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 NEWT
Revenue, margins, valuation, and 5-year total return — side by side.
NEWT
NewtekOne, Inc.
Asset Management
Market Cap$389M
5Y Perf.-8.6%
NEWTI vs NEWT — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | NEWTI | NEWT |
|---|---|---|
| Industry | Financial - Credit Services | Asset Management |
| Market Cap | $726M | $389M |
| Revenue (TTM) | $322M | $322M |
| Net Income (TTM) | $61M | $61M |
| Gross Margin | 75.3% | 75.3% |
| Operating Margin | 42.5% | 42.5% |
| Forward P/E | 10.9x | 5.8x |
| Total Debt | $2.24B | $823M |
| Cash & Equiv. | $310M | $284M |
NEWTI vs NEWT — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
NEWTI
NEWT
| Stock | Sep 23 | May 26 | Return |
|---|---|---|---|
| NewtekOne, Inc. 8.0… (NEWTI) | 100 | 105.1 | +5.1% |
| NewtekOne, Inc. (NEWT) | 100 | 91.4 | -8.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: NEWTI vs NEWT
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: NEWTI leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. NewtekOne, Inc. is the stronger pick specifically for valuation and capital efficiency 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 carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 1 yrs, beta 0.53, yield 4.3%
- Rev growth 1.0%, EPS growth 20.4%
- Lower volatility, beta 0.53, current ratio 7.23x
Best for: income & stability and growth exposure
NEWT
NewtekOne, Inc.
The Banking Pick
NEWT is the clearest fit if your priority is long-term compounding and valuation efficiency.
- 136.5% 10Y total return vs NEWTI's 23.2%
- PEG 0.71 vs NEWTI's 1.33
- Lower P/E (5.8x vs 10.9x), PEG 0.71 vs 1.33
Best for: long-term compounding and valuation efficiency
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | NEWTI | 1.0% NII/revenue growth vs NEWT's 1.0% |
| Value | NEWT | Lower P/E (5.8x vs 10.9x), PEG 0.71 vs 1.33 |
| Quality / Margins | NEWTI | Efficiency ratio 0.3% vs NEWT's 0.3% (lower = leaner) |
| Stability / Safety | NEWTI | Beta 0.53 vs NEWT's 1.69 |
| Dividends | NEWT | 8.1% yield, 1-year raise streak, vs NEWTI's 4.3% |
| Momentum (1Y) | NEWT | +49.3% vs NEWTI's +9.7% |
| Efficiency (ROA) | NEWTI | Efficiency ratio 0.3% vs NEWT's 0.3% |
NEWTI vs NEWT — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLNEWTLAGGINGNEWTI
NEWTINewtekOne, Inc. 8.00%…
1leads
NEWTNewtekOne, Inc.
5leads
6 Total Categories
CATEGORYLEADERvs NEWTIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
NEWT1/1
Valuation MetricsMultiples, price ratios, and targets
NEWT7/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
NEWT5/5
Total Returns1Y, 3Y, 5Y total returns with dividends
NEWT5/6
Risk & VolatilityBeta, volatility, and downside exposure
NEWTI2/2
Analyst OutlookRatings, price targets, and dividends
NEWT1/1
Income & Cash Flow (Last 12 Months)
NEWT leads this category, winning 1 of 1 comparable metric.
Income & Cash Flow (Last 12 Months)
NEWTI and NEWT operate at a comparable scale, with $322M and $322M in trailing revenue. Profitability is closely matched — net margins range from 18.8% (NEWTI) to 18.8% (NEWT).
| Metric | NEWTINewtekOne, Inc. 8… | NEWTNewtekOne, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $322M | $322M |
| EBITDAEarnings before interest/tax | $96M | $96M |
| Net IncomeAfter-tax profit | $61M | $61M |
| Free Cash FlowCash after capex | $15,000 | -$405M |
| Gross MarginGross profit ÷ Revenue | +75.3% | +75.3% |
| Operating MarginEBIT ÷ Revenue | +42.5% | +42.5% |
| Net MarginNet income ÷ Revenue | +18.8% | +18.8% |
| FCF MarginFCF ÷ Revenue | +0.0% | +17.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +11.8% | +11.8% |
NEWT leads this category, winning 1 of 1 comparable metric.
