NewtekOne, Inc.(NEWT)Earnings, Financials & Key Ratios

NEWT•NASDAQ•Banking & Credit

5.9× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryAsset Management Sub-IndustrySpecialty finance and niche asset platforms

AboutNewtekOne, Inc. is a financial holding company, which engages in the provision of business and financial solutions. Its brands include Newtek Bank, Newtek Lending, Newtek Payments, Newtek Insurance, Newtek Payroll, and Newtek Technology. The company was founded by Barry Sloane in 1998 and is headquartered in Boca Raton, FL.Show more

Net Interest Income$105M+160.5%
Total Revenue$322M+1.0%
Net Income$61M+19.0%
Return on Equity17.44%-6.5%
Net Interest Margin3.83%+95.5%
Efficiency Ratio32.83%-26.7%
ROA2.52%-13.6%
Equity / Assets14.48%+0.7%
Book Value per Share15.50+31.8%

NEWT Key Insights

NewtekOne, Inc. (NEWT) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Strong NIM of 3.8%
✓Efficient operations: 32.8% efficiency ratio
✓Well capitalized: 14.5% equity/assets
✓Good 3Y average ROE of 17.1%
✓Diversified revenue: 49.8% from non-interest income
✓Trading at only 0.9x book value

✗Weaknesses

✗High debt to equity ratio of 2.1x

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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NEWT Price & Volume

NewtekOne, Inc. (NEWT) stock price & volume — 10-year historical chart

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NEWT Growth Metrics

NewtekOne, Inc. (NEWT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years28.59%

5 Years28.25%

3 Years34.81%

TTM-

Profit CAGR

10 Years5.41%

5 Years12.47%

3 Years23.26%

TTM18.99%

EPS CAGR

10 Years-3.36%

5 Years8.22%

3 Years20.76%

TTM18.88%

Return on Capital

10 Years3.47%

5 Years7.79%

3 Years8.63%

Last Year13.55%

NEWT Recent Earnings

NewtekOne, Inc. (NEWT) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 9/12 qtrs (75%)●Beat Revenue 8/12 qtrs (73%)

Q2 2026Latest

Apr 30, 2026

Metric

Actual

Est

EPS

$0.43+0.0%

$0.43

Rev

$71M-6.3%

$76M

Q1 2026

Feb 25, 2026

Metric

Actual

Est

EPS

$0.69+6.2%

$0.65

Rev

$75M

—

Q1 2026

Jan 29, 2026

Metric

Actual

Est

EPS

$0.65+0.0%

$0.65

Rev

$73M-8.3%

$80M

Q4 2025

Oct 29, 2025

Metric

Actual

Est

EPS

$0.67+6.3%

$0.63

Rev

$95M+18.8%

$80M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 30, 2026	$0.43vs $0.43+0.0%	$71Mvs $76M-6.3%
Q1 2026	Feb 25, 2026	$0.69vs $0.65+6.2%	$75M
Q1 2026	Jan 29, 2026	$0.65vs $0.65+0.0%	$73Mvs $80M-8.3%
Q4 2025	Oct 29, 2025	$0.67vs $0.63+6.3%	$95Mvs $80M+18.8%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
HONEHarborOne Bancorp, Inc.Direct Competitor	522.22M	12.10	18.33	10.7%	8.56%	4.56%	0.90
BYFCBroadway Financial CorporationDirect Competitor	92.08M	9.90	-3.07	-3.76%	-39.3%	-9.05%	0.58
CARVCarver Bancorp, Inc.Direct Competitor	8.24M	1.56	-0.59	-8.28%	-35.2%	-44.42%	0.98
MFINMedallion Financial Corp.Direct Competitor	224.24M	9.53	5.35	21.09%	13.7%	9.38%	0.62
BSVNBank7 Corp.Direct Competitor	438.24M	45.65	10.14	-3.87%	31.38%	18.21%
GBDCGolub Capital BDC, Inc.Product Competitor	3.22B	12.35	8.70	42.5%	26.91%	5.24%	1.23
ARCCAres Capital CorporationProduct Competitor	12.95B	18.03	9.69	32.87%	43.69%	8.11%	1.12
HTGCHercules Capital, Inc.Product Competitor	2.9B	15.49	8.37	26.97%	50.05%	13.18%	1.04

Compare NEWT vs Peers

NewtekOne, Inc. (NEWT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HONE

Most directly comparable listed peer for NEWT.

Scale Benchmark

vs INTU

Larger-name benchmark to compare NEWT against a more recognizable public peer.

