NEWTI
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028
Financial - Credit Services
Market Cap$729M
5Y Perf.+5.6%
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Stock Comparison
NEWTI vs ARCC
Revenue, margins, valuation, and 5-year total return — side by side.
ARCC
Ares Capital Corporation
Asset Management
Market Cap$13.61B
5Y Perf.-2.6%
NEWTI vs ARCC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | NEWTI | ARCC |
|---|---|---|
| Industry | Financial - Credit Services | Asset Management |
| Market Cap | $729M | $13.61B |
| Revenue (TTM) | $322M | $3.15B |
| Net Income (TTM) | $61M | $1.15B |
| Gross Margin | 75.3% | 75.7% |
| Operating Margin | 42.5% | 69.7% |
| Forward P/E | 11.0x | 9.9x |
| Total Debt | $2.24B | $15.99B |
| Cash & Equiv. | $310M | $924M |
NEWTI vs ARCC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
NEWTI
ARCC
| Stock | Sep 23 | May 26 | Return |
|---|---|---|---|
| NewtekOne, Inc. 8.0… (NEWTI) | 100 | 105.6 | +5.6% |
| Ares Capital Corpor… (ARCC) | 100 | 97.4 | -2.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: NEWTI vs ARCC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: ARCC leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 is the stronger pick specifically for capital preservation and lower volatility and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
NEWTI
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028
The Banking Pick
NEWTI is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta 0.53, yield 4.3%
- Lower volatility, beta 0.53, current ratio 7.23x
- Beta 0.53, yield 4.3%, current ratio 7.23x
Best for: income & stability and sleep-well-at-night
ARCC
Ares Capital Corporation
The Banking Pick
ARCC carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 32.9%, EPS growth -23.8%
- 139.2% 10Y total return vs NEWTI's 23.7%
- PEG 0.96 vs NEWTI's 1.33
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | ARCC | 32.9% NII/revenue growth vs NEWTI's 1.0% |
| Value | ARCC | Lower P/E (9.9x vs 11.0x), PEG 0.96 vs 1.33 |
| Quality / Margins | ARCC | Efficiency ratio 0.1% vs NEWTI's 0.3% (lower = leaner) |
| Stability / Safety | NEWTI | Beta 0.53 vs ARCC's 0.77 |
| Dividends | NEWTI | 4.3% yield, 1-year raise streak, vs ARCC's 2.0% |
| Momentum (1Y) | NEWTI | +10.4% vs ARCC's +0.4% |
| Efficiency (ROA) | ARCC | Efficiency ratio 0.1% vs NEWTI's 0.3% |
NEWTI vs ARCC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLARCCLAGGINGNEWTI
NEWTINewtekOne, Inc. 8.00%…
2leads
ARCCAres Capital Corporat…
4leads
6 Total Categories
CATEGORYLEADERvs NEWTIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
ARCC4/5
Valuation MetricsMultiples, price ratios, and targets
ARCC6/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
ARCC5/8
Total Returns1Y, 3Y, 5Y total returns with dividends
ARCC4/6
Risk & VolatilityBeta, volatility, and downside exposure
NEWTI2/2
Analyst OutlookRatings, price targets, and dividends
NEWTI2/2
Income & Cash Flow (Last 12 Months)
ARCC leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
ARCC is the larger business by revenue, generating $3.1B annually — 9.8x NEWTI's $322M. ARCC is the more profitable business, keeping 41.3% of every revenue dollar as net income compared to NEWTI's 18.8%.
| Metric | NEWTINewtekOne, Inc. 8… | ARCCAres Capital Corp… |
|---|---|---|
| RevenueTrailing 12 months | $322M | $3.1B |
| EBITDAEarnings before interest/tax | $96M | $2.0B |
| Net IncomeAfter-tax profit | $61M | $1.1B |
| Free Cash FlowCash after capex | $15,000 | $1.1B |
| Gross MarginGross profit ÷ Revenue | +75.3% | +75.7% |
| Operating MarginEBIT ÷ Revenue | +42.5% | +69.7% |
| Net MarginNet income ÷ Revenue | +18.8% | +41.3% |
| FCF MarginFCF ÷ Revenue | +0.0% | +36.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +11.8% | -63.9% |
ARCC leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
ARCC leads this category, winning 6 of 7 comparable metrics.