Valuation Metrics
NEWT leads this category, winning 7 of 7 comparable metrics.
Valuation Metrics
At 5.7x trailing earnings, NEWT trades at a 47% valuation discount to NEWTI's 10.7x P/E. Adjusting for growth (PEG ratio), NEWT offers better value at 0.69x vs NEWTI's 1.31x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | NEWTINewtekOne, Inc. 8… | NEWTNewtekOne, Inc. |
|---|---|---|
| Market CapShares × price | $726M | $389M |
| Enterprise ValueMkt cap + debt − cash | $2.7B | $928M |
| Trailing P/EPrice ÷ TTM EPS | 10.73x | 5.71x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.91x | 5.85x |
| PEG RatioP/E ÷ EPS growth rate | 1.31x | 0.69x |
| EV / EBITDAEnterprise value multiple | 19.35x | 6.75x |
| Price / SalesMarket cap ÷ Revenue | 2.25x | 1.21x |
| Price / BookPrice ÷ Book value/share | 1.63x | 0.87x |
| Price / FCFMarket cap ÷ FCF | 6537.12x | 6.96x |
NEWT leads this category, winning 7 of 7 comparable metrics.
Profitability & Efficiency
NEWT leads this category, winning 5 of 5 comparable metrics.
Profitability & Efficiency
NEWTI delivers a 17.3% return on equity — every $100 of shareholder capital generates $17 in annual profit, vs $17 for NEWT. NEWT carries lower financial leverage with a 2.07x debt-to-equity ratio, signaling a more conservative balance sheet compared to NEWTI's 5.64x.
| Metric | NEWTINewtekOne, Inc. 8… | NEWTNewtekOne, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +17.3% | +17.3% |
| ROA (TTM)Return on assets | +2.6% | +2.6% |
| ROICReturn on invested capital | +5.6% | +9.2% |
| ROCEReturn on capital employed | +7.4% | +13.6% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 4 |
| Debt / EquityFinancial leverage | 5.64x | 2.07x |
| Net DebtTotal debt minus cash | $1.9B | $539M |
| Cash & Equiv.Liquid assets | $310M | $284M |
| Total DebtShort + long-term debt | $2.2B | $823M |
| Interest CoverageEBIT ÷ Interest expense | 1.10x | 1.10x |
NEWT leads this category, winning 5 of 5 comparable metrics.
Total Returns (Dividends Reinvested)
NEWT 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 $7,635 for NEWT. Over the past 12 months, NEWT leads with a +49.3% total return vs NEWTI's +9.7%. The 3-year compound annual growth rate (CAGR) favors NEWT at 10.2% vs NEWTI's 7.2% — a key indicator of consistent wealth creation.
| Metric | NEWTINewtekOne, Inc. 8… | NEWTNewtekOne, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +2.3% | +19.6% |
| 1-Year ReturnPast 12 months | +9.7% | +49.3% |
| 3-Year ReturnCumulative with dividends | +23.2% | +33.8% |
| 5-Year ReturnCumulative with dividends | +23.2% | -23.6% |
| 10-Year ReturnCumulative with dividends | +23.2% | +136.5% |
| CAGR (3Y)Annualised 3-year return | +7.2% | +10.2% |
NEWT 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 NEWT's 1.69 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 NEWT's 90.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | NEWTINewtekOne, Inc. 8… | NEWTNewtekOne, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.53x | 1.69x |
| 52-Week HighHighest price in past year | $25.82 | $14.91 |
| 52-Week LowLowest price in past year | $7.20 | $9.51 |
| % of 52W HighCurrent price vs 52-week peak | +98.1% | +90.4% |
| RSI (14)Momentum oscillator 0–100 | 60.8 | 57.2 |
| Avg Volume (50D)Average daily shares traded | 2K | 205K |
NEWTI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
NEWT leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
For income investors, NEWT offers the higher dividend yield at 8.11% vs NEWTI's 4.32%.