Peer Set

Compare Top 5

vs HONE, BYFC, CARV, MFIN

NEWT Income Statement

NewtekOne, Inc. (NEWT) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	-11.4M	-16.07M	-20.42M	46.92M	58.45M	12.29M	26.63M	40.3M	104.99M
NII Growth %	-35.04%	-40.97%	-27.11%	329.76%	24.57%	-78.97%	116.68%	51.33%	160.49%
Net Interest Margin %	-2.19%	-2.46%	-2.56%	5.58%	5.53%	1.23%	1.86%	1.96%	3.83%
Interest Income	0	0	0	64.8M	78.97M	38.62M	94.37M	121.42M	161.63M
Interest Expense	11.4M	16.07M	20.42M	17.88M	20.52M	26.32M	67.74M	81.11M	56.64M
Loan Loss Provision	7.89M	5.02M	-6.12M	0	0	0	11.7M	26.22M	22.97M
Non-Interest Income	38.91M	49.52M	88.79M	28.04M	89.31M	92.88M	158.44M	197.43M	160.55M
Non-Interest Income %	100%	100%	100%	30.2%	53.07%	70.63%	62.67%	61.92%	49.83%
Total Revenue	38.91M▲ 0%	49.52M▲ 27.2%	88.79M▲ 79.3%	92.84M▲ 4.6%	168.28M▲ 81.3%	131.5M▼ 21.9%	252.82M▲ 92.3%	318.85M▲ 26.1%	322.17M▲ 1.0%
Revenue Growth %	25.67%	27.24%	79.32%	4.56%	81.26%	-21.86%	92.26%	26.12%	1.04%
Non-Interest Expense	35.4M	40.94M	62.55M	42.34M	62.29M	66.39M	128M	142.83M	105.78M
Efficiency Ratio	90.96%	82.68%	70.45%	45.61%	37.02%	50.49%	50.63%	44.8%	32.83%
Operating Income	-15.78M▲ 0%	-12.5M▲ 20.7%	11.93M▲ 195.4%	32.62M▲ 173.4%	85.47M▲ 162.0%	38.77M▼ 54.6%	45.37M▲ 17.0%	68.69M▲ 51.4%	136.79M▲ 99.1%
Operating Margin %	-40.54%	-25.25%	13.44%	35.14%	50.79%	29.49%	17.95%	21.54%	42.46%
Operating Income Growth %	1.73%	20.74%	195.43%	173.38%	162.01%	-54.63%	17.02%	51.39%	99.14%
Pretax Income	41.16M▲ 0%	36.76M▼ 10.7%	44.3M▲ 20.5%	32.62M▼ 26.4%	85.47M▲ 162.0%	38.77M▼ 54.6%	45.37M▲ 17.0%	68.69M▲ 51.4%	79.98M▲ 16.4%
Pretax Margin %	105.76%	74.23%	49.89%	35.14%	50.79%	29.49%	17.95%	21.54%	24.82%
Income Tax	2.18M	1.08M	3.16M	-999K	1.33M	6.46M	-1.96M	17.84M	19.46M
Effective Tax Rate %	5.29%	2.93%	7.14%	-3.06%	1.55%	16.67%	-4.31%	25.97%	24.34%
Net Income	38.98M▲ 0%	35.68M▼ 8.5%	41.13M▲ 15.3%	33.62M▼ 18.3%	84.14M▲ 150.3%	32.31M▼ 61.6%	47.33M▲ 46.5%	50.85M▲ 7.4%	60.51M▲ 19.0%
Net Margin %	100.16%	72.05%	46.33%	36.21%	50%	24.57%	18.72%	15.95%	18.78%
Net Income Growth %	42.74%	-8.46%	15.3%	-18.27%	150.28%	-61.6%	46.48%	7.45%	18.99%
Net Income (Continuing)	38.98M	35.68M	41.13M	33.62M	84.14M	32.31M	47.33M	50.85M	60.51M
EPS (Diluted)	2.25▲ 0%	1.91▼ 15.1%	2.13▲ 11.5%	1.59▼ 25.4%	3.69▲ 132.1%	1.34▼ 63.7%	1.88▲ 40.3%	1.96▲ 4.3%	2.36▲ 20.4%
EPS Growth %	19.68%	-15.11%	11.52%	-25.35%	132.08%	-63.69%	40.3%	4.26%	20.41%
EPS (Basic)	2.25	1.91	2.13	1.59	3.69	1.34	1.89	1.97	2.40
Diluted Shares Outstanding	17.33M	18.71M	19.33M	21.15M	22.8M	24.2M	24.35M	25.19M	25.65M

