📊 NEWTH Key Takeaways
Is NewtekOne, Inc. (NEWTH) a Good Investment?
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.
Fundamentals show a severe revenue contraction and deeply negative operating cash flow, while a 101% net margin likely reflects non‑recurring items rather than durable earnings power. Interest coverage below 1x and meaningful leverage raise sustainability concerns despite positive ROE and EPS growth.
NewtekOne, Inc. Key Strengths (NEWTH)
- 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
- ROE of 15.2% and ROA of 2.2% indicate solid profitability metrics
- Positive operating income and double-digit EPS growth
- Scaled asset base ($2.74B) with positive equity ($397.57M)
NEWTH Stock Risks: NewtekOne, Inc. Investment Risks
- 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
- Revenue down 73.4% YoY, indicating core growth pressure
- Interest coverage at 0.5x and leverage of 2.06x
- Operating and free cash flow deeply negative (-$579M)
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
- Interest coverage and net interest income trend
- Operating cash flow and core revenue growth ex-one-offs
NewtekOne, Inc. (NEWTH) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
NEWTH Profit Margin, ROE & Profitability Analysis
NEWTH vs Finance Sector: How NewtekOne, Inc. Compares
How NewtekOne, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is NewtekOne, Inc. Stock Overvalued? NEWTH Valuation Analysis 2026
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.
NewtekOne, Inc. Balance Sheet: NEWTH Debt, Cash & Liquidity
NEWTH Revenue & Earnings Growth: 5-Year Financial Trend
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 Revenue Growth, EPS Growth & YoY Performance
NEWTH Quarterly Earnings & 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.
NewtekOne, Inc. Dividends, Buybacks & Capital Allocation
NEWTH SEC Filings: Latest 10-K & 10-Q 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 a Combined AI Grade of C from Claude (D) and ChatGPT (C) with 75% combined 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. ChatGPT: ROE of 15.2% and ROA of 2.2% indicate solid profitability metrics. Positive operating income and double-digit EPS growth.
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. ChatGPT: Revenue down 73.4% YoY, indicating core growth pressure. Interest coverage at 0.5x and leverage of 2.06x.
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 grade reflects both perspectives for balanced insights.
What is NEWTH's fundamental grade?
Based on our AI fundamental analysis in May 2026, NewtekOne, Inc. has a C grade with 75% confidence. Review the strengths and risks sections above for full context. 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.
What is NEWTH's AI grade for 2026?
Our dual AI analysis gives NewtekOne, Inc. a combined C grade 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).
Is NewtekOne, Inc. carrying too much debt?
NEWTH has a debt-to-equity ratio of 2.06x, which is above the Finance sector average of 2x. Combined with a current ratio below 1, this warrants careful monitoring of the balance sheet.