NewtekOne, Inc. (NEWT) Financial Ratios
27 years of historical data (1999–2025) · Financial Services · Asset Management
EV/EBITDA
↓
6.80
↓-50% vs avg
5yr avg: 13.73
30Y Low5.2·High97.6
P/FCF
↑
7.09
↑+46% vs avg
5yr avg: 4.84
30Y Low4.2·High40.5
P/B Ratio
↓
0.89
↓-23% vs avg
5yr avg: 1.15
30Y Low0.1·High4.4
ROE
↓
17.4%
↓+6% vs avg
5yr avg: 16.4%
30Y Low-24%·High38%
Debt/EBITDA
↑
5.99
↓-39% vs avg
5yr avg: 9.85
30Y Low3.7·High35.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
NEWT Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
NewtekOne, Inc. trades at 5.8x earnings, 24% below its 5-year average of 7.7x, sitting at the 9th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 57%. On a free-cash-flow basis, the stock trades at 7.1x P/FCF, 46% above the 5-year average of 4.8x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $396M | $291M | $322M | $336M | $393M | $630M | $416M | $438M | $326M | $320M | $231M |
| Enterprise Value | $935M | $830M | $683M | $834M | $887M | $1.1B | $875M | $878M | $656M | $534M | $400M |
| P/E Ratio → | 5.82 | 4.81 | 6.52 | 7.34 | 12.13 | 7.49 | 12.38 | 10.63 | 9.13 | 8.22 | 8.46 |
| P/S Ratio | 1.23 | 0.90 | 1.01 | 1.33 | 2.99 | 3.74 | 4.48 | 4.93 | 6.59 | 8.23 | 7.47 |
| P/B Ratio | 0.89 | 0.73 | 1.09 | 1.35 | 1.05 | 1.56 | 1.23 | 1.36 | 1.14 | 1.15 | 1.11 |
| P/FCF | 7.09 | 5.21 | — | — | — | 4.47 | 23.45 | — | — | — | — |
| P/OCF | 7.08 | 5.20 | — | — | — | 4.47 | 23.44 | — | — | — | — |
P/E links to full P/E history page with 30-year chart
NEWT EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
NewtekOne, Inc.'s enterprise value stands at 6.8x EBITDA, 50% below its 5-year average of 13.7x. The Financial Services sector median is 11.4x, placing the stock at a 40% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.58 | 2.14 | 3.30 | 6.74 | 6.59 | 9.42 | 9.89 | 13.24 | 13.73 | 12.93 |
| EV / EBITDA | 6.80 | 6.04 | 9.69 | 17.28 | 22.73 | 12.92 | 26.49 | 70.60 | — | — | — |
| EV / EBIT | 6.84 | 6.07 | 9.94 | 18.38 | 22.87 | 12.97 | 26.82 | 13.56 | 12.41 | 10.16 | — |
| EV / FCF | — | 14.86 | — | — | — | 7.87 | 49.27 | — | — | — | — |
NEWT Profitability
Margins and return-on-capital ratios measuring operating efficiency
NewtekOne, Inc. earns an operating margin of 42.5%, significantly above the Financial Services sector average of 20.3%. Operating margins have expanded from 17.9% to 42.5% over the past 3 years, signaling improving operational efficiency. ROE of 17.4% indicates solid capital efficiency, compared to the sector median of 9.0%. ROIC of 9.2% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 75.3% | 75.3% | 66.3% | 68.6% | 80.0% | 87.8% | 80.7% | 50.7% | 57.4% | 50.4% | 50.8% |
| Operating Margin | 42.5% | 42.5% | 21.5% | 17.9% | 29.5% | 50.8% | 35.1% | 13.4% | -25.3% | -40.5% | -51.8% |
| Net Profit Margin | 18.8% | 18.8% | 15.9% | 18.7% | 24.6% | 50.0% | 36.2% | 46.3% | 72.1% | 100.2% | 88.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 17.4% | 17.4% | 18.7% | 15.2% | 8.3% | 22.6% | 10.2% | 13.5% | 12.6% | 16.0% | 13.2% |
| ROA | 2.5% | 2.5% | 2.9% | 3.9% | 3.1% | 8.9% | 4.1% | 5.7% | 6.1% | 8.5% | 7.2% |
| ROIC | 9.2% | 9.2% | 5.4% | 3.7% | 3.2% | 7.6% | 3.1% | 1.3% | -1.7% | -2.7% | -3.4% |
| ROCE | 13.6% | 13.6% | 7.3% | 5.0% | 3.9% | 9.1% | 4.1% | 1.7% | -2.2% | -3.5% | -4.4% |
NEWT Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
NewtekOne, Inc. carries a Debt/EBITDA ratio of 6.0x, which is highly leveraged (40% above the sector average of 4.3x). Net debt stands at $539M ($823M total debt minus $284M cash). Interest coverage of just 2.4x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.07 | 2.07 | 2.41 | 2.61 | 1.46 | 1.19 | 1.36 | 1.37 | 1.15 | 0.78 | 0.82 |
| Debt / EBITDA | 5.99 | 5.99 | 10.14 | 13.49 | 14.03 | 5.61 | 13.94 | 35.54 | — | — | — |
| Net Debt / Equity | — | 1.36 | 1.22 | 2.00 | 1.32 | 1.19 | 1.35 | 1.37 | 1.15 | 0.77 | 0.81 |