Valuation Metrics
At 10.2x trailing earnings, ARCC trades at a 5% valuation discount to NEWTI's 10.8x P/E. Adjusting for growth (PEG ratio), ARCC offers better value at 0.99x vs NEWTI's 1.31x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | NEWTINewtekOne, Inc. 8… | ARCCAres Capital Corp… |
|---|---|---|
| Market CapShares × price | $729M | $13.6B |
| Enterprise ValueMkt cap + debt − cash | $2.7B | $28.7B |
| Trailing P/EPrice ÷ TTM EPS | 10.78x | 10.19x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.96x | 9.92x |
| PEG RatioP/E ÷ EPS growth rate | 1.31x | 0.99x |
| EV / EBITDAEnterprise value multiple | 19.37x | 13.09x |
| Price / SalesMarket cap ÷ Revenue | 2.26x | 4.33x |
| Price / BookPrice ÷ Book value/share | 1.64x | 0.93x |
| Price / FCFMarket cap ÷ FCF | 6566.81x | 11.92x |
ARCC leads this category, winning 6 of 7 comparable metrics.
Profitability & Efficiency
ARCC leads this category, winning 5 of 8 comparable metrics.
Profitability & Efficiency
NEWTI delivers a 17.3% return on equity — every $100 of shareholder capital generates $17 in annual profit, vs $8 for ARCC. ARCC carries lower financial leverage with a 1.12x debt-to-equity ratio, signaling a more conservative balance sheet compared to NEWTI's 5.64x.
| Metric | NEWTINewtekOne, Inc. 8… | ARCCAres Capital Corp… |
|---|---|---|
| ROE (TTM)Return on equity | +17.3% | +8.1% |
| ROA (TTM)Return on assets | +2.6% | +3.8% |
| ROICReturn on invested capital | +5.6% | +5.7% |
| ROCEReturn on capital employed | +7.4% | +7.5% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 4 |
| Debt / EquityFinancial leverage | 5.64x | 1.12x |
| Net DebtTotal debt minus cash | $1.9B | $15.1B |
| Cash & Equiv.Liquid assets | $310M | $924M |
| Total DebtShort + long-term debt | $2.2B | $16.0B |
| Interest CoverageEBIT ÷ Interest expense | 1.10x | 2.98x |
ARCC leads this category, winning 5 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
ARCC leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ARCC five years ago would be worth $14,704 today (with dividends reinvested), compared to $12,369 for NEWTI. Over the past 12 months, NEWTI leads with a +10.4% total return vs ARCC's +0.4%. The 3-year compound annual growth rate (CAGR) favors ARCC at 10.3% vs NEWTI's 7.3% — a key indicator of consistent wealth creation.
| Metric | NEWTINewtekOne, Inc. 8… | ARCCAres Capital Corp… |
|---|---|---|
| YTD ReturnYear-to-date | +2.7% | -4.9% |
| 1-Year ReturnPast 12 months | +10.4% | +0.4% |
| 3-Year ReturnCumulative with dividends | +23.7% | +34.2% |
| 5-Year ReturnCumulative with dividends | +23.7% | +47.0% |
| 10-Year ReturnCumulative with dividends | +23.7% | +139.2% |
| CAGR (3Y)Annualised 3-year return | +7.3% | +10.3% |
ARCC leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
NEWTI leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
NEWTI is the less volatile stock with a 0.53 beta — it tends to amplify market swings less than ARCC's 0.77 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. NEWTI currently trades 98.5% from its 52-week high vs ARCC's 81.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | NEWTINewtekOne, Inc. 8… | ARCCAres Capital Corp… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.53x | 0.77x |
| 52-Week HighHighest price in past year | $25.82 | $23.42 |
| 52-Week LowLowest price in past year | $7.20 | $17.40 |
| % of 52W HighCurrent price vs 52-week peak | +98.5% | +81.0% |
| RSI (14)Momentum oscillator 0–100 | 60.8 | 56.7 |
| Avg Volume (50D)Average daily shares traded | 2K | 7.5M |
NEWTI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
NEWTI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
For income investors, NEWTI offers the higher dividend yield at 4.30% vs ARCC's 2.02%.
