25.151 USD
-0.26 (-1.04%)
NEWTI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. There are concerns on the financial health of NEWTI while its profitability can be described as average. While showing a medium growth rate, NEWTI is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- NEWTI had positive earnings in the past year.
- In the past year NEWTI has reported a negative cash flow from operations.
- In the past 5 years NEWTI has always been profitable.
- In multiple years NEWTI reported negative operating cash flow during the last 5 years.
1.2 Ratios
- With a decent Return On Assets value of 2.40%, NEWTI is doing good in the industry, outperforming 64.29% of the companies in the same industry.
- The Return On Equity of NEWTI (14.90%) is better than 79.59% of its industry peers.
- NEWTI has a better Return On Invested Capital (4.26%) than 61.22% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for NEWTI 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
- NEWTI has a Profit Margin of 19.15%. This is in the better half of the industry: NEWTI outperforms 76.53% of its industry peers.
- In the last couple of years the Profit Margin of NEWTI has declined.
- NEWTI has a better Operating Margin (44.30%) than 83.67% of its industry peers.
- In the last couple of years the Operating Margin of NEWTI has declined.
- NEWTI's Gross Margin of 93.95% is amongst the best of the industry. NEWTI outperforms 96.94% of its industry peers.
| 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
- NEWTI has a worse debt/assets ratio than last year.
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's Altman-Z score of 0.06 is on the low side compared to the rest of the industry. NEWTI is outperformed by 62.24% of its industry peers.
- A Debt/Equity ratio of 4.98 is on the high side and indicates that NEWTI has dependencies on debt financing.
- NEWTI's Debt to Equity ratio of 4.98 is on the low side compared to the rest of the industry. NEWTI is outperformed by 81.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.98 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.06 |
ROIC/WACC0.56
WACC7.63%
2.3 Liquidity
- A Current Ratio of 0.15 indicates that NEWTI may have some problems paying its short term obligations.
- NEWTI has a worse Current ratio (0.15) than 72.45% of its industry peers.
- A Quick Ratio of 0.15 indicates that NEWTI may have some problems paying its short term obligations.
- The Quick ratio of NEWTI (0.15) is worse than 72.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.15 | ||
| Quick Ratio | 0.15 |
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%.
- Measured over the past years, NEWTI shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.50% on average per year.
- Looking at the last year, NEWTI shows a very strong growth in Revenue. The Revenue has grown by 22.63%.
- Measured over the past years, NEWTI shows a very strong growth in Revenue. The Revenue has been growing by 20.01% on average per year.
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 Y16.44%
EPS Next 2Y8.49%
EPS Next 3Y7.01%
EPS Next 5Y12.02%
Revenue Next Year15.81%
Revenue Next 2Y14.02%
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
- The Price/Earnings ratio is 24.90, which indicates a rather expensive current valuation of NEWTI.
- 60.20% of the companies in the same industry are cheaper than NEWTI, based on the Price/Earnings ratio.
- NEWTI's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.33.
- The Price/Forward Earnings ratio is 10.96, which indicates a very decent valuation of NEWTI.
- NEWTI's Price/Forward Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.12, NEWTI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.9 | ||
| Fwd PE | 10.96 |
4.2 Price Multiples
- NEWTI's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. NEWTI is cheaper than 68.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.94 |
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 9.14%, NEWTI is a good candidate for dividend investing.
- NEWTI's Dividend Yield is rather good when compared to the industry average which is at 2.49. NEWTI pays more dividend than 93.88% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.91, NEWTI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.14% |
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
- NEWTI pays out 37.16% of its income as dividend. This is a sustainable payout ratio.
DP37.16%
EPS Next 2Y8.49%
EPS Next 3Y7.01%
NEWTEKONE INC - NEWT 8 09/01/28
NASDAQ:NEWTI (1/14/2026, 8:00:02 PM)
25.151
-0.26 (-1.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-29 2025-10-29/amc
Earnings (Next)02-24 2026-02-24/amc
Inst Owners44.09%
Inst Owner ChangeN/A
Ins Owners6.04%
Ins Owner ChangeN/A
Market Cap776.91M
Revenue(TTM)300.92M
Net Income(TTM)57.62M
Analysts73.85
Price Target31.74 (26.2%)
Short Float %0%
Short Ratio0.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.14% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP37.16%
Div Incr Years1
Div Non Decr Years1
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)-7.55%
PT rev (3m)-1.6%
EPS NQ rev (1m)2.39%
EPS NQ rev (3m)-4.82%
EPS NY rev (1m)0.84%
EPS NY rev (3m)-0.58%
Revenue NQ rev (1m)0.33%
Revenue NQ rev (3m)-2.19%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)-2.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.9 | ||
| Fwd PE | 10.96 | ||
| P/S | 2.58 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.01 | ||
| P/tB | 2.09 | ||
| EV/EBITDA | 9.94 |
EPS(TTM)1.01
EY4.02%
EPS(NY)2.3
Fwd EY9.12%
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
WACC7.63%
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 Year15.81%
Revenue Next 2Y14.02%
Revenue Next 3Y13.61%
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 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.
What is the valuation status of NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) stock?
ChartMill assigns a valuation rating of 3 / 10 to NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI). This can be considered as Overvalued.
How profitable is NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) stock?
NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) has a profitability rating of 5 / 10.
What is the earnings growth outlook for NEWTEKONE INC - NEWT 8 09/01/28?
The Earnings per Share (EPS) of NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) is expected to grow by 16.44% in the next year.
How sustainable is the dividend of NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) stock?
The dividend rating of NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) is 5 / 10 and the dividend payout ratio is 37.16%.