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NEWTEKONE INC - NEWT 5 1/2 02/01/26 (NEWTZ) Stock Fundamental Analysis

NASDAQ:NEWTZ - US6525267083

24.9 USD
-0.05 (-0.21%)
Last: 8/29/2025, 8:00:01 PM
Fundamental Rating

4

NEWTZ gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 102 industry peers in the Financial Services industry. While NEWTZ is still in line with the averages on profitability rating, there are concerns on its financial health. While showing a medium growth rate, NEWTZ is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

NEWTZ had positive earnings in the past year.
NEWTZ had a negative operating cash flow in the past year.
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.
NEWTZ Yearly Net Income VS EBIT VS OCF VS FCFNEWTZ 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

NEWTZ has a Return On Assets of 2.43%. This is in the better half of the industry: NEWTZ outperforms 60.78% of its industry peers.
The Return On Equity of NEWTZ (16.57%) is better than 82.35% of its industry peers.
NEWTZ has a Return On Invested Capital (4.13%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for NEWTZ is below the industry average of 7.59%.
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%
NEWTZ Yearly ROA, ROE, ROICNEWTZ 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 NEWTZ (18.54%) is better than 73.53% of its industry peers.
NEWTZ's Profit Margin has declined in the last couple of years.
NEWTZ's Operating Margin of 41.07% is fine compared to the rest of the industry. NEWTZ outperforms 78.43% of its industry peers.
In the last couple of years the Operating Margin of NEWTZ has declined.
The Gross Margin of NEWTZ (93.47%) is better than 96.08% 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
NEWTZ Yearly Profit, Operating, Gross MarginsNEWTZ 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

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

Based on the Altman-Z score of 0.05, we must say that NEWTZ is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.05, NEWTZ is not doing good in the industry: 62.75% of the companies in the same industry are doing better.
NEWTZ has a Debt/Equity ratio of 5.58. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 5.58, NEWTZ is not doing good in the industry: 82.35% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 5.58
Debt/FCF N/A
Altman-Z 0.05
ROIC/WACC0.56
WACC7.41%
NEWTZ Yearly LT Debt VS Equity VS FCFNEWTZ 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 NEWTZ may have some problems paying its short term obligations.
NEWTZ's Current ratio of 0.18 is on the low side compared to the rest of the industry. NEWTZ is outperformed by 74.51% of its industry peers.
NEWTZ has a Quick Ratio of 0.18. This is a bad value and indicates that NEWTZ is not financially healthy enough and could expect problems in meeting its short term obligations.
NEWTZ has a worse Quick ratio (0.18) than 74.51% of its industry peers.
Industry RankSector Rank
Current Ratio 0.18
Quick Ratio 0.18
NEWTZ Yearly Current Assets VS Current LiabilitesNEWTZ 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 NEWTZ have decreased strongly by -54.34% in the last year.
Measured over the past years, NEWTZ shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.30% on average per year.
Looking at the last year, NEWTZ shows a very strong growth in Revenue. The Revenue has grown by 21.18%.
Measured over the past years, NEWTZ 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, NEWTZ 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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
NEWTZ Yearly Revenue VS EstimatesNEWTZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
NEWTZ Yearly EPS VS EstimatesNEWTZ 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 31.52 indicates a quite expensive valuation of NEWTZ.
69.61% of the companies in the same industry are cheaper than NEWTZ, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.13. NEWTZ is around the same levels.
NEWTZ is valuated reasonably with a Price/Forward Earnings ratio of 10.57.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NEWTZ is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.76. NEWTZ is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 31.52
Fwd PE 10.57
NEWTZ Price Earnings VS Forward Price EarningsNEWTZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NEWTZ indicates a somewhat cheap valuation: NEWTZ is cheaper than 72.55% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 10.13
NEWTZ Per share dataNEWTZ 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.
NEWTZ's earnings are expected to grow with 13.31% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.95
PEG (5Y)N/A
EPS Next 2Y9.36%
EPS Next 3Y13.31%

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6

5. Dividend

5.1 Amount

NEWTZ has a Yearly Dividend Yield of 6.19%, which is a nice return.
Compared to an average industry Dividend Yield of 4.24, NEWTZ pays a better dividend. On top of this NEWTZ pays more dividend than 90.20% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, NEWTZ pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.19%

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
NEWTZ Yearly Dividends per shareNEWTZ Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

40.47% of the earnings are spent on dividend by NEWTZ. This is a bit on the high side, but may be sustainable.
DP40.47%
EPS Next 2Y9.36%
EPS Next 3Y13.31%
NEWTZ Yearly Income VS Free CF VS DividendNEWTZ 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
NEWTZ Dividend Payout.NEWTZ Dividend Payout, showing the Payout Ratio.NEWTZ Dividend Payout.PayoutRetained Earnings

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NEWTEKONE INC - NEWT 5 1/2 02/01/26

NASDAQ:NEWTZ (8/29/2025, 8:00:01 PM)

24.9

-0.05 (-0.21%)

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 Cap705.17M
Analysts73.33
Price Target29.74 (19.44%)
Short Float %0.01%
Short Ratio0.32
Dividend
Industry RankSector Rank
Dividend Yield 6.19%
Yearly Dividend0.79
Dividend Growth(5Y)-17.44%
DP40.47%
Div Incr Years0
Div Non Decr Years3
Ex-Date07-15 2025-07-15 (0.34375)
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)8
Avg Revenue beat(12)11.76%
Revenue beat(16)12
Avg Revenue beat(16)41.25%
PT rev (1m)-5.91%
PT rev (3m)-13.2%
EPS NQ rev (1m)-0.65%
EPS NQ rev (3m)11.68%
EPS NY rev (1m)0.26%
EPS NY rev (3m)1.21%
Revenue NQ rev (1m)-2.03%
Revenue NQ rev (3m)12.7%
Revenue NY rev (1m)-2.77%
Revenue NY rev (3m)0.08%
Valuation
Industry RankSector Rank
PE 31.52
Fwd PE 10.57
P/S 2.53
P/FCF N/A
P/OCF N/A
P/B 2.26
P/tB 2.37
EV/EBITDA 10.13
EPS(TTM)0.79
EY3.17%
EPS(NY)2.36
Fwd EY9.46%
FCF(TTM)-13.41
FCFYN/A
OCF(TTM)-13.39
OCFYN/A
SpS9.85
BVpS11.02
TBVpS10.51
PEG (NY)1.95
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
WACC7.41%
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)-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