| Metric | NEWTINewtekOne, Inc. 8… | ARCCAres Capital Corp… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $21.88 |
| # AnalystsCovering analysts | — | 32 |
| Dividend YieldAnnual dividend ÷ price | +4.3% | +2.0% |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | $1.09 | $0.38 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.2% | 0.0% |
NEWTI leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
ARCC leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). NEWTI leads in 2 (Risk & Volatility, Analyst Outlook).
Best OverallAres Capital Corporation (ARCC)Leads 4 of 6 categories
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NEWTI vs ARCC: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is NEWTI or ARCC a better buy right now?
For growth investors, Ares Capital Corporation (ARCC) is the stronger pick with 32.
9% revenue growth year-over-year, versus 1. 0% for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 (NEWTI). Ares Capital Corporation (ARCC) offers the better valuation at 10. 2x trailing P/E (9. 9x forward), making it the more compelling value choice. Analysts rate Ares Capital Corporation (ARCC) a "Buy" — based on 32 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — NEWTI or ARCC?
On trailing P/E, Ares Capital Corporation (ARCC) is the cheapest at 10.
2x versus NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 at 10. 8x. On forward P/E, Ares Capital Corporation is actually cheaper at 9. 9x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Ares Capital Corporation wins at 0. 96x versus NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028's 1. 33x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — NEWTI or ARCC?
Over the past 5 years, Ares Capital Corporation (ARCC) delivered a total return of +47.
0%, compared to +23. 7% for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 (NEWTI). Over 10 years, the gap is even starker: ARCC returned +139. 2% versus NEWTI's +23. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — NEWTI or ARCC?
By beta (market sensitivity over 5 years), NewtekOne, Inc.
8. 00% Fixed Rate Senior Notes due 2028 (NEWTI) is the lower-risk stock at 0. 53β versus Ares Capital Corporation's 0. 77β — meaning ARCC is approximately 45% more volatile than NEWTI relative to the S&P 500. On balance sheet safety, Ares Capital Corporation (ARCC) carries a lower debt/equity ratio of 112% versus 6% for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 — giving it more financial flexibility in a downturn.
05Which is growing faster — NEWTI or ARCC?
By revenue growth (latest reported year), Ares Capital Corporation (ARCC) is pulling ahead at 32.
9% versus 1. 0% for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 (NEWTI). On earnings-per-share growth, the picture is similar: NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 grew EPS 20. 4% year-over-year, compared to -23. 8% for Ares Capital Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — NEWTI or ARCC?
Ares Capital Corporation (ARCC) is the more profitable company, earning 41.
3% net margin versus 18. 8% for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 — meaning it keeps 41. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ARCC leads at 69. 7% versus 42. 5% for NEWTI. At the gross margin level — before operating expenses — ARCC leads at 75. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is NEWTI or ARCC more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, Ares Capital Corporation (ARCC) is the more undervalued stock at a PEG of 0. 96x versus NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028's 1. 33x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Ares Capital Corporation (ARCC) trades at 9. 9x forward P/E versus 11. 0x for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 — 1. 0x cheaper on a one-year earnings basis.
08Which pays a better dividend — NEWTI or ARCC?
All stocks in this comparison pay dividends.
NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 (NEWTI) offers the highest yield at 4. 3%, versus 2. 0% for Ares Capital Corporation (ARCC).
09Is NEWTI or ARCC better for a retirement portfolio?
For long-horizon retirement investors, NewtekOne, Inc.
8. 00% Fixed Rate Senior Notes due 2028 (NEWTI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 53), 4. 3% yield). Both have compounded well over 10 years (NEWTI: +23. 7%, ARCC: +139. 2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between NEWTI and ARCC?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: NEWTI is a small-cap deep-value stock; ARCC is a mid-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(NEWTI: 1.0% · ARCC: 32.9%)Net Margin>
%
(NEWTI: 18.8% · ARCC: 41.3%)P/E Ratio<
x
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