13.37 USD
-0.07 (-0.52%)
Last: Feb 3, 2026, 01:00 PM
We assign a fundamental rating of 4 out of 10 to NEWT. NEWT was compared to 97 industry peers in the Financial Services industry. While NEWT is still in line with the averages on profitability rating, there are concerns on its financial health. NEWT may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
- NEWT had positive earnings in the past year.
- NEWT had a negative operating cash flow in the past year.
- Each year in the past 5 years NEWT has been profitable.
- NEWT had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 2.40%, NEWT is in the better half of the industry, outperforming 65.98% of the companies in the same industry.
- The Return On Equity of NEWT (14.90%) is better than 80.41% of its industry peers.
- NEWT's Return On Invested Capital of 4.30% is fine compared to the rest of the industry. NEWT outperforms 61.86% of its industry peers.
- NEWT 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 NEWT 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%, NEWT is in the better half of the industry, outperforming 77.32% of the companies in the same industry.
- In the last couple of years the Profit Margin of NEWT has declined.
- Looking at the Operating Margin, with a value of 44.30%, NEWT belongs to the top of the industry, outperforming 84.54% of the companies in the same industry.
- NEWT's Operating Margin has declined in the last couple of years.
- Looking at the Gross Margin, with a value of 93.95%, NEWT belongs to the top of the industry, outperforming 97.94% of the companies in the same industry.
| 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NEWT is destroying value.
- The number of shares outstanding for NEWT has been increased compared to 1 year ago.
- NEWT has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, NEWT has about the same debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of -0.05, we must say that NEWT is in the distress zone and has some risk of bankruptcy.
- NEWT has a worse Altman-Z score (-0.05) than 63.92% of its industry peers.
- A Debt/Equity ratio of 4.98 is on the high side and indicates that NEWT has dependencies on debt financing.
- The Debt to Equity ratio of NEWT (4.98) is worse than 79.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.05 |
ROIC/WACC0.63
WACC6.88%
2.3 Liquidity
- A Current Ratio of 0.15 indicates that NEWT may have some problems paying its short term obligations.
- With a Current ratio value of 0.15, NEWT is not doing good in the industry: 70.10% of the companies in the same industry are doing better.
- NEWT has a Quick Ratio of 0.15. This is a bad value and indicates that NEWT is not financially healthy enough and could expect problems in meeting its short term obligations.
- NEWT has a worse Quick ratio (0.15) than 70.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 |
3. Growth
3.1 Past
- NEWT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -50.26%.
- The earnings per share for NEWT have been decreasing by -13.98% on average. This is quite bad
- NEWT 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
- NEWT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 46.82% yearly.
- NEWT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.03% yearly.
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
- The Price/Earnings ratio is 13.78, which indicates a correct valuation of NEWT.
- The rest of the industry has a similar Price/Earnings ratio as NEWT.
- Compared to an average S&P500 Price/Earnings ratio of 28.41, NEWT is valued rather cheaply.
- With a Price/Forward Earnings ratio of 5.69, the valuation of NEWT can be described as very cheap.
- Based on the Price/Forward Earnings ratio, NEWT is valued cheaper than 86.60% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.64. NEWT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.78 | ||
| Fwd PE | 5.69 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NEWT indicates a rather cheap valuation: NEWT is cheaper than 81.44% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 7.25 |
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.
- The decent profitability rating of NEWT may justify a higher PE ratio.
- A more expensive valuation may be justified as NEWT's earnings are expected to grow with 46.82% in the coming years.
PEG (NY)0.1
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%, NEWT is a good candidate for dividend investing.
- NEWT's Dividend Yield is rather good when compared to the industry average which is at 1.99. NEWT pays more dividend than 88.66% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, NEWT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.63% |
5.2 History
- The dividend of NEWT decreases each year by -17.44%.
- NEWT has been paying a dividend for at least 10 years, so it has a reliable track record.
- NEWT has decreased its dividend recently.
Dividend Growth(5Y)-17.44%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- 37.16% of the earnings are spent on dividend by NEWT. This is a low number and sustainable payout ratio.
DP37.16%
EPS Next 2Y59.93%
EPS Next 3Y46.82%
NASDAQ:NEWT (2/3/2026, 1:00:32 PM)
13.37
-0.07 (-0.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29 2026-01-29/amc
Earnings (Next)05-04 2026-05-04
Inst Owners44.09%
Inst Owner Change-0.31%
Ins Owners6.04%
Ins Owner Change1.84%
Market Cap413.00M
Revenue(TTM)309.46M
Net Income(TTM)57.62M
Analysts73.85
Price Target16.93 (26.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.63% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP37.16%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
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)9.93%
PT rev (3m)9.93%
EPS NQ rev (1m)0.15%
EPS NQ rev (3m)-4.68%
EPS NY rev (1m)-0.18%
EPS NY rev (3m)-0.76%
Revenue NQ rev (1m)1.18%
Revenue NQ rev (3m)-1.04%
Revenue NY rev (1m)0.68%
Revenue NY rev (3m)-1.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.78 | ||
| Fwd PE | 5.69 | ||
| P/S | 1.37 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.07 | ||
| P/tB | 1.11 | ||
| EV/EBITDA | 7.25 |
EPS(TTM)0.97
EY7.26%
EPS(NY)2.35
Fwd EY17.57%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)0.1
PEG (5Y)N/A
Graham Number16.53
Profitability
| Industry Rank | Sector 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 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-Score4
WACC6.88%
ROIC/WACC0.63
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 Y142.21%
EPS Next 2Y59.93%
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 Year12.88%
Revenue Next 2Y13.03%
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 FAQ
Can you provide the ChartMill fundamental rating for NEWTEKONE INC?
ChartMill assigns a fundamental rating of 4 / 10 to NEWT.
Can you provide the valuation status for NEWTEKONE INC?
ChartMill assigns a valuation rating of 7 / 10 to NEWTEKONE INC (NEWT). This can be considered as Undervalued.
Can you provide the profitability details for NEWTEKONE INC?
NEWTEKONE INC (NEWT) has a profitability rating of 6 / 10.
What is the financial health of NEWTEKONE INC (NEWT) stock?
The financial health rating of NEWTEKONE INC (NEWT) is 0 / 10.
How sustainable is the dividend of NEWTEKONE INC (NEWT) stock?
The dividend rating of NEWTEKONE INC (NEWT) is 6 / 10 and the dividend payout ratio is 37.16%.