NEWT

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NewtekOne, Inc.

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Key Metrics

Previous Close: $12.60
52-Week Range: $9.59 – $15.69
Market Cap: $361.06M
P/E (TTM): 5.66
EPS (TTM): 2.21
Dividend Yield: 6.03%

Advanced Metrics

Price/Book: 0.99
PEG Ratio: 3.20
Return on Equity: 18.04%
Return on Assets: 5.18%
Gross Margin: 86.29%
Operating Margin: 52.05%
Profit Margin: 16.10%
Current Ratio: 18.23
Debt/Equity: 1.35
Total Debt: $556.84M
Free Cash Flow: $-605.17M
Revenue Growth: 14.70%
Earnings Growth: -9.60%
Enterprise Value: $593.82M

NEWT Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$105.17M	$185.08M	$237.74M	$266.99M
Selling, General & Admin	$27.86M	$88.06M	$99.20M	$113.41M
Operating Expenses	$66.39M	—	—	—
Pretax Income	$38.77M	$45.37M	$68.69M	$79.98M
Income Tax	$6.46M	-$1.96M	$17.84M	$19.46M
Net Income	$32.31M	$47.33M	$50.85M	$60.51M
Diluted EPS	1.34	1.88	1.96	2.18
Diluted Shares	24.20M	24.35M	25.19M	26.71M

NEWT Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$53.69M	$153.09M	$353.15M	$283.81M
Receivables	$0.00	$136.83M	$106.73M	$39.11M
Total Assets	$998.90M	$1.43B	$2.06B	$2.74B
Long-Term Debt	$445.54M	$582.86M	$609.80M	$601.40M
Total Debt	$547.30M	$651.07M	$714.54M	$822.76M
Total Liabilities	$623.54M	$1.18B	$1.76B	$2.35B
Retained Earnings	$20.62M	$28.05M	$57.77M	$94.99M
Shareholders' Equity	$375.36M	$249.05M	$296.28M	$397.57M
Net Debt	$485.63M	$491.04M	$354.89M	$536.07M

NEWT Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	-$62.42M	-$169.22M	-$153.01M	-$579.24M
Capital Expenditure	-$11.00K	-$458.00K	-$439.00K	-$106.00K
Free Cash Flow	-$62.43M	-$169.68M	-$153.45M	-$579.35M
Depreciation & Amortisation	$239.00K	$2.88M	$1.78M	$668.00K
Stock-Based Compensation	$0.00	$2.83M	$4.06M	$4.10M
Investing Cash Flow	-$11.00K	-$172.24M	-$209.05M	-$245.29M
Financing Cash Flow	$1.18M	$344.97M	$560.90M	$753.45M
Dividends Paid	-$64.54M	-$14.15M	-$20.25M	-$28.04M
Share Repurchases	$0.00	$0.00	-$402.00K	-$1.49M
Net Change in Cash	-$61.25M	$3.52M	$198.83M	-$71.08M

NEWT Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$61.88M	$65.77M	$70.51M	$68.83M	$66.84M
Selling, General & Admin	$26.15M	$30.02M	$26.86M	$27.80M	$28.36M
Pretax Income	$11.65M	$18.77M	$25.07M	$24.49M	$17.09M
Income Tax	$2.28M	$5.07M	$7.17M	$4.95M	$3.69M
Net Income	$9.37M	$13.70M	$17.90M	$19.54M	$13.40M
Diluted EPS	0.35	0.52	0.67	—	0.43
Diluted Shares	25.55M	25.65M	26.04M	—	28.67M

NEWT Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$269.98M	$190.14M	$192.19M	$283.81M	$380.82M
Receivables	$56.77M	$61.43M	$43.66M	$39.11M	$86.83M
Total Assets	$2.14B	$2.13B	$2.40B	$2.74B	$2.89B
Long-Term Debt	$599.45M	$582.13M	$613.16M	$601.40M	$515.73M
Total Debt	$780.00M	$659.74M	$750.87M	$822.76M	$553.23M
Total Liabilities	$1.83B	$1.81B	$2.01B	$2.35B	$2.48B
Retained Earnings	$61.54M	$70.00M	$81.98M	$94.99M	$101.84M
Shareholders' Equity	$302.28M	$312.18M	$386.71M	$397.57M	$404.69M
Net Debt	$504.01M	$467.19M	$556.36M	$536.07M	$169.65M

NEWT Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	-$60.70M	-$199.81M	-$167.32M	-$151.41M	-$257.46M
Capital Expenditure	-$37.00K	-$54.00K	-$5.00K	-$10.00K	-$89.00K
Free Cash Flow	-$60.74M	-$199.87M	-$167.32M	-$151.41M	-$257.55M
Depreciation & Amortisation	$146.00K	$274.00K	$129.00K	$119.00K	$36.00K
Stock-Based Compensation	$1.83M	$1.56M	$618.00K	$89.00K	$565.00K
Investing Cash Flow	-$79.25M	-$44.83M	-$69.80M	-$51.42M	-$85.26M
Financing Cash Flow	$52.71M	$163.80M	$240.76M	$296.18M	$435.45M
Dividends Paid	-$5.23M	-$5.24M	-$5.71M	-$11.87M	-$6.48M
Share Repurchases	—	—	$0.00	-$1.32M	—
Net Change in Cash	-$87.24M	-$80.84M	$3.64M	$93.36M	$92.72M

Market Snapshot

About

NewtekOne is a business development company and fintech platform providing financial services to small and medium-sized businesses. The company originates SBA loans, merchant processing, insurance, and other business solutions, generating income from its diversified lending and service portfolio.