| Metric | NEWTINewtekOne, Inc. 8… | NEWTNewtekOne, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $14.00 |
| # AnalystsCovering analysts | — | 9 |
| Dividend YieldAnnual dividend ÷ price | +4.3% | +8.1% |
| Dividend StreakConsecutive years of raises | 1 | 1 |
| Dividend / ShareAnnual DPS | $1.09 | $1.09 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.2% | +0.4% |
NEWT leads this category, winning 1 of 1 comparable metric.
Key Takeaway
NEWT leads in 5 of 6 categories (Income & Cash Flow, Valuation Metrics). NEWTI leads in 1 (Risk & Volatility).
Best OverallNewtekOne, Inc. (NEWT)Leads 5 of 6 categories
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NEWTI vs NEWT: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is NEWTI or NEWT a better buy right now?
For growth investors, NewtekOne, Inc.
8. 00% Fixed Rate Senior Notes due 2028 (NEWTI) is the stronger pick with 1. 0% revenue growth year-over-year, versus 1. 0% for NewtekOne, Inc. (NEWT). NewtekOne, Inc. (NEWT) offers the better valuation at 5. 7x trailing P/E (5. 8x forward), making it the more compelling value choice. Analysts rate NewtekOne, Inc. (NEWT) a "Hold" — based on 9 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 NEWT?
On trailing P/E, NewtekOne, Inc.
(NEWT) is the cheapest at 5. 7x versus NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 at 10. 7x. On forward P/E, NewtekOne, Inc. is actually cheaper at 5. 8x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: NewtekOne, Inc. wins at 0. 71x 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 NEWT?
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 -23. 6% for NewtekOne, Inc. (NEWT). Over 10 years, the gap is even starker: NEWT returned +136. 5% 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 NEWT?
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 NewtekOne, Inc. 's 1. 69β — meaning NEWT is approximately 218% more volatile than NEWTI relative to the S&P 500. On balance sheet safety, NewtekOne, Inc. (NEWT) carries a lower debt/equity ratio of 2% 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 NEWT?
By revenue growth (latest reported year), NewtekOne, Inc.
8. 00% Fixed Rate Senior Notes due 2028 (NEWTI) is pulling ahead at 1. 0% versus 1. 0% for NewtekOne, Inc. (NEWT). 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 20. 4% for NewtekOne, 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 NEWT?
NewtekOne, Inc.
8. 00% Fixed Rate Senior Notes due 2028 (NEWTI) is the more profitable company, earning 18. 8% net margin versus 18. 8% for NewtekOne, Inc. — meaning it keeps 18. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NEWTI leads at 42. 5% versus 42. 5% for NEWT. At the gross margin level — before operating expenses — NEWTI leads at 75. 3%, 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 NEWT 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, NewtekOne, Inc. (NEWT) is the more undervalued stock at a PEG of 0. 71x 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, NewtekOne, Inc. (NEWT) trades at 5. 8x forward P/E versus 10. 9x for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 — 5. 1x cheaper on a one-year earnings basis.
08Which pays a better dividend — NEWTI or NEWT?
All stocks in this comparison pay dividends.
NewtekOne, Inc. (NEWT) offers the highest yield at 8. 1%, versus 4. 3% for NewtekOne, Inc. 8. 00% Fixed Rate Senior Notes due 2028 (NEWTI).
09Is NEWTI or NEWT 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). NewtekOne, Inc. (NEWT) carries a higher beta of 1. 69 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (NEWTI: +23. 2%, NEWT: +136. 5%), 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 NEWT?
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.
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% · NEWT: 1.0%)Net Margin>
%
(NEWTI: 18.8% · NEWT: 18.8%)P/E Ratio<
x
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