NEWT Balance Sheet

NewtekOne, Inc. (NEWT) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	2.46M	2.32M	1.76M	2.07M	2.4M	53.69M	154.53M	353.15M	283.81M
Cash & Due from Banks	2.46M	2.32M	1.76M	2.07M	2.4M	53.69M	153.09M	353.15M	283.81M
Short Term Investments	0	0	0	0	0	0	1.44M	0	0
Total Investments	456.69M	541.1M	659.04M	671.19M	758.78M	283.6M	937.44M	1.42B	2.22B
Investments Growth %	32.29%	18.48%	21.8%	1.84%	13.05%	-62.62%	230.55%	51.15%	56.44%
Long-Term Investments	456.69M	541.1M	659.04M	671.19M	758.78M	283.6M	936M	1.42B	2.22B
Accounts Receivables	8.54M	42.62M	51.17M	52.73M	48.93M	0	74.6M	54.27M	38.67M
Goodwill & Intangibles	19.36M	21.36M	24.41M	26.06M	28.01M	30.27M	30.12M	14.75M	14.6M
Goodwill	0	0	0	0	0	0	25.89M	14.09M	14.09M
Intangible Assets	19.36M	21.36M	24.41M	26.06M	28.01M	30.27M	4.24M	667K	512K
PP&E (Net)	0	0	7.99M	6.93M	7.31M	6.48M	5.7M	5.69M	2.79M
Other Assets	12.22M	13.68M	16.07M	23.81M	24.31M	23.64M	161.11M	162.62M	161.69M
Total Current Assets	31.34M	77.21M	89.89M	112.98M	242.54M	654.91M	291.35M	459.88M	348.96M
Total Non-Current Assets	488.27M	576.13M	707.52M	728M	818.41M	343.99M	1.14B	1.6B	2.4B
Total Assets	519.61M▲ 0%	653.34M▲ 25.7%	797.41M▲ 22.1%	840.98M▲ 5.5%	1.06B▲ 25.6%	998.9M▼ 5.5%	1.43B▲ 43.1%	2.06B▲ 44.1%	2.74B▲ 33.2%
Asset Growth %	29.43%	25.74%	22.05%	5.46%	25.63%	-5.46%	43.11%	44.1%	33.25%
Return on Assets (ROA)	8.46%	6.08%	5.67%	4.1%	8.87%	3.14%	3.9%	2.91%	2.52%
Accounts Payable	6.42M	3.1M	2.47M	3.6M	3.08M	13.4M	7.91M	9.22M	9.41M
Total Debt	216.25M	331.63M	441.82M	460.48M	481.11M	547.3M	651.07M	714.54M	822.76M
Net Debt	213.79M	329.31M	440.06M	458.41M	478.71M	493.61M	497.99M	361.39M	538.95M
Long-Term Debt	216.25M	296.93M	401.93M	451.78M	472.05M	483.44M	582.86M	609.8M	601.4M
Short-Term Debt	0	34.7M	30M	0	183K	55.88M	61.26M	98.24M	218.49M
Other Liabilities	6.71M	14.63M	24.2M	29.77M	0	54.89M	55.74M	62.74M	28.59M
Total Current Liabilities	10.15M	45.09M	39.16M	11.38M	10.94M	77.24M	534.91M	1.08B	1.7B
Total Non-Current Liabilities	231.13M	320.8M	436.02M	490.25M	481.11M	546.3M	645.55M	681.29M	643.59M
Total Liabilities	241.28M	365.9M	475.19M	501.63M	652.67M	623.54M	1.18B	1.76B	2.35B
Total Equity	278.33M▲ 0%	287.44M▲ 3.3%	322.23M▲ 12.1%	339.35M▲ 5.3%	403.89M▲ 19.0%	375.36M▼ 7.1%	249.05M▼ 33.7%	296.28M▲ 19.0%	397.57M▲ 34.2%
Equity Growth %	33.11%	3.28%	12.1%	5.32%	19.02%	-7.06%	-33.65%	18.97%	34.19%
Equity / Assets (Capital Ratio)	53.56%	44%	40.41%	40.35%	38.23%	37.58%	17.42%	14.38%	14.48%
Return on Equity (ROE)	15.99%	12.61%	13.49%	10.16%	22.64%	8.29%	15.16%	18.65%	17.44%
Book Value per Share	16.06	15.36	16.67	16.05	17.72	15.51	10.23	11.76	15.50
Tangible BV per Share	14.95	14.22	15.41	14.82	16.49	14.26	8.99	11.18	14.93
Common Stock	369K	379K	411K	439K	483K	492K	492K	526K	573K
Additional Paid-in Capital	247.36M	254.5M	289.96M	316.63M	367.66M	354.24M	200.91M	218.27M	253.83M
Retained Earnings	14.79M	32.57M	31.85M	22.29M	35.74M	20.62M	28.05M	57.77M	94.99M
Accumulated OCI	0	0	0	0	0	0	-148K	-21K	-4K
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	19.74M	19.74M	48.18M

