NewtekOne, Inc.
NewtekOne, Inc. Fundamental Analysis
NewtekOne, Inc. (NEWTH) shows strong financial fundamentals with a PE ratio of 12.72, profit margin of 16.05%, and ROE of 17.30%. The company generates $0.3B in annual revenue with strong year-over-year growth of 31.76%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 51.0/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze NEWTH's fundamental strength across five key dimensions:
Efficiency Score
WeakNEWTH struggles to generate sufficient returns from assets.
Valuation Score
ExcellentNEWTH trades at attractive valuation levels.
Growth Score
ModerateNEWTH shows steady but slowing expansion.
Financial Health Score
WeakNEWTH carries high financial risk with limited liquidity.
Profitability Score
ExcellentNEWTH achieves industry-leading margins.
Key Financial Metrics
Is NEWTH Expensive or Cheap?
P/E Ratio
NEWTH trades at 12.72 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, NEWTH's PEG of -5.77 indicates potential undervaluation.
Price to Book
The market values NewtekOne, Inc. at 1.94 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -7.27 times EBITDA. This is generally considered low.
How Well Does NEWTH Make Money?
Net Profit Margin
For every $100 in sales, NewtekOne, Inc. keeps $16.05 as profit after all expenses.
Operating Margin
Core operations generate 46.33 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $17.30 in profit for every $100 of shareholder equity.
ROA
NewtekOne, Inc. generates $2.20 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
NewtekOne, Inc. generates limited operating cash flow of $28.15M, signaling weaker underlying cash strength.
Free Cash Flow
NewtekOne, Inc. produces free cash flow of $28.07M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $1.08 in free cash annually.
FCF Yield
NEWTH converts 4.89% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.72
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-5.77
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.94
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.76
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
5.64
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.17
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.07
vs 25 benchmark
How NEWTH Stacks Against Its Sector Peers
| Metric | NEWTH Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.72 | 18.86 | Better (Cheaper) |
| ROE | 17.30% | 847.00% | Weak |
| Net Margin | 16.05% | 4202.00% | Weak |
| Debt/Equity | 5.64 | 0.91 | Weak (High Leverage) |
| Current Ratio | 0.00 | 667.17 | Weak Liquidity |
| ROA | 2.20% | -21543.00% (disorted) | Weak |
NEWTH outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews NewtekOne, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
135.56%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-4.22%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
82.78%
Industry Style: Value, Dividend, Cyclical
High Growth