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NEWTEKONE INC - NEWT 8 1/2 06/01/29 (NEWTG) Stock Fundamental Analysis

NASDAQ:NEWTG - US6525268800

25.16 USD
+0.05 (+0.2%)
Last: 8/27/2025, 10:23:23 AM
Fundamental Rating

4

Overall NEWTG gets a fundamental rating of 4 out of 10. We evaluated NEWTG against 100 industry peers in the Financial Services industry. While NEWTG is still in line with the averages on profitability rating, there are concerns on its financial health. NEWTG is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year NEWTG was profitable.
NEWTG had a negative operating cash flow in the past year.
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.
NEWTG Yearly Net Income VS EBIT VS OCF VS FCFNEWTG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M -100M -150M

1.2 Ratios

The Return On Assets of NEWTG (2.43%) is better than 61.00% of its industry peers.
NEWTG's Return On Equity of 16.57% is amongst the best of the industry. NEWTG outperforms 81.00% of its industry peers.
NEWTG's Return On Invested Capital of 4.13% is in line compared to the rest of the industry. NEWTG outperforms 57.00% of its industry peers.
NEWTG had an Average Return On Invested Capital over the past 3 years of 4.45%. This is below the industry average of 7.71%.
Industry RankSector 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%
NEWTG Yearly ROA, ROE, ROICNEWTG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

NEWTG has a better Profit Margin (18.54%) than 74.00% of its industry peers.
In the last couple of years the Profit Margin of NEWTG has declined.
NEWTG's Operating Margin of 41.07% is fine compared to the rest of the industry. NEWTG outperforms 79.00% of its industry peers.
In the last couple of years the Operating Margin of NEWTG has declined.
NEWTG's Gross Margin of 93.47% is amongst the best of the industry. NEWTG outperforms 95.00% of its industry peers.
Industry RankSector 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
NEWTG Yearly Profit, Operating, Gross MarginsNEWTG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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0

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
NEWTG has more shares outstanding than it did 5 years ago.
NEWTG has a worse debt/assets ratio than last year.
NEWTG Yearly Shares OutstandingNEWTG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
NEWTG Yearly Total Debt VS Total AssetsNEWTG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

Based on the Altman-Z score of 0.04, we must say that NEWTG is in the distress zone and has some risk of bankruptcy.
NEWTG's Altman-Z score of 0.04 is on the low side compared to the rest of the industry. NEWTG is outperformed by 61.00% 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's Debt to Equity ratio of 5.58 is on the low side compared to the rest of the industry. NEWTG is outperformed by 83.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.58
Debt/FCF N/A
Altman-Z 0.04
ROIC/WACC0.55
WACC7.54%
NEWTG Yearly LT Debt VS Equity VS FCFNEWTG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

2.3 Liquidity

A Current Ratio of 0.18 indicates that NEWTG may have some problems paying its short term obligations.
NEWTG's Current ratio of 0.18 is on the low side compared to the rest of the industry. NEWTG is outperformed by 75.00% of its industry peers.
A Quick Ratio of 0.18 indicates that NEWTG may have some problems paying its short term obligations.
NEWTG has a worse Quick ratio (0.18) than 75.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.18
Quick Ratio 0.18
NEWTG Yearly Current Assets VS Current LiabilitesNEWTG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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6

3. Growth

3.1 Past

The earnings per share for NEWTG have decreased strongly by -54.34% in the last year.
The Earnings Per Share has been decreasing by -3.30% on average over the past years.
NEWTG shows a strong growth in Revenue. In the last year, the Revenue has grown by 21.18%.
The Revenue has been growing by 20.01% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-54.34%
EPS 3Y-17.2%
EPS 5Y-3.3%
EPS Q2Q%-255.56%
Revenue 1Y (TTM)21.18%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%11.72%