NEWT Cash Flow Statement

NewtekOne, Inc. (NEWT) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	-72.94M	-73.67M	-88.96M	17.76M	140.92M	-62.42M	-169.22M	-153.01M	111K
Operating CF Growth %	-417.31%	-1%	-20.76%	119.97%	693.35%	-144.29%	-171.11%	9.58%	100.07%
Net Income	38.98M	35.68M	41.13M	33.62M	84.14M	32.31M	47.33M	50.85M	60.51M
Depreciation & Amortization	402K	484K	501K	402K	304K	239K	2.88M	1.78M	0
Deferred Taxes	2.18M	1.08M	3.16M	-999K	1.33M	6.46M	-4.8M	10.4M	8.34M
Other Non-Cash Items	-103.43M	-75.14M	-113.32M	-9.09M	-84.08M	-48.99M	-129.34M	-218.81M	-127.68M
Working Capital Changes	-12.03M	-35.76M	-20.43M	-6.17M	139.23M	-52.44M	-88.12M	-1.3M	58.94M
Cash from Investing	-446K	-627K	-126K	-10K	0	-11K	-172.24M	-209.05M	-90.5M
Purchase of Investments	0	0	0	0	0	0	0	-1.18B	-20.02M
Sale/Maturity of Investments	0	0	0	0	0	0	0	1.04B	63.42M
Net Investment Activity	0	0	0	0	0	0	0	-145.25M	43.39M
Acquisitions	0	0	0	0	0	0	11.14M	0	-6.12M
Other Investing	0	0	0	0	0	0	-182.92M	-63.37M	-127.67M
Cash from Financing	71.02M	85.11M	90.94M	465K	-5.49M	1.18M	344.97M	560.9M	91.97M
Dividends Paid	-28.2M	-32.43M	-40.77M	-42.58M	-70.14M	-64.54M	-14.15M	-441K	-28.04M
Share Repurchases	0	0	-93K	0	0	0	0	-402K	-1.49M
Stock Issued	56.66M	5.2M	33.74M	25.57M	50.01M	2.02M	19.49M	13.82M	53.54M
Net Stock Activity	56.66M	5.2M	33.65M	25.57M	50.01M	2.02M	19.49M	13.42M	52.05M
Debt Issuance (Net)	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Financing	-2.33M	1.25M	-3.99M	-904K	-6.87M	-3.38M	-4.84M	482.63M	-484.23M
Net Change in Cash	-2.36M▲ 0%	10.81M▲ 558.5%	1.86M▼ 82.8%	18.22M▲ 881.0%	135.44M▲ 643.4%	-61.25M▼ 145.2%	58.4M▲ 195.3%	197.37M▲ 238.0%	1.58M▼ 99.2%
Exchange Rate Effect	0	0	0	0	0	0	54.88M	-1.46M	0
Cash at Beginning	22.9M	20.54M	31.35M	33.21M	51.42M	186.86M	125.61M	184.01M	19.12M
Cash at End	20.54M	31.35M	33.21M	51.42M	186.86M	125.61M	184.01M	381.37M	20.71M
Interest Paid	0	0	0	0	20.13M	0	66.47M	79.19M	97.48M
Income Taxes Paid	0	0	0	0	0	0	6.88M	7.43M	12.5M
Free Cash Flow	-73.38M▲ 0%	-74.29M▼ 1.2%	-89.08M▼ 19.9%	17.75M▲ 119.9%	140.92M▲ 693.8%	-62.43M▼ 144.3%	-169.68M▼ 171.8%	-153.45M▲ 9.6%	55.87M▲ 136.4%
FCF Growth %	-406.99%	-1.24%	-19.91%	119.93%	693.8%	-144.3%	-171.79%	9.56%	136.41%

