NEWTEKONE INC - NEWT 5 1/2 02/01/26 (NEWTZ) Stock Fundamental Analysis
USA - NASDAQ:NEWTZ - US6525267083
25.123 USD
+0 (+0.01%)
NEWTZ gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 99 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.
NEWTZ had a negative operating cash flow in the past year.
Each year in the past 5 years NEWTZ has been profitable.
In multiple years NEWTZ reported negative operating cash flow during the last 5 years.
1.2 Ratios
NEWTZ has a better Return On Assets (2.43%) than 62.63% of its industry peers.
Looking at the Return On Equity, with a value of 16.57%, NEWTZ belongs to the top of the industry, outperforming 82.83% of the companies in the same industry.
NEWTZ has a Return On Invested Capital of 4.13%. This is comparable to the rest of the industry: NEWTZ outperforms 58.59% of its industry peers.
NEWTZ had an Average Return On Invested Capital over the past 3 years of 4.45%. This is below the industry average of 7.72%.
| 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 has a better Profit Margin (18.54%) than 74.75% of its industry peers.
In the last couple of years the Profit Margin of NEWTZ has declined.
The Operating Margin of NEWTZ (41.07%) is better than 79.80% 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 96.97% 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
NEWTZ 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, NEWTZ has more shares outstanding
The number of shares outstanding for NEWTZ has been increased compared to 5 years ago.
NEWTZ has a worse debt/assets ratio than last year.
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 has a worse Altman-Z score (0.06) than 62.63% of its industry peers.
NEWTZ has a Debt/Equity ratio of 5.58. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 5.58, NEWTZ is doing worse than 80.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.58 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.06 |
ROIC/WACC0.72
WACC5.72%
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: 73.74% of the companies in the same industry are doing better.
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.
The Quick ratio of NEWTZ (0.18) is worse than 73.74% of its industry peers.
| 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%.
Measured over the past years, NEWTZ shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.50% on average per year.
The Revenue has grown by 21.18% in the past year. This is a very strong growth!
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)-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
The Earnings Per Share is expected to grow by 12.02% on average over the next years. This is quite good.
The Revenue is expected to grow by 13.38% on average over the next years. This is quite good.
EPS Next Y17.12%
EPS Next 2Y9.35%
EPS Next 3Y7.27%
EPS Next 5Y12.02%
Revenue Next Year18.54%
Revenue Next 2Y15.43%
Revenue Next 3Y13.38%
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
A Price/Earnings ratio of 31.80 indicates a quite expensive valuation of NEWTZ.
Based on the Price/Earnings ratio, NEWTZ is valued a bit more expensive than 67.68% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.34, NEWTZ is valued at the same level.
With a Price/Forward Earnings ratio of 10.78, the valuation of NEWTZ can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NEWTZ is on the same level as its industry peers.
NEWTZ's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.8 | ||
| Fwd PE | 10.78 |
4.2 Price Multiples
70.71% of the companies in the same industry are more expensive than NEWTZ, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.18 |
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.
PEG (NY)1.86
PEG (5Y)N/A
EPS Next 2Y9.35%
EPS Next 3Y7.27%
5. Dividend
5.1 Amount
NEWTZ has a Yearly Dividend Yield of 8.89%, which is a nice return.
Compared to an average industry Dividend Yield of 4.87, NEWTZ pays a better dividend. On top of this NEWTZ pays more dividend than 90.91% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, NEWTZ pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.89% |
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
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 2Y9.35%
EPS Next 3Y7.27%
NEWTEKONE INC - NEWT 5 1/2 02/01/26
NASDAQ:NEWTZ (10/13/2025, 8:00:05 PM)
25.123
+0 (+0.01%)
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 Cap711.48M
Analysts73.85
Price Target32.33 (28.69%)
Short Float %0%
Short Ratio0.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.89% |
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)8.71%
PT rev (3m)-5.85%
EPS NQ rev (1m)0.54%
EPS NQ rev (3m)1.62%
EPS NY rev (1m)-0.22%
EPS NY rev (3m)0.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.69%
Revenue NY rev (1m)0.36%
Revenue NY rev (3m)-2.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.8 | ||
| Fwd PE | 10.78 | ||
| P/S | 2.55 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.28 | ||
| P/tB | 2.39 | ||
| EV/EBITDA | 10.18 |
EPS(TTM)0.79
EY3.14%
EPS(NY)2.33
Fwd EY9.28%
FCF(TTM)-13.41
FCFYN/A
OCF(TTM)-13.39
OCFYN/A
SpS9.85
BVpS11.02
TBVpS10.51
PEG (NY)1.86
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
WACC5.72%
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)-53.8%
EPS 3Y-17.48%
EPS 5Y-3.5%
EPS Q2Q%-262.79%
EPS Next Y17.12%
EPS Next 2Y9.35%
EPS Next 3Y7.27%
EPS Next 5Y12.02%
Revenue 1Y (TTM)21.18%
Revenue growth 3Y19.43%
Revenue growth 5Y20.01%
Sales Q2Q%11.72%
Revenue Next Year18.54%
Revenue Next 2Y15.43%
Revenue Next 3Y13.38%
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