NEWTI
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028
Financial - Credit Services
Market Cap$726M
5Y Perf.+5.1%
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Stock Comparison
NEWTI vs INTU
Revenue, margins, valuation, and 5-year total return — side by side.
INTU
Intuit Inc.
Software - Application
Market Cap$108.46B
5Y Perf.-24.0%
NEWTI vs INTU — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | NEWTI | INTU |
|---|---|---|
| Industry | Financial - Credit Services | Software - Application |
| Market Cap | $726M | $108.46B |
| Revenue (TTM) | $322M | $20.12B |
| Net Income (TTM) | $61M | $4.34B |
| Gross Margin | 75.3% | 81.2% |
| Operating Margin | 42.5% | 27.1% |
| Forward P/E | 10.9x | 16.7x |
| Total Debt | $2.24B | $6.64B |
| Cash & Equiv. | $310M | $2.88B |
NEWTI vs INTU — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
NEWTI
INTU
| Stock | Sep 23 | May 26 | Return |
|---|---|---|---|
| NewtekOne, Inc. 8.0… (NEWTI) | 100 | 105.1 | +5.1% |
| Intuit Inc. (INTU) | 100 | 76.0 | -24.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: NEWTI vs INTU
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: INTU 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. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
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
INTU
Intuit Inc.
The Growth Play
INTU carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 15.6%, EPS growth 31.1%, 3Y rev CAGR 14.0%
- 311.1% 10Y total return vs NEWTI's 23.2%
- PEG 1.15 vs NEWTI's 1.33
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | INTU | 15.6% revenue growth vs NEWTI's 1.0% |
| Value | INTU | PEG 1.15 vs 1.33 |
| Quality / Margins | INTU | 21.6% margin vs NEWTI's 18.8% |
| Stability / Safety | NEWTI | Beta 0.53 vs INTU's 0.61 |
| Dividends | NEWTI | 4.3% yield, 1-year raise streak, vs INTU's 1.1% |
| Momentum (1Y) | NEWTI | +9.7% vs INTU's -37.2% |
| Efficiency (ROA) | INTU | 12.7% ROA vs NEWTI's 2.6%, ROIC 16.5% vs 5.6% |
NEWTI vs INTU — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
NEWTI vs INTU — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLNEWTILAGGINGINTU
INTUIntuit Inc.
2leads
NEWTINewtekOne, Inc. 8.00%…
3leads
6 Total Categories
CATEGORYLEADERvs INTUMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
INTU4/5
Valuation MetricsMultiples, price ratios, and targets
NEWTI6/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
INTU7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
NEWTI5/6
Risk & VolatilityBeta, volatility, and downside exposure
NEWTI2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
INTU leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
INTU is the larger business by revenue, generating $20.1B annually — 62.5x NEWTI's $322M. Profitability is closely matched — net margins range from 21.6% (INTU) to 18.8% (NEWTI).
| Metric | NEWTINewtekOne, Inc. 8… | INTUIntuit Inc. |
|---|---|---|
| RevenueTrailing 12 months | $322M | $20.1B |
| EBITDAEarnings before interest/tax | $96M | $5.9B |
| Net IncomeAfter-tax profit | $61M | $4.3B |
| Free Cash FlowCash after capex | $15,000 | $6.8B |
| Gross MarginGross profit ÷ Revenue | +75.3% | +81.2% |
| Operating MarginEBIT ÷ Revenue | +42.5% | +27.1% |
| Net MarginNet income ÷ Revenue | +18.8% | +21.6% |
| FCF MarginFCF ÷ Revenue | +0.0% | +34.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | +17.4% |
| EPS Growth (YoY)Latest quarter vs prior year | +11.8% | +47.9% |
INTU leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
NEWTI leads this category, winning 6 of 7 comparable metrics.
