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 HTGC
Revenue, margins, valuation, and 5-year total return — side by side.
HTGC
Hercules Capital, Inc.
Asset Management
Market Cap$3.07B
5Y Perf.-0.1%
NEWTI vs HTGC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | NEWTI | HTGC |
|---|---|---|
| Industry | Financial - Credit Services | Asset Management |
| Market Cap | $729M | $3.07B |
| Revenue (TTM) | $322M | $547M |
| Net Income (TTM) | $61M | $289M |
| Gross Margin | 75.3% | 87.2% |
| Operating Margin | 42.5% | 66.7% |
| Forward P/E | 11.0x | 8.4x |
| Total Debt | $2.24B | $2.30B |
| Cash & Equiv. | $310M | $57M |
NEWTI vs HTGC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
NEWTI
HTGC
| Stock | Sep 23 | May 26 | Return |
|---|---|---|---|
| NewtekOne, Inc. 8.0… (NEWTI) | 100 | 105.6 | +5.6% |
| Hercules Capital, I… (HTGC) | 100 | 99.9 | -0.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: NEWTI vs HTGC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: HTGC leads in 5 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 recent price momentum and sentiment. 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
HTGC
Hercules Capital, Inc.
The Banking Pick
HTGC carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 27.0%, EPS growth 14.9%
- 171.6% 10Y total return vs NEWTI's 23.7%
- NIM 9.1% vs NEWTI's 3.8%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | HTGC | 27.0% NII/revenue growth vs NEWTI's 1.0% |
| Value | HTGC | Lower P/E (8.4x vs 11.0x) |
| Quality / Margins | HTGC | Efficiency ratio 0.2% vs NEWTI's 0.3% (lower = leaner) |
| Stability / Safety | NEWTI | Beta 0.53 vs HTGC's 0.69 |
| Dividends | HTGC | 8.6% yield, vs NEWTI's 4.3% |
| Momentum (1Y) | NEWTI | +10.4% vs HTGC's +6.6% |
| Efficiency (ROA) | HTGC | Efficiency ratio 0.2% vs NEWTI's 0.3% |
NEWTI vs HTGC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLHTGCLAGGINGNEWTI
NEWTINewtekOne, Inc. 8.00%…
1leads
HTGCHercules Capital, Inc.
4leads
6 Total Categories
CATEGORYLEADERvs NEWTIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
HTGC3/5
Valuation MetricsMultiples, price ratios, and targets
HTGC4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
HTGC6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
HTGC4/6
Risk & VolatilityBeta, volatility, and downside exposure
NEWTI2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
HTGC leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
HTGC is the larger business by revenue, generating $547M annually — 1.7x NEWTI's $322M. HTGC is the more profitable business, keeping 62.1% of every revenue dollar as net income compared to NEWTI's 18.8%.
| Metric | NEWTINewtekOne, Inc. 8… | HTGCHercules Capital,… |
|---|---|---|
| RevenueTrailing 12 months | $322M | $547M |
| EBITDAEarnings before interest/tax | $96M | $381M |
| Net IncomeAfter-tax profit | $61M | $289M |
| Free Cash FlowCash after capex | $15,000 | -$352M |
| Gross MarginGross profit ÷ Revenue | +75.3% | +87.2% |
| Operating MarginEBIT ÷ Revenue | +42.5% | +66.7% |
| Net MarginNet income ÷ Revenue | +18.8% | +62.1% |
| FCF MarginFCF ÷ Revenue | +0.0% | -77.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +11.8% | -20.7% |
HTGC leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
HTGC leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
At 8.9x trailing earnings, HTGC trades at a 18% valuation discount to NEWTI's 10.8x P/E. On an enterprise value basis, HTGC's 14.5x EV/EBITDA is more attractive than NEWTI's 19.4x.
| Metric | NEWTINewtekOne, Inc. 8… | HTGCHercules Capital,… |
|---|---|---|
| Market CapShares × price | $729M | $3.1B |
| Enterprise ValueMkt cap + debt − cash | $2.7B | $5.3B |
| Trailing P/EPrice ÷ TTM EPS | 10.78x | 8.86x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.96x | 8.41x |
| PEG RatioP/E ÷ EPS growth rate | 1.31x | — |
| EV / EBITDAEnterprise value multiple | 19.37x | 14.54x |
| Price / SalesMarket cap ÷ Revenue | 2.26x | 5.61x |
| Price / BookPrice ÷ Book value/share | 1.64x | 1.44x |
| Price / FCFMarket cap ÷ FCF | 6566.81x | — |
HTGC leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
HTGC leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
NEWTI delivers a 17.3% return on equity — every $100 of shareholder capital generates $17 in annual profit, vs $13 for HTGC. HTGC carries lower financial leverage with a 1.04x debt-to-equity ratio, signaling a more conservative balance sheet compared to NEWTI's 5.64x. On the Piotroski fundamental quality scale (0–9), HTGC scores 5/9 vs NEWTI's 4/9, reflecting solid financial health.
