NEWTEKONE INC - NEWT 8 09/01/28 (NEWTI) Stock Fundamental Analysis
NASDAQ:NEWTI - US6525268073
24.9502 USD
+0.01 (+0.03%)
Taking everything into account, NEWTI scores 4 out of 10 in our fundamental rating. NEWTI was compared to 100 industry peers in the Financial Services industry. NEWTI has a medium profitability rating, but doesn't score so well on its financial health evaluation. NEWTI is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year NEWTI was profitable.
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.
1.2 Ratios
The Return On Assets of NEWTI (2.43%) is better than 62.00% of its industry peers.
With an excellent Return On Equity value of 16.57%, NEWTI belongs to the best of the industry, outperforming 82.00% 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 58.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for NEWTI is below the industry average of 7.71%.
| 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
NEWTI has a better Profit Margin (18.54%) than 75.00% of its industry peers.
In the last couple of years the Profit Margin of NEWTI has declined.
NEWTI's Operating Margin of 41.07% is fine compared to the rest of the industry. NEWTI outperforms 80.00% of its industry peers.
NEWTI's Operating Margin has declined in the last couple of years.
The Gross Margin of NEWTI (93.47%) is better than 96.00% 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
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
Compared to 5 years ago, NEWTI has more shares outstanding
Compared to 1 year ago, NEWTI has a worse debt to assets ratio.
2.2 Solvency
NEWTI has an Altman-Z score of 0.04. 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 0.04 is on the low side compared to the rest of the industry. NEWTI is outperformed by 62.00% 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 worse Debt to Equity ratio (5.58) than 82.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.58 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.04 |
ROIC/WACC0.55
WACC7.54%
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 worse Current ratio (0.18) than 74.00% of its industry peers.
A Quick Ratio of 0.18 indicates that NEWTI may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.18, NEWTI is doing worse than 74.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 |
3. Growth
3.1 Past
The earnings per share for NEWTI have decreased strongly by -54.34% in the last year.
NEWTI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.30% yearly.
NEWTI shows a strong growth in Revenue. In the last year, the Revenue has grown by 21.18%.
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)-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
The Earnings Per Share is expected to grow by 11.73% on average over the next years. This is quite good.
Based on estimates for the next years, NEWTI will show a quite strong growth in Revenue. The Revenue will grow by 15.39% on average per year.
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.
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
With a Price/Earnings ratio of 31.58, NEWTI can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of NEWTI indicates a slightly more expensive valuation: NEWTI is more expensive than 69.00% of the companies listed in the same industry.
NEWTI's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.08.
A Price/Forward Earnings ratio of 10.59 indicates a reasonable valuation of NEWTI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NEWTI is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of NEWTI to the average of the S&P500 Index (22.67), we can say NEWTI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.58 | ||
| Fwd PE | 10.59 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NEWTI indicates a somewhat cheap valuation: NEWTI is cheaper than 72.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.71 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates NEWTI does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as NEWTI's earnings are expected to grow with 13.31% in the coming years.
PEG (NY)1.95
PEG (5Y)N/A
EPS Next 2Y9.36%
EPS Next 3Y13.31%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.32%, NEWTI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.27, NEWTI pays a better dividend. On top of this NEWTI pays more dividend than 91.00% of the companies listed in the same industry.
NEWTI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.32% |
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 40.47% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP40.47%
EPS Next 2Y9.36%
EPS Next 3Y13.31%
NEWTEKONE INC - NEWT 8 09/01/28
NASDAQ:NEWTI (8/26/2025, 8:00:01 PM)
24.9502
+0.01 (+0.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners43.07%
Inst Owner ChangeN/A
Ins Owners6.57%
Ins Owner ChangeN/A
Market Cap656.69M
Analysts73.33
Price Target29.75 (19.24%)
Short Float %0%
Short Ratio0.29
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.32% |
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)-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)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)-7.11%
PT rev (3m)-19.05%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.58 | ||
| Fwd PE | 10.59 | ||
| P/S | 2.35 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.1 | ||
| P/tB | 2.21 | ||
| EV/EBITDA | 9.71 |
EPS(TTM)0.79
EY3.17%
EPS(NY)2.36
Fwd EY9.44%
FCF(TTM)-14.42
FCFYN/A
OCF(TTM)-14.41
OCFYN/A
SpS10.6
BVpS11.86
TBVpS11.3
PEG (NY)1.95
PEG (5Y)N/A
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%
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 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 | 0.04 |
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