24.9 USD
-0.07 (-0.28%)
24.92 USD
+0.02 (+0.08%)
NEWTZ gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals 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. 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.
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
The Return On Assets of NEWTZ (2.40%) is better than 64.29% of its industry peers.
The Return On Equity of NEWTZ (14.90%) is better than 79.59% of its industry peers.
NEWTZ's Return On Invested Capital of 4.26% is in line compared to the rest of the industry. NEWTZ outperforms 58.16% 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 8.20%.
| 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
Looking at the Profit Margin, with a value of 19.15%, NEWTZ is in the better half of the industry, outperforming 76.53% of the companies in the same industry.
NEWTZ's Profit Margin has declined in the last couple of years.
The Operating Margin of NEWTZ (44.30%) is better than 83.67% of its industry peers.
NEWTZ's Operating Margin has declined in the last couple of years.
NEWTZ has a better Gross Margin (93.95%) than 96.94% 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NEWTZ is destroying value.
Compared to 1 year ago, NEWTZ has more shares outstanding
The number of shares outstanding for NEWTZ has been increased compared to 5 years ago.
NEWTZ has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.03, we must say that NEWTZ is in the distress zone and has some risk of bankruptcy.
NEWTZ has a Altman-Z score of 0.03. This is in the lower half of the industry: NEWTZ underperforms 63.27% 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.
Looking at the Debt to Equity ratio, with a value of 4.98, NEWTZ is doing worse than 80.61% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.03 |
ROIC/WACC0.75
WACC5.7%
2.3 Liquidity
A Current Ratio of 0.15 indicates that NEWTZ may have some problems paying 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 73.47% 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.
The Quick ratio of NEWTZ (0.15) is worse than 73.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 |
3. Growth
3.1 Past
The earnings per share for NEWTZ have decreased strongly by -43.58% in the last year.
The Earnings Per Share has been decreasing by -3.50% on average over the past years.
NEWTZ shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.63%.
The Revenue has been growing by 20.01% on average over the past years. This is a very strong growth!
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 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
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
Based on the Price/Earnings ratio of 24.65, the valuation of NEWTZ can be described as rather expensive.
62.24% of the companies in the same industry are cheaper than NEWTZ, based on the Price/Earnings ratio.
NEWTZ's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.31.
A Price/Forward Earnings ratio of 10.65 indicates a reasonable valuation of NEWTZ.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NEWTZ is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 36.59. NEWTZ is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.65 | ||
| Fwd PE | 10.65 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NEWTZ indicates a somewhat cheap valuation: NEWTZ is cheaper than 70.41% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.42 |
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
NEWTZ has a Yearly Dividend Yield of 7.24%, which is a nice return.
NEWTZ's Dividend Yield is rather good when compared to the industry average which is at 5.20. NEWTZ pays more dividend than 90.82% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, NEWTZ pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.24% |
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 37.16% of its income as dividend. This is a sustainable payout ratio.
DP37.16%
EPS Next 2Y9.49%
EPS Next 3Y7.84%
NEWTEKONE INC - NEWT 5 1/2 02/01/26
NASDAQ:NEWTZ (11/28/2025, 7:50:48 PM)
After market: 24.92 +0.02 (+0.08%)24.9
-0.07 (-0.28%)
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 Cap769.16M
Revenue(TTM)300.92M
Net Income(TTM)57.62M
Analysts73.85
Price Target38.22 (53.49%)
Short Float %0.01%
Short Ratio0.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.24% |
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)18.22%
PT rev (3m)28.52%
EPS NQ rev (1m)-6.2%
EPS NQ rev (3m)-6.31%
EPS NY rev (1m)-0.77%
EPS NY rev (3m)-1%
Revenue NQ rev (1m)-2.52%
Revenue NQ rev (3m)-2.04%
Revenue NY rev (1m)-2.33%
Revenue NY rev (3m)-1.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.65 | ||
| Fwd PE | 10.65 | ||
| P/S | 2.34 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.82 | ||
| P/tB | 1.9 | ||
| EV/EBITDA | 9.42 |
EPS(TTM)1.01
EY4.06%
EPS(NY)2.34
Fwd EY9.39%
FCF(TTM)-18.4
FCFYN/A
OCF(TTM)-18.39
OCFYN/A
SpS10.63
BVpS13.65
TBVpS13.14
PEG (NY)1.52
PEG (5Y)N/A
Graham Number17.62
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 | 0.03 |
F-Score3
WACC5.7%
ROIC/WACC0.75
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 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 24.65 and the Price/Book (PB) ratio is 1.82.
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.