NEWT Banking Ratios

NewtekOne, Inc. (NEWT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	13.22%	15.99%	12.61%	13.49%	10.16%	22.64%	8.29%	15.16%	18.65%	17.44%
Return on Assets (ROA)	7.24%	8.46%	6.08%	5.67%	4.1%	8.87%	3.14%	3.9%	2.91%	2.52%
Net Interest Margin	-2.1%	-2.19%	-2.46%	-2.56%	5.58%	5.53%	1.23%	1.86%	1.96%	3.83%
Efficiency Ratio	102.65%	90.96%	82.68%	70.45%	45.61%	37.02%	50.49%	50.63%	44.8%	32.83%
Equity / Assets	52.08%	53.56%	44%	40.41%	40.35%	38.23%	37.58%	17.42%	14.38%	14.48%
Book Value / Share	14.38	16.06	15.36	16.67	16.05	17.72	15.51	10.23	11.76	15.5
NII Growth	-30.27%	-35.04%	-40.97%	-27.11%	329.76%	24.57%	-78.97%	116.68%	51.33%	160.49%
Dividend Payout	99.98%	72.35%	90.9%	99.11%	126.66%	83.36%	199.76%	29.89%	0.87%	46.34%

NEWT SEC Filings & Documents

NewtekOne, Inc. (NEWT) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 30, 2026·SEC

Material company update

Apr 29, 2026·SEC

Material company update

Apr 6, 2026·SEC

10-K Annual Reports

FY 2026

Mar 10, 2026·SEC

FY 2025

Mar 17, 2025·SEC

10-Q Quarterly Reports

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 12, 2025·SEC

NEWT Frequently Asked Questions

NewtekOne, Inc. (NEWT) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

NewtekOne, Inc. (NEWT) grew revenue by 1.0% over the past year. Growth has been modest.

Yes, NewtekOne, Inc. (NEWT) is profitable, generating $60.5M in net income for fiscal year 2025 (18.8% net margin).

Dividend & Returns

Yes, NewtekOne, Inc. (NEWT) pays a dividend with a yield of 7.86%. This makes it attractive for income-focused investors.

NewtekOne, Inc. (NEWT) has a return on equity (ROE) of 17.4%. This is reasonable for most industries.

Industry Metrics

NewtekOne, Inc. (NEWT) has a net interest margin (NIM) of 3.8%. This indicates healthy earnings from lending activities.

NewtekOne, Inc. (NEWT) has an efficiency ratio of 32.8%. This is excellent, indicating strong cost control.

What if you invested $1,000 in NEWT back in 1999?

Total return calculator · dividends reinvested · 27+ years of data

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Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 30, 2026