| Metric | NEWTINewtekOne, Inc. 8… | HTGCHercules Capital,… |
|---|---|---|
| ROE (TTM)Return on equity | +17.3% | +13.2% |
| ROA (TTM)Return on assets | +2.6% | +6.4% |
| ROICReturn on invested capital | +5.6% | +6.6% |
| ROCEReturn on capital employed | +7.4% | +8.8% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 5.64x | 1.04x |
| Net DebtTotal debt minus cash | $1.9B | $2.2B |
| Cash & Equiv.Liquid assets | $310M | $57M |
| Total DebtShort + long-term debt | $2.2B | $2.3B |
| Interest CoverageEBIT ÷ Interest expense | 1.10x | 4.34x |
HTGC leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
HTGC leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in HTGC five years ago would be worth $14,683 today (with dividends reinvested), compared to $12,369 for NEWTI. Over the past 12 months, NEWTI leads with a +10.4% total return vs HTGC's +6.6%. The 3-year compound annual growth rate (CAGR) favors HTGC at 17.9% vs NEWTI's 7.3% — a key indicator of consistent wealth creation.
| Metric | NEWTINewtekOne, Inc. 8… | HTGCHercules Capital,… |
|---|---|---|
| YTD ReturnYear-to-date | +2.7% | -10.6% |
| 1-Year ReturnPast 12 months | +10.4% | +6.6% |
| 3-Year ReturnCumulative with dividends | +23.7% | +63.9% |
| 5-Year ReturnCumulative with dividends | +23.7% | +46.8% |
| 10-Year ReturnCumulative with dividends | +23.7% | +171.6% |
| CAGR (3Y)Annualised 3-year return | +7.3% | +17.9% |
HTGC 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 HTGC's 0.69 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 HTGC's 83.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | NEWTINewtekOne, Inc. 8… | HTGCHercules Capital,… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.53x | 0.69x |
| 52-Week HighHighest price in past year | $25.82 | $19.67 |
| 52-Week LowLowest price in past year | $7.20 | $13.70 |
| % of 52W HighCurrent price vs 52-week peak | +98.5% | +83.4% |
| RSI (14)Momentum oscillator 0–100 | 60.8 | 64.7 |
| Avg Volume (50D)Average daily shares traded | 2K | 2.5M |
NEWTI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — NEWTI and HTGC each lead in 1 of 2 comparable metrics.
Analyst Outlook
For income investors, HTGC offers the higher dividend yield at 8.64% vs NEWTI's 4.30%.
| Metric | NEWTINewtekOne, Inc. 8… | HTGCHercules Capital,… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $18.92 |
| # AnalystsCovering analysts | — | 31 |
| Dividend YieldAnnual dividend ÷ price | +4.3% | +8.6% |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | $1.09 | $1.42 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.2% | +0.2% |
Evenly matched — NEWTI and HTGC each lead in 1 of 2 comparable metrics.
Key Takeaway
HTGC leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). NEWTI leads in 1 (Risk & Volatility). 1 tied.
Best OverallHercules Capital, Inc. (HTGC)Leads 4 of 6 categories
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NEWTI vs HTGC: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is NEWTI or HTGC a better buy right now?
For growth investors, Hercules Capital, Inc.
(HTGC) is the stronger pick with 27. 0% revenue growth year-over-year, versus 1. 0% for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 (NEWTI). Hercules Capital, Inc. (HTGC) offers the better valuation at 8. 9x trailing P/E (8. 4x forward), making it the more compelling value choice. Analysts rate Hercules Capital, Inc. (HTGC) a "Buy" — based on 31 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 HTGC?
On trailing P/E, Hercules Capital, Inc.
(HTGC) is the cheapest at 8. 9x versus NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 at 10. 8x. On forward P/E, Hercules Capital, Inc. is actually cheaper at 8. 4x.
03Which is the better long-term investment — NEWTI or HTGC?
Over the past 5 years, Hercules Capital, Inc.
(HTGC) delivered a total return of +46. 8%, compared to +23. 7% for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 (NEWTI). Over 10 years, the gap is even starker: HTGC returned +171. 6% 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 HTGC?
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 Hercules Capital, Inc. 's 0. 69β — meaning HTGC is approximately 29% more volatile than NEWTI relative to the S&P 500. On balance sheet safety, Hercules Capital, Inc. (HTGC) carries a lower debt/equity ratio of 104% 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 HTGC?
By revenue growth (latest reported year), Hercules Capital, Inc.
(HTGC) is pulling ahead at 27. 0% 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 14. 9% for Hercules Capital, Inc.. 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 HTGC?
Hercules Capital, Inc.
(HTGC) is the more profitable company, earning 62. 1% net margin versus 18. 8% for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 — meaning it keeps 62. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HTGC leads at 66. 7% versus 42. 5% for NEWTI. At the gross margin level — before operating expenses — HTGC leads at 87. 2%, 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 HTGC more undervalued right now?
On forward earnings alone, Hercules Capital, Inc.
(HTGC) trades at 8. 4x forward P/E versus 11. 0x for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 — 2. 5x cheaper on a one-year earnings basis.
08Which pays a better dividend — NEWTI or HTGC?
All stocks in this comparison pay dividends.
Hercules Capital, Inc. (HTGC) offers the highest yield at 8. 6%, versus 4. 3% for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 (NEWTI).
09Is NEWTI or HTGC 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%, HTGC: +171. 6%), 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 HTGC?
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; HTGC is a small-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% · HTGC: 27.0%)Net Margin>
%
(NEWTI: 18.8% · HTGC: 62.1%)P/E Ratio<
x
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