3.2 Future

NEWTG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.73% yearly.
NEWTG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.39% yearly.
EPS Next Y16.19%
EPS Next 2Y9.36%
EPS Next 3Y13.31%
EPS Next 5Y11.73%
Revenue Next Year18.11%
Revenue Next 2Y15.39%
Revenue Next 3YN/A
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.
NEWTG Yearly Revenue VS EstimatesNEWTG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
NEWTG Yearly EPS VS EstimatesNEWTG Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 31.85, NEWTG can be considered very expensive at the moment.
70.00% of the companies in the same industry are cheaper than NEWTG, based on the Price/Earnings ratio.
NEWTG is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.08, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 10.68, the valuation of NEWTG can be described as very reasonable.
NEWTG's Price/Forward Earnings is on the same level as the industry average.
NEWTG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.67.
Industry RankSector Rank
PE 31.85
Fwd PE 10.68
NEWTG Price Earnings VS Forward Price EarningsNEWTG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, NEWTG is valued a bit cheaper than the industry average as 71.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 9.75
NEWTG Per share dataNEWTG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 -10

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.
NEWTG's earnings are expected to grow with 13.31% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.97
PEG (5Y)N/A
EPS Next 2Y9.36%
EPS Next 3Y13.31%

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5

5. Dividend

5.1 Amount

NEWTG has a Yearly Dividend Yield of 6.32%, which is a nice return.
NEWTG's Dividend Yield is rather good when compared to the industry average which is at 4.27. NEWTG pays more dividend than 92.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, NEWTG pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.32%

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
NEWTG Yearly Dividends per shareNEWTG Yearly Dividends per shareYearly Dividends per share 2024 2025 0.2 0.4 0.6 0.8 1

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 2Y9.36%
EPS Next 3Y13.31%
NEWTG Yearly Income VS Free CF VS DividendNEWTG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M -100M -150M
NEWTG Dividend Payout.NEWTG Dividend Payout, showing the Payout Ratio.NEWTG Dividend Payout.PayoutRetained Earnings

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NEWTEKONE INC - NEWT 8 1/2 06/01/29

NASDAQ:NEWTG (8/27/2025, 10:23:23 AM)

25.16

+0.05 (+0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)07-28 2025-07-28/amc
Earnings (Next)11-04 2025-11-04/amc
Inst Owners43.07%
Inst Owner ChangeN/A
Ins Owners6.57%
Ins Owner ChangeN/A
Market Cap662.21M
Analysts73.33
Price Target29.88 (18.76%)
Short Float %0%
Short Ratio0.18
Dividend
Industry RankSector Rank
Dividend Yield 6.32%
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP40.47%
Div Incr Years0
Div Non Decr Years0
Ex-Date05-30 2025-05-30 (0.53125)
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)-22.77%
EPS beat(12)6
Avg EPS beat(12)-22.29%
EPS beat(16)9
Avg EPS beat(16)-14.99%
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)-6.84%
PT rev (3m)-19.55%
EPS NQ rev (1m)3.99%
EPS NQ rev (3m)15.14%
EPS NY rev (1m)0.26%
EPS NY rev (3m)1.21%
Revenue NQ rev (1m)-0.69%
Revenue NQ rev (3m)12.7%
Revenue NY rev (1m)-2.77%
Revenue NY rev (3m)0.08%
Valuation
Industry RankSector Rank
PE 31.85
Fwd PE 10.68
P/S 2.37
P/FCF N/A
P/OCF N/A
P/B 2.12
P/tB 2.23
EV/EBITDA 9.75
EPS(TTM)0.79
EY3.14%
EPS(NY)2.36
Fwd EY9.36%
FCF(TTM)-14.42
FCFYN/A
OCF(TTM)-14.41
OCFYN/A
SpS10.6
BVpS11.86
TBVpS11.3
PEG (NY)1.97
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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 0.04
F-Score4
WACC7.54%
ROIC/WACC0.55
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)-54.34%
EPS 3Y-17.2%
EPS 5Y-3.3%
EPS Q2Q%-255.56%
EPS Next Y16.19%
EPS Next 2Y9.36%
EPS Next 3Y13.31%
EPS Next 5Y11.73%
Revenue 1Y (TTM)21.18%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%11.72%
Revenue Next Year18.11%
Revenue Next 2Y15.39%
Revenue Next 3YN/A
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