$0.43vs $0.43+0.0%

$71Mvs $76M-6.3%

Q1 2026

Feb 25, 2026

$0.69vs $0.65+6.2%

$75M

Q1 2026

Jan 29, 2026

$0.65vs $0.65+0.0%

$73Mvs $80M-8.3%

Q4 2025

Oct 29, 2025

$0.67vs $0.63+6.3%

$95Mvs $80M+18.8%

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Net Interest Income

-11.4M

-16.07M

-20.42M

46.92M

58.45M

12.29M

26.63M

40.3M

104.99M

NII Growth %

-35.04%

-40.97%

-27.11%

329.76%

24.57%

-78.97%

116.68%

51.33%

160.49%

Net Interest Margin %

-2.19%

-2.46%

-2.56%

5.58%

5.53%

1.23%

1.86%

1.96%

3.83%

Interest Income

64.8M

78.97M

38.62M

94.37M

121.42M

161.63M

Interest Expense

11.4M

16.07M

20.42M

17.88M

20.52M

26.32M

67.74M

81.11M

56.64M

Loan Loss Provision

7.89M

5.02M

-6.12M

11.7M

26.22M

22.97M

Non-Interest Income

38.91M

49.52M

88.79M

28.04M

89.31M

92.88M

158.44M

197.43M

160.55M

Non-Interest Income %

100%

30.2%

53.07%

70.63%

62.67%

61.92%

49.83%

Total Revenue

38.91M▲ 0%

49.52M▲ 27.2%

88.79M▲ 79.3%

92.84M▲ 4.6%

168.28M▲ 81.3%

131.5M▼ 21.9%

252.82M▲ 92.3%

318.85M▲ 26.1%

322.17M▲ 1.0%

Revenue Growth %

25.67%

27.24%

79.32%

4.56%

81.26%

-21.86%

92.26%

26.12%

1.04%

Non-Interest Expense

35.4M

40.94M

62.55M

42.34M

62.29M

66.39M

128M

142.83M

105.78M

Efficiency Ratio

90.96%

82.68%

70.45%

45.61%

37.02%

50.49%

50.63%

44.8%

32.83%

Operating Income

-15.78M▲ 0%

-12.5M▲ 20.7%

11.93M▲ 195.4%

32.62M▲ 173.4%

85.47M▲ 162.0%

38.77M▼ 54.6%

45.37M▲ 17.0%

68.69M▲ 51.4%

136.79M▲ 99.1%

Operating Margin %

-40.54%

-25.25%

13.44%

35.14%

50.79%

29.49%

17.95%

21.54%

42.46%

Operating Income Growth %

1.73%

20.74%

195.43%

173.38%

162.01%

-54.63%

17.02%

51.39%

99.14%

Pretax Income

41.16M▲ 0%

36.76M▼ 10.7%

44.3M▲ 20.5%

32.62M▼ 26.4%

85.47M▲ 162.0%

38.77M▼ 54.6%

45.37M▲ 17.0%

68.69M▲ 51.4%

79.98M▲ 16.4%

Pretax Margin %

105.76%

74.23%

49.89%

35.14%

50.79%

29.49%

17.95%

21.54%

24.82%

Income Tax

2.18M

1.08M

3.16M

-999K

1.33M

6.46M

-1.96M

17.84M

19.46M

Effective Tax Rate %

5.29%

2.93%

7.14%

-3.06%

1.55%

16.67%

-4.31%

25.97%

24.34%

Net Income

38.98M▲ 0%

35.68M▼ 8.5%

41.13M▲ 15.3%

33.62M▼ 18.3%

84.14M▲ 150.3%

32.31M▼ 61.6%

47.33M▲ 46.5%

50.85M▲ 7.4%

60.51M▲ 19.0%

Net Margin %

100.16%

72.05%

46.33%

36.21%

50%

24.57%

18.72%

15.95%

18.78%

Net Income Growth %

42.74%

-8.46%

15.3%

-18.27%

150.28%

-61.6%

46.48%

7.45%

18.99%

Net Income (Continuing)

38.98M

35.68M

41.13M

33.62M

84.14M

32.31M

47.33M

50.85M

60.51M

EPS (Diluted)

2.25▲ 0%

1.91▼ 15.1%

2.13▲ 11.5%

1.59▼ 25.4%

3.69▲ 132.1%

1.34▼ 63.7%

1.88▲ 40.3%

1.96▲ 4.3%

2.36▲ 20.4%

EPS Growth %

19.68%

-15.11%

11.52%

-25.35%

132.08%

-63.69%

40.3%

4.26%

20.41%

EPS (Basic)

2.25

1.91

2.13

1.59

3.69

1.34

1.89

1.97

2.40

Diluted Shares Outstanding

17.33M

18.71M

19.33M

21.15M

22.8M

24.2M

24.35M

25.19M

25.65M

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash & Short Term Investments

2.46M

2.32M

1.76M

2.07M

2.4M

53.69M

154.53M

353.15M

283.81M

Cash & Due from Banks

2.46M

2.32M

1.76M

2.07M

2.4M

53.69M

153.09M

353.15M

283.81M

Short Term Investments

1.44M

Total Investments

456.69M

541.1M

659.04M

671.19M

758.78M

283.6M

937.44M

1.42B

2.22B

Investments Growth %

32.29%

18.48%

21.8%

1.84%

13.05%

-62.62%

230.55%

51.15%

56.44%

Long-Term Investments

456.69M

541.1M

659.04M

671.19M

758.78M

283.6M

936M

1.42B

2.22B

Accounts Receivables

8.54M

42.62M

51.17M

52.73M

48.93M

74.6M

54.27M

38.67M

Goodwill & Intangibles

19.36M

21.36M

24.41M

26.06M

28.01M

30.27M

30.12M

14.75M

14.6M

Goodwill

25.89M

14.09M

Intangible Assets

19.36M

21.36M

24.41M

26.06M

28.01M

30.27M

4.24M

667K

512K

PP&E (Net)

