25.25 USD
+0.1 (+0.4%)
25.28 USD
+0.03 (+0.12%)
We assign a fundamental rating of 4 out of 10 to NEWTG. NEWTG was compared to 97 industry peers in the Financial Services industry. NEWTG has a medium profitability rating, but doesn't score so well on its financial health evaluation. NEWTG is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- NEWTG had positive earnings in the past year.
- In the past year NEWTG has reported a negative cash flow from operations.
- In the past 5 years NEWTG has always been profitable.
- In multiple years NEWTG reported negative operating cash flow during the last 5 years.
1.2 Ratios
- NEWTG's Return On Assets of 2.40% is fine compared to the rest of the industry. NEWTG outperforms 63.27% of its industry peers.
- NEWTG's Return On Equity of 14.90% is fine compared to the rest of the industry. NEWTG outperforms 78.57% of its industry peers.
- NEWTG has a Return On Invested Capital of 4.26%. This is in the better half of the industry: NEWTG outperforms 60.20% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for NEWTG is below the industry average of 8.44%.
| 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
- NEWTG has a better Profit Margin (19.15%) than 75.51% of its industry peers.
- NEWTG's Profit Margin has declined in the last couple of years.
- NEWTG has a Operating Margin of 44.30%. This is amongst the best in the industry. NEWTG outperforms 82.65% of its industry peers.
- NEWTG's Operating Margin has declined in the last couple of years.
- With an excellent Gross Margin value of 93.95%, NEWTG belongs to the best of the industry, outperforming 95.92% of the companies in the same industry.
| 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
- NEWTG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- NEWTG has more shares outstanding than it did 1 year ago.
- The number of shares outstanding for NEWTG has been increased compared to 5 years ago.
- The debt/assets ratio for NEWTG is higher compared to a year ago.
2.2 Solvency
- NEWTG has an Altman-Z score of 0.06. This is a bad value and indicates that NEWTG is not financially healthy and even has some risk of bankruptcy.
- The Altman-Z score of NEWTG (0.06) is worse than 61.22% of its industry peers.
- NEWTG has a Debt/Equity ratio of 4.98. This is a high value indicating a heavy dependency on external financing.
- NEWTG has a worse Debt to Equity ratio (4.98) than 82.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.06 |
ROIC/WACC0.56
WACC7.66%
2.3 Liquidity
- A Current Ratio of 0.15 indicates that NEWTG may have some problems paying its short term obligations.
- NEWTG has a worse Current ratio (0.15) than 73.47% of its industry peers.
- NEWTG has a Quick Ratio of 0.15. This is a bad value and indicates that NEWTG is not financially healthy enough and could expect problems in meeting its short term obligations.
- Looking at the Quick ratio, with a value of 0.15, NEWTG is doing worse than 73.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 |
3. Growth
3.1 Past
- NEWTG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -43.58%.
- NEWTG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.50% yearly.
- The Revenue has grown by 22.63% in the past year. This is a very strong growth!
- NEWTG shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.01% yearly.
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, NEWTG will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.02% on average per year.
- The Revenue is expected to grow by 14.21% on average over the next years. This is quite good.
EPS Next Y16.44%
EPS Next 2Y8.49%
EPS Next 3Y7.01%
EPS Next 5Y12.02%
Revenue Next Year16.6%
Revenue Next 2Y14.73%
Revenue Next 3Y14.21%
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
- NEWTG is valuated quite expensively with a Price/Earnings ratio of 25.00.
- Based on the Price/Earnings ratio, NEWTG is valued a bit more expensive than the industry average as 62.24% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, NEWTG is valued at the same level.
- The Price/Forward Earnings ratio is 11.00, which indicates a very decent valuation of NEWTG.
- NEWTG's Price/Forward Earnings ratio is in line with the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. NEWTG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25 | ||
| Fwd PE | 11 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, NEWTG is valued a bit cheaper than the industry average as 67.35% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.97 |
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 2Y8.49%
EPS Next 3Y7.01%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.21%, NEWTG is a good candidate for dividend investing.
- NEWTG's Dividend Yield is rather good when compared to the industry average which is at 2.24. NEWTG pays more dividend than 85.71% of the companies in the same industry.
- NEWTG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.21% |
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
- 37.16% of the earnings are spent on dividend by NEWTG. This is a low number and sustainable payout ratio.
DP37.16%
EPS Next 2Y8.49%
EPS Next 3Y7.01%
NEWTEKONE INC - NEWT 8 1/2 06/01/29
NASDAQ:NEWTG (1/16/2026, 8:00:01 PM)
After market: 25.28 +0.03 (+0.12%)25.25
+0.1 (+0.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-29 2025-10-29/amc
Earnings (Next)01-29 2026-01-29/amc
Inst Owners44.09%
Inst Owner ChangeN/A
Ins Owners6.04%
Ins Owner ChangeN/A
Market Cap779.97M
Revenue(TTM)300.92M
Net Income(TTM)57.62M
Analysts73.85
Price Target30.8 (21.98%)
Short Float %0%
Short Ratio0.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.21% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP37.16%
Div Incr Years0
Div Non Decr Years0
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)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-10.54%
PT rev (3m)-4.21%
EPS NQ rev (1m)5.04%
EPS NQ rev (3m)-2.35%
EPS NY rev (1m)0.84%
EPS NY rev (3m)-0.58%
Revenue NQ rev (1m)1.52%
Revenue NQ rev (3m)-1.04%
Revenue NY rev (1m)0.71%
Revenue NY rev (3m)-1.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25 | ||
| Fwd PE | 11 | ||
| P/S | 2.59 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.02 | ||
| P/tB | 2.1 | ||
| EV/EBITDA | 9.97 |
EPS(TTM)1.01
EY4%
EPS(NY)2.3
Fwd EY9.09%
FCF(TTM)-16.87
FCFYN/A
OCF(TTM)-16.86
OCFYN/A
SpS9.74
BVpS12.52
TBVpS12.05
PEG (NY)1.52
PEG (5Y)N/A
Graham Number16.87
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 | 0.06 |
F-Score3
WACC7.66%
ROIC/WACC0.56
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 Y16.44%
EPS Next 2Y8.49%
EPS Next 3Y7.01%
EPS Next 5Y12.02%
Revenue 1Y (TTM)22.63%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%19.27%
Revenue Next Year16.6%
Revenue Next 2Y14.73%
Revenue Next 3Y14.21%
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 8 1/2 06/01/29 / NEWTG FAQ
What is the ChartMill fundamental rating of NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) stock?
ChartMill assigns a fundamental rating of 4 / 10 to NEWTG.
What is the valuation status for NEWTG stock?
ChartMill assigns a valuation rating of 3 / 10 to NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG). This can be considered as Overvalued.
Can you provide the profitability details for NEWTEKONE INC - NEWT 8 1/2 06/01/29?
NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) has a profitability rating of 5 / 10.
How financially healthy is NEWTEKONE INC - NEWT 8 1/2 06/01/29?
The financial health rating of NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) is 0 / 10.
What is the expected EPS growth for NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) stock?
The Earnings per Share (EPS) of NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) is expected to grow by 16.44% in the next year.