Valuation Metrics
At 10.7x trailing earnings, NEWTI trades at a 62% valuation discount to INTU's 28.4x P/E. Adjusting for growth (PEG ratio), NEWTI offers better value at 1.31x vs INTU's 1.95x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | NEWTINewtekOne, Inc. 8… | INTUIntuit Inc. |
|---|---|---|
| Market CapShares × price | $726M | $108.5B |
| Enterprise ValueMkt cap + debt − cash | $2.7B | $112.2B |
| Trailing P/EPrice ÷ TTM EPS | 10.73x | 28.42x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.91x | 16.74x |
| PEG RatioP/E ÷ EPS growth rate | 1.31x | 1.95x |
| EV / EBITDAEnterprise value multiple | 19.35x | 19.58x |
| Price / SalesMarket cap ÷ Revenue | 2.25x | 5.76x |
| Price / BookPrice ÷ Book value/share | 1.63x | 5.58x |
| Price / FCFMarket cap ÷ FCF | 6537.12x | 17.83x |
NEWTI leads this category, winning 6 of 7 comparable metrics.
Profitability & Efficiency
INTU leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
INTU delivers a 22.8% return on equity — every $100 of shareholder capital generates $23 in annual profit, vs $17 for NEWTI. INTU carries lower financial leverage with a 0.34x debt-to-equity ratio, signaling a more conservative balance sheet compared to NEWTI's 5.64x. On the Piotroski fundamental quality scale (0–9), INTU scores 9/9 vs NEWTI's 4/9, reflecting strong financial health.
| Metric | NEWTINewtekOne, Inc. 8… | INTUIntuit Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +17.3% | +22.8% |
| ROA (TTM)Return on assets | +2.6% | +12.7% |
| ROICReturn on invested capital | +5.6% | +16.5% |
| ROCEReturn on capital employed | +7.4% | +19.2% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 9 |
| Debt / EquityFinancial leverage | 5.64x | 0.34x |
| Net DebtTotal debt minus cash | $1.9B | $3.8B |
| Cash & Equiv.Liquid assets | $310M | $2.9B |
| Total DebtShort + long-term debt | $2.2B | $6.6B |
| Interest CoverageEBIT ÷ Interest expense | 1.10x | 428.27x |
INTU leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
NEWTI leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in NEWTI five years ago would be worth $12,322 today (with dividends reinvested), compared to $10,311 for INTU. Over the past 12 months, NEWTI leads with a +9.7% total return vs INTU's -37.2%. The 3-year compound annual growth rate (CAGR) favors NEWTI at 7.2% vs INTU's -2.1% — a key indicator of consistent wealth creation.
| Metric | NEWTINewtekOne, Inc. 8… | INTUIntuit Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +2.3% | -37.9% |
| 1-Year ReturnPast 12 months | +9.7% | -37.2% |
| 3-Year ReturnCumulative with dividends | +23.2% | -6.1% |
| 5-Year ReturnCumulative with dividends | +23.2% | +3.1% |
| 10-Year ReturnCumulative with dividends | +23.2% | +311.1% |
| CAGR (3Y)Annualised 3-year return | +7.2% | -2.1% |
NEWTI leads this category, winning 5 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 INTU's 0.61 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. NEWTI currently trades 98.1% from its 52-week high vs INTU's 47.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | NEWTINewtekOne, Inc. 8… | INTUIntuit Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.53x | 0.61x |
| 52-Week HighHighest price in past year | $25.82 | $813.70 |
| 52-Week LowLowest price in past year | $7.20 | $342.11 |
| % of 52W HighCurrent price vs 52-week peak | +98.1% | +47.8% |
| RSI (14)Momentum oscillator 0–100 | 60.8 | 48.3 |
| Avg Volume (50D)Average daily shares traded | 2K | 3.6M |
NEWTI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — NEWTI and INTU each lead in 1 of 2 comparable metrics.
