NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 Fundamental Analysis
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) shows moderate financial fundamentals with a PE ratio of 6.25, profit margin of 19.45%, and ROE of 17.20%. The company generates $0.1B in annual revenue with weak year-over-year growth of 1.04%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 11.9/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze NEWTI's fundamental strength across five key dimensions:
Efficiency Score
WeakNEWTI struggles to generate sufficient returns from assets.
Valuation Score
ExcellentNEWTI trades at attractive valuation levels.
Growth Score
ModerateNEWTI shows steady but slowing expansion.
Financial Health Score
WeakNEWTI carries high financial risk with limited liquidity.
Profitability Score
ModerateNEWTI maintains healthy but balanced margins.
Key Financial Metrics
Is NEWTI Expensive or Cheap?
P/E Ratio
NEWTI trades at 6.25 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, NEWTI's PEG of 0.24 indicates potential undervaluation.
Price to Book
The market values NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 at 1.00 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -12.52 times EBITDA. This is generally considered low.
How Well Does NEWTI Make Money?
Net Profit Margin
For every $100 in sales, NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 keeps $19.45 as profit after all expenses.
Operating Margin
Core operations generate 39.19 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $17.20 in profit for every $100 of shareholder equity.
ROA
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 generates $2.24 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 generates limited operating cash flow of $-179.18M, signaling weaker underlying cash strength.
Free Cash Flow
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 generates weak or negative free cash flow of $-179.25M, restricting financial flexibility.
FCF Per Share
Each share generates $-13.95 in free cash annually.
FCF Yield
NEWTI converts -1.17% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
6.25
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.24
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.00
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.13
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
5.96
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
0.05
vs 25 benchmark
How NEWTI Stacks Against Its Sector Peers
| Metric | NEWTI Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 6.25 | 18.88 | Better (Cheaper) |
| ROE | 17.20% | 801.00% | Weak |
| Net Margin | 19.45% | 2213.00% | Weak |
| Debt/Equity | 5.96 | 1.03 | Weak (High Leverage) |
| Current Ratio | 0.00 | 615.97 | Weak Liquidity |
| ROA | 2.24% | -19854.00% (disorted) | Weak |
NEWTI 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. 8.00% Fixed Rate Senior Notes due 2028's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
191.59%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
51.24%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
164.80%
Industry Style: Value, Dividend, Cyclical
High Growth