NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) Stock Fundamental Analysis
USA - NASDAQ:NEWTI - US6525268073
25.3256 USD
+0.15 (+0.58%)
NEWTI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 97 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. NEWTI is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year NEWTI was profitable.
In the past year NEWTI has reported a negative cash flow from operations.
NEWTI had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: NEWTI reported negative operating cash flow in multiple years.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.43%, NEWTI is in the better half of the industry, outperforming 62.89% of the companies in the same industry.
The Return On Equity of NEWTI (16.57%) is better than 80.41% of its industry peers.
Looking at the Return On Invested Capital, with a value of 4.13%, NEWTI is in line with its industry, outperforming 54.64% 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 7.91%.
| 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
With a decent Profit Margin value of 18.54%, NEWTI is doing good in the industry, outperforming 73.20% of the companies in the same industry.
In the last couple of years the Profit Margin of NEWTI has declined.
With a decent Operating Margin value of 41.07%, NEWTI is doing good in the industry, outperforming 78.35% of the companies in the same industry.
In the last couple of years the Operating Margin of NEWTI has declined.
NEWTI has a Gross Margin of 93.47%. This is amongst the best in the industry. NEWTI outperforms 94.85% 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
NEWTI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, NEWTI has more shares outstanding
Compared to 5 years ago, NEWTI has more shares outstanding
The debt/assets ratio for NEWTI is higher compared to a year ago.
2.2 Solvency
NEWTI has an Altman-Z score of 0.06. This is a bad value and indicates that NEWTI is not financially healthy and even has some risk of bankruptcy.
NEWTI has a Altman-Z score of 0.06. This is in the lower half of the industry: NEWTI underperforms 60.82% of its industry peers.
A Debt/Equity ratio of 5.58 is on the high side and indicates that NEWTI has dependencies on debt financing.
NEWTI has a Debt to Equity ratio of 5.58. This is amonst the worse of the industry: NEWTI underperforms 82.47% 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
NEWTI has a Current Ratio of 0.18. This is a bad value and indicates that NEWTI is not financially healthy enough and could expect problems in meeting its short term obligations.
NEWTI has a Current ratio of 0.18. This is in the lower half of the industry: NEWTI underperforms 75.26% 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: 75.26% 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
NEWTI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -43.58%.
The Earnings Per Share has been decreasing by -3.50% on average over the past years.
The Revenue has grown by 22.63% in the past year. This is a very strong growth!
NEWTI 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, NEWTI will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.02% on average per year.
NEWTI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.61% yearly.
EPS Next Y16.21%
EPS Next 2Y9.49%
EPS Next 3Y7.84%
EPS Next 5Y12.02%
Revenue Next Year15.78%
Revenue Next 2Y14.16%
Revenue Next 3Y13.61%
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.
4. Valuation
4.1 Price/Earnings Ratio
NEWTI is valuated quite expensively with a Price/Earnings ratio of 25.07.
Compared to the rest of the industry, the Price/Earnings ratio of NEWTI indicates a slightly more expensive valuation: NEWTI is more expensive than 64.95% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.06, NEWTI is valued at the same level.
The Price/Forward Earnings ratio is 10.83, which indicates a very decent valuation of NEWTI.
The rest of the industry has a similar Price/Forward Earnings ratio as NEWTI.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.73, NEWTI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.07 | ||
| Fwd PE | 10.83 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NEWTI is valued a bit cheaper than 65.98% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.23 |
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)1.55
PEG (5Y)N/A
EPS Next 2Y9.49%
EPS Next 3Y7.84%
5. Dividend
5.1 Amount
NEWTI has a Yearly Dividend Yield of 7.47%, which is a nice return.
NEWTI's Dividend Yield is rather good when compared to the industry average which is at 4.50. NEWTI pays more dividend than 91.75% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, NEWTI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.47% |
5.2 History
The dividend of NEWTI decreases each year by -17.44%.
NEWTI has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)-17.44%
Div Incr Years1
Div Non Decr Years1
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 2Y9.49%
EPS Next 3Y7.84%
NEWTEKONE INC - NEWT 8 09/01/28
NASDAQ:NEWTI (11/5/2025, 8:16:40 PM)
25.3256
+0.15 (+0.58%)
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 Cap717.22M
Revenue(TTM)300.92M
Net Income(TTM)51.73M
Analysts73.85
Price Target36.21 (42.98%)
Short Float %0%
Short Ratio0.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.47% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP40.47%
Div Incr Years1
Div Non Decr Years1
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)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)12.26%
PT rev (3m)13.05%
EPS NQ rev (1m)-1.09%
EPS NQ rev (3m)-0.89%
EPS NY rev (1m)-0.77%
EPS NY rev (3m)-0.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.03%
Revenue NY rev (1m)-2.33%
Revenue NY rev (3m)-4.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.07 | ||
| Fwd PE | 10.83 | ||
| P/S | 2.57 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.3 | ||
| P/tB | 2.41 | ||
| EV/EBITDA | 10.23 |
EPS(TTM)1.01
EY3.99%
EPS(NY)2.34
Fwd EY9.23%
FCF(TTM)-13.41
FCFYN/A
OCF(TTM)-13.39
OCFYN/A
SpS9.85
BVpS11.02
TBVpS10.51
PEG (NY)1.55
PEG (5Y)N/A
Graham Number15.83
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%
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-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)-43.58%
EPS 3Y-17.48%
EPS 5Y-3.5%
EPS Q2Q%48.89%
EPS Next Y16.21%
EPS Next 2Y9.49%
EPS Next 3Y7.84%
EPS Next 5Y12.02%
Revenue 1Y (TTM)22.63%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%19.27%
Revenue Next Year15.78%
Revenue Next 2Y14.16%
Revenue Next 3Y13.61%
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
NEWTEKONE INC - NEWT 8 09/01/28 / NEWTI FAQ
Can you provide the ChartMill fundamental rating for NEWTEKONE INC - NEWT 8 09/01/28?
ChartMill assigns a fundamental rating of 4 / 10 to NEWTI.
Can you provide the valuation status for NEWTEKONE INC - NEWT 8 09/01/28?
ChartMill assigns a valuation rating of 3 / 10 to NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI). This can be considered as Overvalued.
Can you provide the profitability details for NEWTEKONE INC - NEWT 8 09/01/28?
NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) has a profitability rating of 5 / 10.
Can you provide the financial health for NEWTI stock?
The financial health rating of NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) is 0 / 10.
Can you provide the expected EPS growth for NEWTI stock?
The Earnings per Share (EPS) of NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) is expected to grow by 16.21% in the next year.