7.99M

6.93M

7.31M

6.48M

5.7M

5.69M

2.79M

Other Assets

12.22M

13.68M

16.07M

23.81M

24.31M

23.64M

161.11M

162.62M

161.69M

Total Current Assets

31.34M

77.21M

89.89M

112.98M

242.54M

654.91M

291.35M

459.88M

348.96M

Total Non-Current Assets

488.27M

576.13M

707.52M

728M

818.41M

343.99M

1.14B

1.6B

2.4B

Total Assets

519.61M▲ 0%

653.34M▲ 25.7%

797.41M▲ 22.1%

840.98M▲ 5.5%

1.06B▲ 25.6%

998.9M▼ 5.5%

1.43B▲ 43.1%

2.06B▲ 44.1%

2.74B▲ 33.2%

Asset Growth %

29.43%

25.74%

22.05%

5.46%

25.63%

-5.46%

43.11%

44.1%

33.25%

Return on Assets (ROA)

8.46%

6.08%

5.67%

4.1%

8.87%

3.14%

3.9%

2.91%

2.52%

Accounts Payable

6.42M

3.1M

2.47M

3.6M

3.08M

13.4M

7.91M

9.22M

9.41M

Total Debt

216.25M

331.63M

441.82M

460.48M

481.11M

547.3M

651.07M

714.54M

822.76M

Net Debt

213.79M

329.31M

440.06M

458.41M

478.71M

493.61M

497.99M

361.39M

538.95M

Long-Term Debt

216.25M

296.93M

401.93M

451.78M

472.05M

483.44M

582.86M

609.8M

601.4M

Short-Term Debt

34.7M

30M

183K

55.88M

61.26M

98.24M

218.49M

Other Liabilities

6.71M

14.63M

24.2M

29.77M

54.89M

55.74M

62.74M

28.59M

Total Current Liabilities

10.15M

45.09M

39.16M

11.38M

10.94M

77.24M

534.91M

1.08B

1.7B

Total Non-Current Liabilities

231.13M

320.8M

436.02M

490.25M

481.11M

546.3M

645.55M

681.29M

643.59M

Total Liabilities

241.28M

365.9M

475.19M

501.63M

652.67M

623.54M

1.18B

1.76B

2.35B

Total Equity

278.33M▲ 0%

287.44M▲ 3.3%

322.23M▲ 12.1%

339.35M▲ 5.3%

403.89M▲ 19.0%

375.36M▼ 7.1%

249.05M▼ 33.7%

296.28M▲ 19.0%

397.57M▲ 34.2%

Equity Growth %

33.11%

3.28%

12.1%

5.32%

19.02%

-7.06%

-33.65%

18.97%

34.19%

Equity / Assets (Capital Ratio)

53.56%

44%

40.41%

40.35%

38.23%

37.58%

17.42%

14.38%

14.48%

Return on Equity (ROE)

