24.975 USD
+0.01 (+0.02%)
Last: Jan 29, 2026, 08:00 PM
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. There are concerns on the financial health of NEWTZ while its profitability can be described as average. NEWTZ is not valued too expensively and it also shows a decent growth rate.
1. Profitability
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.
- In the past 5 years NEWTZ has always been profitable.
- In the past 5 years NEWTZ reported 4 times negative operating cash flow.
1.2 Ratios
- NEWTZ has a better Return On Assets (2.40%) than 64.95% of its industry peers.
- With a decent Return On Equity value of 14.90%, NEWTZ is doing good in the industry, outperforming 79.38% of the companies in the same industry.
- With a decent Return On Invested Capital value of 4.30%, NEWTZ is doing good in the industry, outperforming 60.82% of the companies in the same industry.
- NEWTZ had an Average Return On Invested Capital over the past 3 years of 3.79%. This is below the industry average of 8.50%.
- The 3 year average ROIC (3.79%) for NEWTZ is below the current ROIC(4.30%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
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.
- With an excellent Operating Margin value of 44.30%, NEWTZ belongs to the best of the industry, outperforming 83.51% of the companies in the same industry.
- In the last couple of years the Operating Margin of NEWTZ has declined.
- The Gross Margin of NEWTZ (93.95%) is better than 96.91% of its industry peers.
| Industry Rank | Sector 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
2. Health
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.
2.2 Solvency
- Based on the Altman-Z score of 0.05, we must say that NEWTZ is in the distress zone and has some risk of bankruptcy.
- NEWTZ's Altman-Z score of 0.05 is on the low side compared to the rest of the industry. NEWTZ is outperformed by 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.
- With a Debt to Equity ratio value of 4.98, NEWTZ is not doing good in the industry: 80.41% 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/WACC0.56
WACC7.67%
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's Current ratio of 0.15 is on the low side compared to the rest of the industry. NEWTZ is outperformed by 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.
- With a Quick ratio value of 0.15, NEWTZ is not doing good in the industry: 71.13% of the companies in the same industry are doing better.
| 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 -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.
- Looking at the last year, NEWTZ shows a quite strong growth in Revenue. The Revenue has grown by 13.34% in the last year.
- NEWTZ shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 24.47% yearly.
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%-4.61%
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 13.03% on average per year.
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.
- 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
- A Price/Earnings ratio of 25.75 indicates a quite expensive valuation of NEWTZ.
- NEWTZ's Price/Earnings ratio is a bit more expensive when compared to the industry. NEWTZ is more expensive than 61.86% of the companies in the same industry.
- NEWTZ's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 28.32.
- The Price/Forward Earnings ratio is 10.63, which indicates a very decent valuation of NEWTZ.
- The rest of the industry has a similar Price/Forward Earnings ratio as NEWTZ.
- NEWTZ is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.75 | ||
| Fwd PE | 10.63 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, NEWTZ is valued a bit cheaper than 68.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.9 |
4.3 Compensation for Growth
- The 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 2Y59.93%
EPS Next 3Y46.82%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.63%, NEWTZ is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 1.98, NEWTZ pays a better dividend. On top of this NEWTZ pays more dividend than 89.69% of the companies listed in the same industry.
- NEWTZ's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.63% |
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 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.