📊 NEWTH Key Takeaways
Is NEWTH a Good Investment? Thesis Analysis
NewtekOne exhibits severe financial distress marked by a catastrophic 73.4% revenue decline, massive negative operating cash flow of -$579.2M, and interest coverage ratio of 0.5x indicating inability to service debt from operations. Despite reported net income growth, the company faces an acute liquidity crisis with only $4.2M cash against $819.9M long-term debt, suggesting imminent solvency stress.
Why Buy NEWTH? Key Strengths
- ROE of 15.2% demonstrates some retained profitability on shareholder capital
- Net income reported at $60.5M (up 4% YoY) indicates partial earnings generation
- Insider activity with 5 Form 4 filings suggests some management engagement
NEWTH Investment Risks to Consider
- Revenue collapsed 73.4% YoY indicating fundamental business deterioration
- Operating cash flow of -$579.2M with interest coverage at 0.5x shows inability to cover debt obligations from operations
- Critical liquidity shortage: $4.2M cash against $819.9M debt with 2.06x leverage ratio
- Negative free cash flow of -$579.3M signals unsustainable cash burn and potential refinancing failure
- Net margin of 101% and net income growth amid revenue collapse suggests non-recurring gains masking operational distress
Key Metrics to Watch
- Operating cash flow trend and path to positive generation
- Interest coverage ratio recovery above 1.0x
- Cash position sustainability and debt refinancing capacity
- Revenue stabilization and return to growth
NEWTH Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
NEWTH Profitability Ratios
NEWTH vs Finance Sector
How NewtekOne, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is NEWTH Overvalued or Undervalued?
Based on fundamental analysis, NewtekOne, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
NEWTH Balance Sheet & Liquidity
NEWTH 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: NewtekOne, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.88 reflects profitable operations.
NEWTH Growth Metrics (YoY)
NEWTH Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2014 | $34.8M | $1.8M | $0.24 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
NEWTH Capital Allocation
NEWTH SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for NewtekOne, Inc. (CIK: 0001587987)
📋 Recent SEC Filings
❓ Frequently Asked Questions about NEWTH
What is the AI rating for NEWTH?
NewtekOne, Inc. (NEWTH) has an AI rating of STRONG SELL with 88% confidence, based on fundamental analysis of SEC EDGAR filings.
What are NEWTH's key strengths?
Claude: ROE of 15.2% demonstrates some retained profitability on shareholder capital. Net income reported at $60.5M (up 4% YoY) indicates partial earnings generation.
What are the risks of investing in NEWTH?
Claude: Revenue collapsed 73.4% YoY indicating fundamental business deterioration. Operating cash flow of -$579.2M with interest coverage at 0.5x shows inability to cover debt obligations from operations.
What is NEWTH's revenue and growth?
NewtekOne, Inc. reported revenue of $59.9M.
Does NEWTH pay dividends?
NewtekOne, Inc. pays dividends, with $28.0M distributed to shareholders in the trailing twelve months.
Where can I find NEWTH SEC filings?
Official SEC filings for NewtekOne, Inc. (CIK: 0001587987) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is NEWTH's EPS?
NewtekOne, Inc. has a diluted EPS of $2.18.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is NEWTH a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, NewtekOne, Inc. has a STRONG SELL rating with 88% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is NEWTH stock overvalued or undervalued?
Valuation metrics for NEWTH: ROE of 15.2% (sector avg: 12%), net margin of 101.0% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy NEWTH stock in 2026?
Our dual AI analysis gives NewtekOne, Inc. a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is NEWTH's free cash flow?
NewtekOne, Inc.'s operating cash flow is $-579.2M, with capital expenditures of $106.0K. FCF margin is -967.4%.
How does NEWTH compare to other Finance stocks?
Vs Finance sector averages: Net margin 101.0% (avg: 25%), ROE 15.2% (avg: 12%), current ratio N/A (avg: 1.2).