NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) Stock Fundamental Analysis
USA - NASDAQ:NEWTG - US6525268800
25 USD
-0.12 (-0.48%)
Taking everything into account, NEWTG scores 3 out of 10 in our fundamental rating. NEWTG was compared to 99 industry peers in the Financial Services industry. There are concerns on the financial health of NEWTG while its profitability can be described as average. NEWTG is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year NEWTG was profitable.
In the past year NEWTG has reported a negative cash flow from operations.
Each year in the past 5 years NEWTG has been profitable.
In multiple years NEWTG reported negative operating cash flow during the last 5 years.
1.2 Ratios
NEWTG has a Return On Assets of 2.43%. This is in the better half of the industry: NEWTG outperforms 60.61% of its industry peers.
NEWTG's Return On Equity of 16.57% is amongst the best of the industry. NEWTG outperforms 80.81% of its industry peers.
NEWTG has a Return On Invested Capital (4.13%) which is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for NEWTG is below the industry average of 7.66%.
| 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
The Profit Margin of NEWTG (18.54%) is better than 71.72% of its industry peers.
NEWTG's Profit Margin has declined in the last couple of years.
NEWTG has a better Operating Margin (41.07%) than 77.78% of its industry peers.
In the last couple of years the Operating Margin of NEWTG has declined.
The Gross Margin of NEWTG (93.47%) is better than 94.95% 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NEWTG is destroying value.
Compared to 1 year ago, NEWTG has more shares outstanding
Compared to 5 years ago, NEWTG has more shares outstanding
NEWTG has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.06, we must say that NEWTG is in the distress zone and has some risk of bankruptcy.
NEWTG has a Altman-Z score of 0.06. This is in the lower half of the industry: NEWTG underperforms 60.61% of its industry peers.
A Debt/Equity ratio of 5.58 is on the high side and indicates that NEWTG has dependencies on debt financing.
NEWTG has a Debt to Equity ratio of 5.58. This is amonst the worse of the industry: NEWTG underperforms 82.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.58 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.06 |
ROIC/WACC0.72
WACC5.75%
2.3 Liquidity
NEWTG has a Current Ratio of 0.18. This is a bad value and indicates that NEWTG is not financially healthy enough and could expect problems in meeting its short term obligations.
NEWTG has a Current ratio of 0.18. This is in the lower half of the industry: NEWTG underperforms 75.76% of its industry peers.
A Quick Ratio of 0.18 indicates that NEWTG may have some problems paying its short term obligations.
With a Quick ratio value of 0.18, NEWTG is not doing good in the industry: 75.76% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 |
3. Growth
3.1 Past
NEWTG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -53.80%.
Measured over the past years, NEWTG shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.50% on average per year.
Looking at the last year, NEWTG shows a very strong growth in Revenue. The Revenue has grown by 21.18%.
Measured over the past years, NEWTG shows a very strong growth in Revenue. The Revenue has been growing by 20.01% on average per year.
EPS 1Y (TTM)-53.8%
EPS 3Y-17.48%
EPS 5Y-3.5%
EPS Q2Q%-262.79%
Revenue 1Y (TTM)21.18%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%11.72%
3.2 Future
The Earnings Per Share is expected to grow by 12.02% on average over the next years. This is quite good.
Based on estimates for the next years, NEWTG will show a quite strong growth in Revenue. The Revenue will grow by 13.38% on average per year.
EPS Next Y17.12%
EPS Next 2Y9.35%
EPS Next 3Y7.27%
EPS Next 5Y12.02%
Revenue Next Year18.54%
Revenue Next 2Y15.43%
Revenue Next 3Y13.38%
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
Based on the Price/Earnings ratio of 31.65, the valuation of NEWTG can be described as expensive.
Based on the Price/Earnings ratio, NEWTG is valued a bit more expensive than 69.70% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.02, NEWTG is valued at the same level.
NEWTG is valuated reasonably with a Price/Forward Earnings ratio of 10.72.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NEWTG is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.57, NEWTG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.65 | ||
| Fwd PE | 10.72 |
4.2 Price Multiples
69.70% of the companies in the same industry are more expensive than NEWTG, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.18 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates NEWTG does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.85
PEG (5Y)N/A
EPS Next 2Y9.35%
EPS Next 3Y7.27%
5. Dividend
5.1 Amount
NEWTG has a Yearly Dividend Yield of 5.47%, which is a nice return.
Compared to an average industry Dividend Yield of 5.03, NEWTG pays a better dividend. On top of this NEWTG pays more dividend than 82.83% of the companies listed in the same industry.
NEWTG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.47% |
5.2 History
The dividend of NEWTG decreases each year by -17.44%.
NEWTG does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)-17.44%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
40.47% of the earnings are spent on dividend by NEWTG. This is a bit on the high side, but may be sustainable.
DP40.47%
EPS Next 2Y9.35%
EPS Next 3Y7.27%
NEWTEKONE INC - NEWT 8 1/2 06/01/29
NASDAQ:NEWTG (10/10/2025, 8:47:02 PM)
25
-0.12 (-0.48%)
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 Cap708.00M
Analysts73.85
Price Target32.15 (28.6%)
Short Float %0.01%
Short Ratio0.24
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.47% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP40.47%
Div Incr Years0
Div Non Decr Years0
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)3.23%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)7.58%
PT rev (3m)-5.98%
EPS NQ rev (1m)0.85%
EPS NQ rev (3m)1.62%
EPS NY rev (1m)-0.22%
EPS NY rev (3m)0.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.69%
Revenue NY rev (1m)0.36%
Revenue NY rev (3m)-2.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.65 | ||
| Fwd PE | 10.72 | ||
| P/S | 2.54 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.27 | ||
| P/tB | 2.38 | ||
| EV/EBITDA | 10.18 |
EPS(TTM)0.79
EY3.16%
EPS(NY)2.33
Fwd EY9.33%
FCF(TTM)-13.41
FCFYN/A
OCF(TTM)-13.39
OCFYN/A
SpS9.85
BVpS11.02
TBVpS10.51
PEG (NY)1.85
PEG (5Y)N/A
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%
ROICexcg growth 3Y-25.12%
ROICexcg 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 | 0.06 |
F-Score4
WACC5.75%
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)-53.8%
EPS 3Y-17.48%
EPS 5Y-3.5%
EPS Q2Q%-262.79%
EPS Next Y17.12%
EPS Next 2Y9.35%
EPS Next 3Y7.27%
EPS Next 5Y12.02%
Revenue 1Y (TTM)21.18%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%11.72%
Revenue Next Year18.54%
Revenue Next 2Y15.43%
Revenue Next 3Y13.38%
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