM growth 3YN/A
GM growth 5YN/A
NEWTZ Yearly Profit, Operating, Gross MarginsNEWTZ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. NEWTZ Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NEWTZ is destroying value.
  • The number of shares outstanding for NEWTZ has been increased compared to 1 year ago.
  • NEWTZ has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, NEWTZ has about the same debt to assets ratio.
NEWTZ Yearly Shares OutstandingNEWTZ Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
NEWTZ Yearly Total Debt VS Total AssetsNEWTZ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

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.
  • The Altman-Z score of NEWTZ (0.05) is worse than 61.86% of its industry peers.
  • 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 RankSector Rank
Debt/Equity 4.98
Debt/FCF N/A
Altman-Z 0.05
ROIC/WACC0.56
WACC7.62%
NEWTZ Yearly LT Debt VS Equity VS FCFNEWTZ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M 800M

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.
  • NEWTZ has a worse Current ratio (0.15) than 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 worse Quick ratio (0.15) than 71.13% of its industry peers.
Industry RankSector Rank
Current Ratio 0.15
Quick Ratio 0.15
NEWTZ Yearly Current Assets VS Current LiabilitesNEWTZ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. NEWTZ Growth Analysis

3.1 Past

  • NEWTZ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -50.26%.
  • NEWTZ shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.98% yearly.
  • NEWTZ shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.34%.
  • The Revenue has been growing by 24.47% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-50.26%
EPS 3Y-23.3%
EPS 5Y-13.98%
EPS Q2Q%-5.8%
Revenue 1Y (TTM)13.34%
Revenue growth 3Y29.32%
Revenue growth 5Y24.47%
Sales Q2Q%-4.6%

3.2 Future

  • NEWTZ is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 46.82% yearly.
  • Based on estimates for the next years, NEWTZ will show a quite strong growth in Revenue. The Revenue will grow by 13.39% on average per year.
EPS Next Y145.01%
EPS Next 2Y60.51%
EPS Next 3Y46.82%
EPS Next 5YN/A
Revenue Next Year13.85%
Revenue Next 2Y13.39%
Revenue Next 3YN/A
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.
NEWTZ Yearly Revenue VS EstimatesNEWTZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
NEWTZ Yearly EPS VS EstimatesNEWTZ Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3

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4

4. NEWTZ Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 25.75 indicates a quite expensive valuation of NEWTZ.
  • Based on the Price/Earnings ratio, NEWTZ is valued a bit more expensive than 62.89% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of NEWTZ to the average of the S&P500 Index (25.23), we can say NEWTZ is valued inline with the index average.
  • NEWTZ is valuated reasonably with a Price/Forward Earnings ratio of 10.51.
  • NEWTZ's Price/Forward Earnings is on the same level as the industry average.
  • NEWTZ's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.42.
Industry RankSector Rank
PE 25.75
Fwd PE 10.51
NEWTZ Price Earnings VS Forward Price EarningsNEWTZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, NEWTZ is valued a bit cheaper than the industry average as 70.10% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 9.9
NEWTZ Per share dataNEWTZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 -10 -15

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.
  • A more expensive valuation may be justified as NEWTZ's earnings are expected to grow with 46.82% in the coming years.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y60.51%
EPS Next 3Y46.82%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. NEWTZ Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.61%, NEWTZ is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.53, NEWTZ pays a better dividend. On top of this NEWTZ pays more dividend than 88.66% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, NEWTZ pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.61%

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
NEWTZ Yearly Dividends per shareNEWTZ Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • NEWTZ pays out 37.16% of its income as dividend. This is a sustainable payout ratio.
DP37.16%
EPS Next 2Y60.51%
EPS Next 3Y46.82%
NEWTZ Yearly Income VS Free CF VS DividendNEWTZ Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M -150M
NEWTZ Dividend Payout.NEWTZ Dividend Payout, showing the Payout Ratio.NEWTZ Dividend Payout.PayoutRetained Earnings

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NEWTZ Fundamentals: All Metrics, Ratios and Statistics

NEWTEKONE INC - NEWT 5 1/2 02/01/26

NASDAQ:NEWTZ (1/29/2026, 8:00:02 PM)

24.975

+0.01 (+0.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)05-04
Inst Owners44.09%
Inst Owner ChangeN/A
Ins Owners6.04%
Ins Owner ChangeN/A
Market Cap771.48M
Revenue(TTM)309.46M
Net Income(TTM)57.62M
Analysts73.85
Price Target30.71 (22.96%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.61%
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP37.16%
Div Incr Years0
Div Non Decr Years3
Ex-Date01-15
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)-2.92%
PT rev (3m)-13.38%
EPS NQ rev (1m)0.15%
EPS NQ rev (3m)1.62%
EPS NY rev (1m)3.56%
EPS NY rev (3m)1.67%
Revenue NQ rev (1m)1.18%
Revenue NQ rev (3m)1.52%
Revenue NY rev (1m)2.11%
Revenue NY rev (3m)1.88%
Valuation
Industry RankSector Rank
PE 25.75
Fwd PE 10.51
P/S 2.56
P/FCF N/A
P/OCF N/A
P/B 1.99
P/tB 2.07
EV/EBITDA 9.9
EPS(TTM)0.97
EY3.88%
EPS(NY)2.38
Fwd EY9.52%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)0.18
PEG (5Y)N/A
Graham Number16.53
Profitability
Industry RankSector Rank
ROA 2.4%
ROE 14.9%
ROCE 11.69%
ROIC 4.3%
ROICexc 4.69%
ROICexgc 5.26%
OM 44.3%
PM (TTM) 19.15%
GM 93.95%
FCFM N/A
ROA(3y)2.57%
ROA(5y)3.78%
ROE(3y)16.56%
ROE(5y)15.82%
ROIC(3y)3.79%
ROIC(5y)5.19%
ROICexc(3y)4.39%
ROICexc(5y)5.63%
ROICexgc(3y)4.84%
ROICexgc(5y)7.65%
ROCE(3y)9.67%
ROCE(5y)9.69%
ROICexgc growth 3Y-22.07%
ROICexgc growth 5Y-10.94%
ROICexc growth 3Y-11.48%
ROICexc growth 5Y-4.52%
OM growth 3Y-4.87%
OM growth 5Y-4.75%
PM growth 3Y-5.91%
PM growth 5Y-10.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.13
Health
Industry RankSector 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-Score4
WACC7.62%
ROIC/WACC0.56
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-50.26%
EPS 3Y-23.3%
EPS 5Y-13.98%
EPS Q2Q%-5.8%
EPS Next Y145.01%
EPS Next 2Y60.51%
EPS Next 3Y46.82%
EPS Next 5YN/A
Revenue 1Y (TTM)13.34%
Revenue growth 3Y29.32%
Revenue growth 5Y24.47%
Sales Q2Q%-4.6%
Revenue Next Year13.85%
Revenue Next 2Y13.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y43.89%
EBIT growth 3Y23.02%
EBIT growth 5Y18.55%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-536.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-540.25%
OCF growth 3YN/A
OCF growth 5YN/A

NEWTEKONE INC - NEWT 5 1/2 02/01/26 / NEWTZ Fundamental Analysis 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 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 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 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.