25.09 USD
+0 (+0.02%)
Taking everything into account, NEWTZ scores 4 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. 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.
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
NEWTZ has a better Return On Assets (2.40%) than 62.89% of its industry peers.
With a decent Return On Equity value of 14.90%, NEWTZ is doing good in the industry, outperforming 77.32% of the companies in the same industry.
NEWTZ has a Return On Invested Capital of 4.26%. This is comparable to the rest of the industry: NEWTZ outperforms 58.76% of its industry peers.
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
With a decent Profit Margin value of 19.15%, NEWTZ is doing good in the industry, outperforming 74.23% of the companies in the same industry.
NEWTZ's Profit Margin has declined in the last couple of years.
NEWTZ's Operating Margin of 44.30% is amongst the best of the industry. NEWTZ outperforms 81.44% of its industry peers.
In the last couple of years the Operating Margin of NEWTZ has declined.
With an excellent Gross Margin value of 93.95%, NEWTZ belongs to the best of the industry, outperforming 94.85% 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
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.
The number of shares outstanding for NEWTZ has been increased compared to 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 0.05. This is a bad value and indicates that NEWTZ is not financially healthy and even has some risk of bankruptcy.
NEWTZ's Altman-Z score of 0.05 is in line compared to the rest of the industry. NEWTZ outperforms 40.21% of its industry peers.
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: 83.51% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.05 |
ROIC/WACC0.73
WACC5.85%
2.3 Liquidity
A Current Ratio of 0.15 indicates that NEWTZ may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.15, NEWTZ is doing worse than 76.29% of the companies in the same industry.
A Quick Ratio of 0.15 indicates that NEWTZ may have some problems paying its short term obligations.
NEWTZ has a worse Quick ratio (0.15) than 76.29% 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%.
The Earnings Per Share has been decreasing by -3.50% on average over the past years.
The Revenue has grown by 22.63% in the past year. This is a very strong growth!
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
Based on estimates for the next years, NEWTZ will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.02% on average per year.
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 Y15.47%
EPS Next 2Y7.52%
EPS Next 3Y7.01%
EPS Next 5Y12.02%
Revenue Next Year15.78%
Revenue Next 2Y14.16%
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 24.84, which indicates a rather expensive current valuation of NEWTZ.
Based on the Price/Earnings ratio, NEWTZ is valued a bit more expensive than 63.92% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.59. NEWTZ is around the same levels.
NEWTZ is valuated reasonably with a Price/Forward Earnings ratio of 11.13.
NEWTZ's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of NEWTZ to the average of the S&P500 Index (23.80), we can say NEWTZ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.84 | ||
| Fwd PE | 11.13 |
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 | 9.93 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.61
PEG (5Y)N/A
EPS Next 2Y7.52%
EPS Next 3Y7.01%
5. Dividend
5.1 Amount
NEWTZ has a Yearly Dividend Yield of 5.49%, which is a nice return.
NEWTZ's Dividend Yield is rather good when compared to the industry average which is at 3.96. NEWTZ pays more dividend than 91.75% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, NEWTZ pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
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 2Y7.52%
EPS Next 3Y7.01%
NEWTEKONE INC - NEWT 5 1/2 02/01/26
NASDAQ:NEWTZ (12/10/2025, 8:08:15 PM)
25.09
+0 (+0.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners43.67%
Inst Owner ChangeN/A
Ins Owners6.03%
Ins Owner ChangeN/A
Market Cap775.03M
Revenue(TTM)300.92M
Net Income(TTM)57.62M
Analysts73.85
Price Target34.36 (36.95%)
Short Float %0.01%
Short Ratio0.14
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP37.16%
Div Incr Years0
Div Non Decr Years3
Ex-Date
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)-3.1%
PT rev (3m)15.52%
EPS NQ rev (1m)-0.89%
EPS NQ rev (3m)-9.43%
EPS NY rev (1m)-0.64%
EPS NY rev (3m)-1.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.84 | ||
| Fwd PE | 11.13 | ||
| P/S | 2.58 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2 | ||
| P/tB | 2.08 | ||
| EV/EBITDA | 9.93 |
EPS(TTM)1.01
EY4.03%
EPS(NY)2.25
Fwd EY8.98%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)1.61
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 | 0.05 |
F-Score3
WACC5.85%
ROIC/WACC0.73
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 Y15.47%
EPS Next 2Y7.52%
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 Year15.78%
Revenue Next 2Y14.16%
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.
Can you provide the valuation status for NEWTEKONE INC - NEWT 5 1/2 02/01/26?
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 24.84 and the Price/Book (PB) ratio is 2.
What is the financial health of NEWTEKONE INC - NEWT 5 1/2 02/01/26 (NEWTZ) stock?
The financial health rating of NEWTEKONE INC - NEWT 5 1/2 02/01/26 (NEWTZ) is 0 / 10.