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NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) Stock Fundamental Analysis

USA - NASDAQ:NEWTI - US6525268073

24.9999 USD
+0.1 (+0.4%)
Last: 9/19/2025, 8:00:01 PM
Fundamental Rating

4

Taking everything into account, NEWTI scores 4 out of 10 in our fundamental rating. NEWTI was compared to 101 industry peers in the Financial Services industry. While NEWTI is still in line with the averages on profitability rating, there are concerns on its financial health. While showing a medium growth rate, NEWTI is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

NEWTI had positive earnings in the past year.
NEWTI had a negative operating cash flow in the past year.
Each year in the past 5 years NEWTI has been profitable.
In multiple years NEWTI reported negative operating cash flow during the last 5 years.
NEWTI Yearly Net Income VS EBIT VS OCF VS FCFNEWTI 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

NEWTI has a better Return On Assets (2.43%) than 62.38% of its industry peers.
With an excellent Return On Equity value of 16.57%, NEWTI belongs to the best of the industry, outperforming 83.17% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 4.13%, NEWTI is in line with its industry, outperforming 59.41% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for NEWTI is below the industry average of 7.65%.
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%
NEWTI Yearly ROA, ROE, ROICNEWTI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

The Profit Margin of NEWTI (18.54%) is better than 75.25% of its industry peers.
In the last couple of years the Profit Margin of NEWTI has declined.
NEWTI has a better Operating Margin (41.07%) than 80.20% of its industry peers.
In the last couple of years the Operating Margin of NEWTI has declined.
NEWTI's Gross Margin of 93.47% is amongst the best of the industry. NEWTI outperforms 97.03% 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
NEWTI Yearly Profit, Operating, Gross MarginsNEWTI 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

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NEWTI is destroying value.
Compared to 1 year ago, NEWTI has more shares outstanding
The number of shares outstanding for NEWTI has been increased compared to 5 years ago.
Compared to 1 year ago, NEWTI has a worse debt to assets ratio.
NEWTI Yearly Shares OutstandingNEWTI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
NEWTI Yearly Total Debt VS Total AssetsNEWTI 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

NEWTI has an Altman-Z score of 0.05. This is a bad value and indicates that NEWTI is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of NEWTI (0.05) is worse than 63.37% of its industry peers.
NEWTI has a Debt/Equity ratio of 5.58. This is a high value indicating a heavy dependency on external financing.
NEWTI has a worse Debt to Equity ratio (5.58) than 81.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.58
Debt/FCF N/A
Altman-Z 0.05
ROIC/WACC0.56
WACC7.44%
NEWTI Yearly LT Debt VS Equity VS FCFNEWTI 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 NEWTI may have some problems paying its short term obligations.
NEWTI has a Current ratio of 0.18. This is in the lower half of the industry: NEWTI underperforms 73.27% of its industry peers.
A Quick Ratio of 0.18 indicates that NEWTI may have some problems paying its short term obligations.
With a Quick ratio value of 0.18, NEWTI is not doing good in the industry: 73.27% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.18
Quick Ratio 0.18
NEWTI Yearly Current Assets VS Current LiabilitesNEWTI 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 NEWTI have decreased strongly by -53.80% in the last year.
NEWTI 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 21.18% in the past year. This is a very strong growth!
The Revenue has been growing by 20.01% on average over the past years. This is a very strong growth!
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

NEWTI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.02% yearly.
The Revenue is expected to grow by 15.39% on average over the next years. This is quite good.
EPS Next Y17.38%
EPS Next 2Y9.92%
EPS Next 3Y13.7%
EPS Next 5Y12.02%
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
NEWTI Yearly Revenue VS EstimatesNEWTI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
NEWTI Yearly EPS VS EstimatesNEWTI 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

A Price/Earnings ratio of 31.65 indicates a quite expensive valuation of NEWTI.
68.32% of the companies in the same industry are cheaper than NEWTI, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.38. NEWTI is around the same levels.
The Price/Forward Earnings ratio is 10.61, which indicates a very decent valuation of NEWTI.
NEWTI's Price/Forward Earnings ratio is in line with the industry average.
NEWTI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.86.
Industry RankSector Rank
PE 31.65
Fwd PE 10.61
NEWTI Price Earnings VS Forward Price EarningsNEWTI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

74.26% of the companies in the same industry are more expensive than NEWTI, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 10.13
NEWTI Per share dataNEWTI 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 an expensive valuation of the company.
NEWTI's earnings are expected to grow with 13.70% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.82
PEG (5Y)N/A
EPS Next 2Y9.92%
EPS Next 3Y13.7%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 8.00%, NEWTI is a good candidate for dividend investing.
NEWTI's Dividend Yield is rather good when compared to the industry average which is at 4.86. NEWTI pays more dividend than 91.09% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, NEWTI pays a better dividend.
Industry RankSector Rank
Dividend Yield 8%

5.2 History

The dividend of NEWTI decreases each year by -17.44%.
NEWTI has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)-17.44%
Div Incr Years1
Div Non Decr Years1
NEWTI Yearly Dividends per shareNEWTI Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

40.47% of the earnings are spent on dividend by NEWTI. This is a bit on the high side, but may be sustainable.
DP40.47%
EPS Next 2Y9.92%
EPS Next 3Y13.7%
NEWTI Yearly Income VS Free CF VS DividendNEWTI 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
NEWTI Dividend Payout.NEWTI Dividend Payout, showing the Payout Ratio.NEWTI Dividend Payout.PayoutRetained Earnings

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NEWTEKONE INC - NEWT 8 09/01/28

NASDAQ:NEWTI (9/19/2025, 8:00:01 PM)

24.9999

+0.1 (+0.4%)

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 Cap708.00M
Analysts73.33
Price Target30.65 (22.6%)
Short Float %0%
Short Ratio0.12
Dividend
Industry RankSector Rank
Dividend Yield 8%
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP40.47%
Div Incr Years1
Div Non Decr Years1
Ex-Date08-15 2025-08-15 (0.5)
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)2.78%
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)-4.3%
PT rev (3m)-3.21%
EPS NQ rev (1m)-2.71%
EPS NQ rev (3m)1.07%
EPS NY rev (1m)0.26%
EPS NY rev (3m)1.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.69%
Revenue NY rev (1m)-2.77%
Revenue NY rev (3m)-2.77%
Valuation
Industry RankSector Rank
PE 31.65
Fwd PE 10.61
P/S 2.54
P/FCF N/A
P/OCF N/A
P/B 2.27
P/tB 2.38
EV/EBITDA 10.13
EPS(TTM)0.79
EY3.16%
EPS(NY)2.36
Fwd EY9.42%
FCF(TTM)-13.41
FCFYN/A
OCF(TTM)-13.39
OCFYN/A
SpS9.85
BVpS11.02
TBVpS10.51
PEG (NY)1.82
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 0.05
F-Score4
WACC7.44%
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)-53.8%
EPS 3Y-17.48%
EPS 5Y-3.5%
EPS Q2Q%-262.79%
EPS Next Y17.38%
EPS Next 2Y9.92%
EPS Next 3Y13.7%
EPS Next 5Y12.02%
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