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NewtekOne, Inc.

NEWT

$11.31 ▼ -0.37 (-3.17%) at close

5 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Moderately Bullish

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Analytical Summary

NewtekOne, Inc. demonstrates solid fundamentals with strength in Return on Common Equity (%). However, watch Debt to Equity which shows concerning trends. Overall, the data suggests a moderately positive outlook with manageable risks.

Market Cap $297.7M

Dividend Yield 6.72%

Revenue Growth 10.6% ↘

Op. Margin —

ROIC None

FCF / Share None

Trailing P/E 5.1x

Price / Book 0.8x

FCF Yield —

Debt / Equity 2.06

info Valuation on last close. End-of-day price, Sep 23, 2026.

5-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$284.80M

↑ +10.6% —

Net Income Profit after all expenses

$60.51M

↑ +19.0% —

Long-Term Debt Long-term obligations

$819.89M

↑ +15.8% —

trending_up

Bullish Indicators

Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.76 Latest / share

+100.0% YoY

+105.5% 3-yr CAGR

FY 2021

FY 2022

$0.18

FY 2023

$0.38

FY 2024

$0.76

FY 2025

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Revenue Growth YoY (%)	10.6% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+76%)	26.7% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+344%)	93.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1457%)	-28.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-580%)	—
EPS Growth YoY (%)	12.2% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	4.2% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	41.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-63.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	19.0% Good ↑ Good Improving Year-over-year change in net income	7.4% Fair ↑ Fair Improving Year-over-year change in net income	46.5% Excellent Excellent Year-over-year change in net income	-61.6% Weak Weak Year-over-year change in net income	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	39.4% Excellent Excellent Compound annual revenue growth over 3 years	20.4% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—
EPS CAGR 3Y (%)	18.1% Excellent Excellent Compound annual EPS growth over 3 years	-18.9% Weak Weak Compound annual EPS growth over 3 years	—	—	—

💰 Are margins durable? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Profit Margin (%) (%)	21.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.7% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	23.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	30.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	56.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+159%)
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	2.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	3.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	15.2% Good → Good Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+27%)	17.2% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+43%)	19.5% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+63%)	8.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	20.8% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+74%)

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Debt to Equity (x)	2.06x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+72%)	2.39x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+99%)	2.66x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+122%)	1.44x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+20%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Revenue per Share (USD)	$10.82	$10.33	$8.38	$4.35	$6.48
Basic EPS, GAAP (USD)	$2.21	$1.97	$1.89	$1.34	$3.69
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.76	$0.38	$0.18	—	—
Book Value per Share (USD)	$13.87	$11.27	$9.81	$15.25	$17.72
Tangible Book Value per Share (USD)	$13.38	$10.73	$8.76	$15.25	$17.72
Basic Weighted Avg Shares (shares)	26.32M	24.95M	24.26M	24.20M	22.80M
Dividend Payout Ratio (%)	34.4% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	19.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	9.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$819.89M	$708.04M	$644.12M	$539.33M	—
Total Equity (USD)	$397.57M	$296.28M	$242.20M	$375.36M	$403.89M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Sales/Revenue/Turnover (USD)	$284.80M	$257.62M	$203.41M	$105.17M	$147.76M
Depreciation Expense (USD)	$668.00K	$1.78M	$2.88M	$239.00K	$304.00K
Net Income, GAAP (USD)	$60.51M	$50.85M	$47.33M	$32.31M	$84.14M
Operating Cash Flow (USD)	$-579.24M	$-153.01M	$-169.22M	$-62.42M	$140.92M

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Net Interest Margin (approx.) (%)	2.2%	2.0%	1.9%	1.2%	—
Efficiency Ratio (%) (%)	58.3%	63.2%	71.9%	63.1%	42.2%

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bar_chart Data from SEC EDGAR XBRL filings

Synced yesterday 5 years · 26 quarters

NewtekOne, Inc.

Analytical Summary

5-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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