15.99%

12.61%

13.49%

10.16%

22.64%

8.29%

15.16%

18.65%

17.44%

Book Value per Share

16.06

15.36

16.67

16.05

17.72

15.51

10.23

11.76

15.50

Tangible BV per Share

14.95

14.22

15.41

14.82

16.49

14.26

8.99

11.18

14.93

Common Stock

369K

379K

411K

439K

483K

492K

526K

573K

Additional Paid-in Capital

247.36M

254.5M

289.96M

316.63M

367.66M

354.24M

200.91M

218.27M

253.83M

Retained Earnings

14.79M

32.57M

31.85M

22.29M

35.74M

20.62M

28.05M

57.77M

94.99M

Accumulated OCI

-148K

-21K

-4K

Treasury Stock

Preferred Stock

19.74M

48.18M

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash from Operations

-72.94M

-73.67M

-88.96M

17.76M

140.92M

-62.42M

-169.22M

-153.01M

111K

Operating CF Growth %

-417.31%

-1%

-20.76%

119.97%

693.35%

-144.29%

-171.11%

9.58%

100.07%

Net Income

38.98M

35.68M

41.13M

33.62M

84.14M

32.31M

47.33M

50.85M

60.51M

Depreciation & Amortization

402K

484K

501K

402K

304K

239K

2.88M

1.78M

Deferred Taxes

2.18M

1.08M

3.16M

-999K

1.33M

6.46M

-4.8M

10.4M

8.34M

Other Non-Cash Items

-103.43M

-75.14M

-113.32M

-9.09M

-84.08M

-48.99M

-129.34M

-218.81M

-127.68M

Working Capital Changes

-12.03M

-35.76M

-20.43M

-6.17M

139.23M

-52.44M

-88.12M

-1.3M

58.94M

Cash from Investing

-446K

-627K

-126K

-10K

-11K

-172.24M

-209.05M

-90.5M

Purchase of Investments

-1.18B

-20.02M

Sale/Maturity of Investments

1.04B

63.42M

Net Investment Activity

-145.25M

43.39M

Acquisitions

11.14M

-6.12M

Other Investing

-182.92M

-63.37M

-127.67M

Cash from Financing

71.02M

85.11M

90.94M

465K

-5.49M

1.18M

344.97M

560.9M

91.97M

Dividends Paid

-28.2M

-32.43M

-40.77M

-42.58M

-70.14M

-64.54M

-14.15M

-441K

-28.04M

Share Repurchases

-93K

-402K

-1.49M

Stock Issued

56.66M

5.2M

33.74M

25.57M

50.01M

2.02M

19.49M

13.82M

53.54M

Net Stock Activity

56.66M

5.2M

33.65M

25.57M

50.01M

2.02M

19.49M

13.42M

52.05M

Debt Issuance (Net)

1000K

Other Financing

-2.33M

1.25M

-3.99M

-904K

-6.87M

-3.38M

-4.84M

482.63M

-484.23M

Net Change in Cash

-2.36M▲ 0%

10.81M▲ 558.5%

1.86M▼ 82.8%

18.22M▲ 881.0%

135.44M▲ 643.4%

-61.25M▼ 145.2%

58.4M▲ 195.3%

197.37M▲ 238.0%

1.58M▼ 99.2%

Exchange Rate Effect

54.88M

-1.46M

Cash at Beginning

22.9M

20.54M

31.35M

33.21M

51.42M

186.86M

125.61M

184.01M

19.12M

Cash at End

20.54M

31.35M

33.21M

51.42M

186.86M

125.61M

184.01M

381.37M

20.71M

Interest Paid

20.13M

66.47M

79.19M

97.48M

Income Taxes Paid

6.88M

7.43M

12.5M

Free Cash Flow

-73.38M▲ 0%

-74.29M▼ 1.2%

-89.08M▼ 19.9%

17.75M▲ 119.9%

140.92M▲ 693.8%

-62.43M▼ 144.3%

-169.68M▼ 171.8%

-153.45M▲ 9.6%

55.87M▲ 136.4%

FCF Growth %

-406.99%

-1.24%

-19.91%

119.93%

693.8%

-144.3%

-171.79%

9.56%

136.41%

Metric

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

Return on Equity (ROE)

13.22%

15.99%

12.61%

13.49%

10.16%

22.64%

8.29%

15.16%

18.65%

17.44%

Return on Assets (ROA)

7.24%

8.46%

6.08%

5.67%

4.1%

8.87%

3.14%

3.9%

2.91%

2.52%

Net Interest Margin

-2.1%

-2.19%

-2.46%

-2.56%

5.58%

5.53%

1.23%

1.86%

1.96%

3.83%

Efficiency Ratio

102.65%

90.96%

82.68%

70.45%

45.61%

37.02%

50.49%

50.63%

44.8%

32.83%

Equity / Assets

52.08%

53.56%

44%

40.41%

40.35%

38.23%

37.58%

17.42%

14.38%

14.48%

Book Value / Share

14.38

16.06

15.36

16.67

16.05

17.72

15.51

10.23

11.76

15.5

NII Growth

-30.27%

-35.04%

-40.97%

-27.11%

329.76%

24.57%

-78.97%

116.68%

51.33%

160.49%

Dividend Payout

99.98%

72.35%

90.9%

99.11%

126.66%

83.36%

199.76%

29.89%

0.87%

46.34%

NewtekOne, Inc.(NEWT)Earnings, Financials & Key Ratios

NEWT Key Insights

✓Strengths

✗Weaknesses

NEWT Price & Volume

NEWT Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

NEWT Recent Earnings

NEWT Peer Comparison

Compare NEWT vs Peers

vs HONE

vs INTU

Compare Top 5

NEWT Income Statement

NEWT Balance Sheet

NEWT Cash Flow Statement

NEWT Banking Ratios

NEWT SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

NEWT Frequently Asked Questions

NewtekOne, Inc.(NEWT)Earnings, Financials & Key Ratios

NEWT Key Insights

✓Strengths

✗Weaknesses

NEWT Price & Volume

NEWT Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

NEWT Recent Earnings

NEWT Peer Comparison

Compare NEWT vs Peers

vs HONE

vs INTU

Compare Top 5

NEWT Income Statement

NEWT Balance Sheet

NEWT Cash Flow Statement

NEWT Banking Ratios

NEWT SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

NEWT Frequently Asked Questions