| Net Debt / EBITDA | 3.92 | 3.92 | 5.13 | 10.32 | 12.65 | 5.58 | 13.88 | 35.39 | — | — | — |
| Debt / FCF | — | 9.65 | — | — | — | 3.40 | 25.82 | — | — | — | — |
| Interest Coverage | 2.42 | 2.42 | 0.85 | 0.67 | 1.47 | 4.17 | 1.82 | 3.17 | 3.29 | 4.61 | -0.10 |
NEWT Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.20x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.54x to 0.20x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.20 | 0.20 | 0.42 | 0.54 | 8.48 | 22.18 | 9.93 | 2.30 | 1.71 | 3.09 | 3.14 |
| Quick Ratio | 0.20 | 0.20 | 0.42 | 0.54 | 8.48 | 22.18 | 9.93 | 2.30 | 1.71 | 3.09 | 3.14 |
| Cash Ratio | 0.17 | 0.17 | 0.33 | 0.29 | 0.70 | 0.22 | 0.18 | 0.04 | 0.05 | 0.24 | 0.22 |
| Asset Turnover | — | 0.12 | 0.15 | 0.18 | 0.13 | 0.16 | 0.11 | 0.11 | 0.08 | 0.07 | 0.08 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
NEWT Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
NewtekOne, Inc. returns 8.3% to shareholders annually — split between a 8.0% dividend yield and 0.4% buyback yield. A payout ratio of 46.3% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 17.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 8.0% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 46.3% | 46.3% | 0.9% | 29.9% | 199.8% | 83.4% | 126.7% | 99.1% | 90.9% | 72.3% | 100.0% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 17.2% | 20.8% | 15.3% | 13.6% | 8.2% | 13.4% | 8.1% | 9.4% | 11.0% | 12.2% | 11.8% |
| FCF Yield | 14.1% | 19.2% | — | — | — | 22.4% | 4.3% | — | — | — | — |
| Buyback Yield | 0.4% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 8.3% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $26M | $25M | $24M | $24M | $23M | $21M | $19M | $19M | $17M | $15M |
Peer Comparison
Compare NEWT with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 NEWTYou | $396M | 5.8 | 6.8 | 7.1 | 75.3% | 42.5% | 17.4% | 9.2% | 6.0 |
 HONE | $522M | 18.3 | 20.8 | 200.7 | 50.9% | 10.9% | 4.7% | 2.3% | 13.3 |
 BYFC | $89M | -3.0 | — | — | 51.9% | -38.8% | -9.0% | -3.7% | — |
 CARV | $8M | -0.5 | — | — | 56.3% | -36.8% | -38.2% | -13.0% | — |
 MFIN | $221M | 5.3 | 1.9 | 1.7 | 96.7% | 50.5% | 9.1% | 17.2% | 1.8 |
 BSVN | $438M | 10.1 | 3.3 | 10.6 | 70.2% | 41.4% | 18.6% | 18.3% | — |
 GBDC | $3B | 8.7 | 11.8 | — | 81.5% | 78.9% | 9.4% | 5.9% | 7.1 |
 ARCC | $13B | 9.6 | 12.7 | 11.2 | 75.7% | 69.7% | 9.4% | 5.7% | 7.3 |
 HTGC | $3B | 8.2 | 13.9 | — | 87.2% | 66.7% | 16.2% | 6.6% | 6.3 |
 TPVG | $193M | 3.9 | 8.5 | — | 83.5% | 77.9% | 14.1% | 7.2% | 6.2 |
 FDUS | $681M | 7.7 | 10.4 | — | 72.6% | 76.1% | 11.8% | 7.2% | 5.4 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 27 years · Updated daily
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NEWT — Frequently Asked Questions
Quick answers to the most common questions about buying NEWT stock.
What is NewtekOne, Inc.'s P/E ratio?
NewtekOne, Inc.'s current P/E ratio is 5.8x. The historical average is 15.9x. This places it at the 9th percentile of its historical range.
What is NewtekOne, Inc.'s EV/EBITDA?
NewtekOne, Inc.'s current EV/EBITDA is 6.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 22.1x.
What is NewtekOne, Inc.'s ROE?
NewtekOne, Inc.'s return on equity (ROE) is 17.4%. The historical average is 9.6%.
Is NEWT stock overvalued?
Based on historical data, NewtekOne, Inc. is trading at a P/E of 5.8x. This is at the 9th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is NewtekOne, Inc.'s dividend yield?
NewtekOne, Inc.'s current dividend yield is 7.96% with a payout ratio of 46.3%.
What are NewtekOne, Inc.'s profit margins?
NewtekOne, Inc. has 75.3% gross margin and 42.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does NewtekOne, Inc. have?
NewtekOne, Inc.'s Debt/EBITDA ratio is 6.0x, indicating high leverage. A ratio above 4x may signal elevated financial risk.