NEWTEKONE INC - NEWT 5 1/2 02/01/26 (NEWTZ) Stock Fundamental Analysis
USA - NASDAQ:NEWTZ - US6525267083
25.0099 USD
+0.02 (+0.08%)
We assign a fundamental rating of 4 out of 10 to NEWTZ. NEWTZ was compared to 101 industry peers in the Financial Services industry. There are concerns on the financial health of NEWTZ while its profitability can be described as average. NEWTZ is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
NEWTZ had positive earnings in the past year.
In the past year NEWTZ has reported a negative cash flow from operations.
In the past 5 years NEWTZ has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: NEWTZ reported negative operating cash flow in multiple years.
1.2 Ratios
With a decent Return On Assets value of 2.43%, NEWTZ is doing good in the industry, outperforming 60.40% of the companies in the same industry.
Looking at the Return On Equity, with a value of 16.57%, NEWTZ belongs to the top of the industry, outperforming 81.19% of the companies in the same industry.
NEWTZ has a Return On Invested Capital (4.13%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for NEWTZ is below the industry average of 7.65%.
| 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
NEWTZ's Profit Margin of 18.54% is fine compared to the rest of the industry. NEWTZ outperforms 73.27% of its industry peers.
NEWTZ's Profit Margin has declined in the last couple of years.
NEWTZ has a better Operating Margin (41.07%) than 78.22% of its industry peers.
In the last couple of years the Operating Margin of NEWTZ has declined.
With an excellent Gross Margin value of 93.47%, NEWTZ belongs to the best of the industry, outperforming 95.05% of the companies in the same industry.
| 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), NEWTZ is destroying value.
Compared to 1 year ago, NEWTZ has more shares outstanding
Compared to 5 years ago, NEWTZ has more shares outstanding
Compared to 1 year ago, NEWTZ has a worse debt to assets ratio.
2.2 Solvency
NEWTZ has an Altman-Z score of 0.06. This is a bad value and indicates that NEWTZ is not financially healthy and even has some risk of bankruptcy.
NEWTZ's Altman-Z score of 0.06 is on the low side compared to the rest of the industry. NEWTZ is outperformed by 61.39% of its industry peers.
A Debt/Equity ratio of 5.58 is on the high side and indicates that NEWTZ has dependencies on debt financing.
With a Debt to Equity ratio value of 5.58, NEWTZ is not doing good in the industry: 83.17% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.58 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.06 |
ROIC/WACC0.56
WACC7.42%
2.3 Liquidity
A Current Ratio of 0.18 indicates that NEWTZ may have some problems paying its short term obligations.
With a Current ratio value of 0.18, NEWTZ is not doing good in the industry: 75.25% of the companies in the same industry are doing better.
A Quick Ratio of 0.18 indicates that NEWTZ may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.18, NEWTZ is doing worse than 75.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 |
3. Growth
3.1 Past
NEWTZ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -53.80%.
NEWTZ shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.50% yearly.
Looking at the last year, NEWTZ shows a very strong growth in Revenue. 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)-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
Based on estimates for the next years, NEWTZ will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.02% on average per year.
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
NEWTZ is valuated quite expensively with a Price/Earnings ratio of 31.66.
Compared to the rest of the industry, the Price/Earnings ratio of NEWTZ indicates a slightly more expensive valuation: NEWTZ is more expensive than 69.31% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.38. NEWTZ is around the same levels.
The Price/Forward Earnings ratio is 10.61, which indicates a very decent valuation of NEWTZ.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NEWTZ is on the same level as its industry peers.
NEWTZ is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.86, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.66 | ||
| Fwd PE | 10.61 |
4.2 Price Multiples
NEWTZ's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. NEWTZ is cheaper than 72.28% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.15 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates NEWTZ does not grow enough to justify the current Price/Earnings ratio.
NEWTZ'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%
5. Dividend
5.1 Amount
NEWTZ has a Yearly Dividend Yield of 8.52%, which is a nice return.
Compared to an average industry Dividend Yield of 5.03, NEWTZ pays a better dividend. On top of this NEWTZ pays more dividend than 92.08% of the companies listed in the same industry.
NEWTZ's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.52% |
5.2 History
The dividend of NEWTZ decreases each year by -17.44%.
NEWTZ has been paying a dividend for over 5 years, so it has already some track record.
NEWTZ has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-17.44%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
NEWTZ 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 2Y9.92%
EPS Next 3Y13.7%
NEWTEKONE INC - NEWT 5 1/2 02/01/26
NASDAQ:NEWTZ (9/19/2025, 8:00:01 PM)
25.0099
+0.02 (+0.08%)
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 Cap708.28M
Analysts73.33
Price Target30.64 (22.51%)
Short Float %0.01%
Short Ratio0.42
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.52% |
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP40.47%
Div Incr Years0
Div Non Decr Years3
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)8
Avg Revenue beat(12)11.76%
Revenue beat(16)12
Avg Revenue beat(16)41.25%
PT rev (1m)-2.24%
PT rev (3m)-10.78%
EPS NQ rev (1m)-2.71%
EPS NQ rev (3m)1.07%
EPS NY rev (1m)0%
EPS NY rev (3m)0.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.69%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.66 | ||
| 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 | 10.15 |
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 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 | 0.06 |
F-Score4
WACC7.42%
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