NEWTEKONE INC - NEWT 5 1/2 02/01/26 (NEWTZ) Stock Fundamental Analysis
USA - NASDAQ:NEWTZ - US6525267083
24.92 USD
-0.02 (-0.08%)
Taking everything into account, NEWTZ scores 4 out of 10 in our fundamental rating. NEWTZ was compared to 99 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 valied quite expensively at the moment, while 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.
In multiple years NEWTZ reported negative operating cash flow during the last 5 years.
1.2 Ratios
With a decent Return On Assets value of 2.43%, NEWTZ is doing good in the industry, outperforming 66.67% of the companies in the same industry.
NEWTZ has a Return On Equity of 16.57%. This is amongst the best in the industry. NEWTZ outperforms 82.83% of its industry peers.
The Return On Invested Capital of NEWTZ (4.13%) is comparable to the rest of the industry.
NEWTZ had an Average Return On Invested Capital over the past 3 years of 4.45%. This is below the industry average of 8.15%.
| 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 Profit Margin of 18.54%. This is in the better half of the industry: NEWTZ outperforms 75.76% of its industry peers.
In the last couple of years the Profit Margin of NEWTZ has declined.
NEWTZ's Operating Margin of 41.07% is amongst the best of the industry. NEWTZ outperforms 80.81% of its industry peers.
NEWTZ's Operating Margin has declined in the last couple of years.
NEWTZ has a better Gross Margin (93.47%) than 96.97% 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NEWTZ is destroying value.
The number of shares outstanding for NEWTZ has been increased compared to 1 year ago.
Compared to 5 years ago, NEWTZ has more shares outstanding
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.
The Altman-Z score of NEWTZ (0.05) is worse than 62.63% 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.
NEWTZ has a worse Debt to Equity ratio (5.58) than 79.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.58 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.05 |
ROIC/WACC0.72
WACC5.74%
2.3 Liquidity
A Current Ratio of 0.18 indicates that NEWTZ may have some problems paying its short term obligations.
NEWTZ has a worse Current ratio (0.18) than 72.73% of its industry peers.
A Quick Ratio of 0.18 indicates that NEWTZ may have some problems paying its short term obligations.
The Quick ratio of NEWTZ (0.18) is worse than 72.73% 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 -43.58%.
NEWTZ shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.50% yearly.
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
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.
Based on estimates for the next years, NEWTZ will show a quite strong growth in Revenue. The Revenue will grow by 13.61% on average per year.
EPS Next Y16.21%
EPS Next 2Y9.49%
EPS Next 3Y7.84%
EPS Next 5Y12.02%
Revenue Next Year15.78%
Revenue Next 2Y14.16%
Revenue Next 3Y13.61%
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.
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 24.67 indicates a rather expensive valuation of NEWTZ.
Based on the Price/Earnings ratio, NEWTZ is valued a bit more expensive than 62.63% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.56. NEWTZ is around the same levels.
With a Price/Forward Earnings ratio of 10.66, the valuation of NEWTZ can be described as very reasonable.
NEWTZ's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 34.62. NEWTZ is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.67 | ||
| Fwd PE | 10.66 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NEWTZ is valued a bit cheaper than 68.69% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.15 |
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)1.52
PEG (5Y)N/A
EPS Next 2Y9.49%
EPS Next 3Y7.84%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.56%, NEWTZ is a good candidate for dividend investing.
NEWTZ's Dividend Yield is rather good when compared to the industry average which is at 4.67. NEWTZ pays more dividend than 89.90% of the companies in the same industry.
NEWTZ's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.56% |
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
NEWTZ pays out 40.47% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP40.47%
EPS Next 2Y9.49%
EPS Next 3Y7.84%
NEWTEKONE INC - NEWT 5 1/2 02/01/26
NASDAQ:NEWTZ (11/18/2025, 1:58:06 PM)
24.92
-0.02 (-0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners47.38%
Inst Owner ChangeN/A
Ins Owners6.58%
Ins Owner ChangeN/A
Market Cap705.73M
Revenue(TTM)300.92M
Net Income(TTM)51.73M
Analysts73.85
Price Target37.37 (49.96%)
Short Float %0.01%
Short Ratio0.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.56% |
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)15.6%
PT rev (3m)19.25%
EPS NQ rev (1m)-1.09%
EPS NQ rev (3m)-3.25%
EPS NY rev (1m)-0.77%
EPS NY rev (3m)-0.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-2.33%
Revenue NY rev (3m)-4.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.67 | ||
| Fwd PE | 10.66 | ||
| P/S | 2.53 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.26 | ||
| P/tB | 2.37 | ||
| EV/EBITDA | 10.15 |
EPS(TTM)1.01
EY4.05%
EPS(NY)2.34
Fwd EY9.38%
FCF(TTM)-13.41
FCFYN/A
OCF(TTM)-13.39
OCFYN/A
SpS9.85
BVpS11.02
TBVpS10.51
PEG (NY)1.52
PEG (5Y)N/A
Graham Number15.83
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%
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-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
WACC5.74%
ROIC/WACC0.72
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 Y16.21%
EPS Next 2Y9.49%
EPS Next 3Y7.84%
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 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
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 24.67 and the Price/Book (PB) ratio is 2.26.
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.