Analyst Outlook
For income investors, NEWTI offers the higher dividend yield at 4.32% vs INTU's 1.08%.
| Metric | NEWTINewtekOne, Inc. 8… | INTUIntuit Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $666.75 |
| # AnalystsCovering analysts | — | 43 |
| Dividend YieldAnnual dividend ÷ price | +4.3% | +1.1% |
| Dividend StreakConsecutive years of raises | 1 | 14 |
| Dividend / ShareAnnual DPS | $1.09 | $4.20 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.2% | +2.6% |
Evenly matched — NEWTI and INTU each lead in 1 of 2 comparable metrics.
Key Takeaway
NEWTI leads in 3 of 6 categories (Valuation Metrics, Total Returns). INTU leads in 2 (Income & Cash Flow, Profitability & Efficiency). 1 tied.
Best OverallNewtekOne, Inc. 8.00% Fixed… (NEWTI)Leads 3 of 6 categories
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NEWTI vs INTU: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is NEWTI or INTU a better buy right now?
For growth investors, Intuit Inc.
(INTU) is the stronger pick with 15. 6% revenue growth year-over-year, versus 1. 0% for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 (NEWTI). NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 (NEWTI) offers the better valuation at 10. 7x trailing P/E (10. 9x forward), making it the more compelling value choice. Analysts rate Intuit Inc. (INTU) a "Buy" — based on 43 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 INTU?
On trailing P/E, NewtekOne, Inc.
8. 00% Fixed Rate Senior Notes due 2028 (NEWTI) is the cheapest at 10. 7x versus Intuit Inc. at 28. 4x. On forward P/E, NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 is actually cheaper at 10. 9x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Intuit Inc. wins at 1. 15x versus NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028's 1. 33x — a reasonable growth-adjusted valuation.
03Which is the better long-term investment — NEWTI or INTU?
Over the past 5 years, NewtekOne, Inc.
8. 00% Fixed Rate Senior Notes due 2028 (NEWTI) delivered a total return of +23. 2%, compared to +3. 1% for Intuit Inc. (INTU). Over 10 years, the gap is even starker: INTU returned +311. 1% versus NEWTI's +23. 2%. 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 INTU?
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 Intuit Inc. 's 0. 61β — meaning INTU is approximately 14% more volatile than NEWTI relative to the S&P 500. On balance sheet safety, Intuit Inc. (INTU) carries a lower debt/equity ratio of 34% 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 INTU?
By revenue growth (latest reported year), Intuit Inc.
(INTU) is pulling ahead at 15. 6% versus 1. 0% for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 (NEWTI). On earnings-per-share growth, the picture is similar: Intuit Inc. grew EPS 31. 1% year-over-year, compared to 20. 4% for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028. 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 INTU?
Intuit Inc.
(INTU) is the more profitable company, earning 20. 5% net margin versus 18. 8% for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 — meaning it keeps 20. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NEWTI leads at 42. 5% versus 26. 1% for INTU. At the gross margin level — before operating expenses — INTU leads at 80. 8%, 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 INTU 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, Intuit Inc. (INTU) is the more undervalued stock at a PEG of 1. 15x versus NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028's 1. 33x. A PEG below 1. 5 suggests fair-to-attractive pricing relative to expected growth. On forward earnings alone, NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 (NEWTI) trades at 10. 9x forward P/E versus 16. 7x for Intuit Inc. — 5. 8x cheaper on a one-year earnings basis.
08Which pays a better dividend — NEWTI or INTU?
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 1. 1% for Intuit Inc. (INTU).
09Is NEWTI or INTU better for a retirement portfolio?
For long-horizon retirement investors, Intuit Inc.
(INTU) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 61), 1. 1% yield, +311. 1% 10Y return). Both have compounded well over 10 years (INTU: +311. 1%, NEWTI: +23. 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 INTU?
These companies operate in different sectors (NEWTI (Financial Services) and INTU (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: NEWTI is a small-cap deep-value stock; INTU 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% · INTU: 17.4%)Net Margin>
%
(NEWTI: 18.8% · INTU: 21.6%)P/E Ratio<
x
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