Last 47 quarters of trend data · Financial Services · Asset Management
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
NewtekOne, Inc.'s quarterly P/E stands at 3.7x, down 20.5% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 29.1% YoY to 5.2x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 5.82 | 3.73 | 4.09 | 5.42 | 8.54 | 4.69 | 6.63 | 7.31 | 7.24 | 8.21 | 9.22 | 15.29 | 4.32 |
| — | -20.5% | -38.3% | -25.8% | +18.0% | -42.8% | -28.1% | -52.2% | +67.4% | — | +6.2% | +80.9% | -74.1% | |
| P/S Ratio | 1.23 | 0.97 | 0.77 | 0.82 | 0.89 | 0.90 | 0.98 | 1.03 | 0.94 | 1.26 | 1.44 | 1.64 | 1.43 |
| — | +7.2% | -21.0% | -20.2% | -4.9% | -28.4% | -32.3% | -37.5% | -34.5% | -58.6% | -49.2% | -51.0% | -73.5% | |
| P/B Ratio | 0.89 | 0.73 | 0.76 | 0.93 | 1.01 | 1.13 | 1.09 | 1.13 | 1.05 | 1.35 | 1.60 | 1.84 | 1.48 |
| — | -35.4% | -30.5% | -18.2% | -4.1% | -16.3% | -31.8% | -38.5% | -28.8% | +28.1% | +58.3% | +59.0% | -8.5% | |
| P/FCF | 7.09 | 3.11 | — | — | — | — | — | — | — | — | 0.90 | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | 6.80 | 5.16 | 8.46 | 9.96 | 17.29 | 7.27 | 11.47 | 13.06 | 14.84 | 12.64 | 14.38 | 22.29 | 30.62 |
| — | -29.1% | -26.2% | -23.7% | +16.5% | -42.5% | -20.3% | -41.4% | -51.5% | -76.6% | -29.6% | +16.3% | +17.9% | |
| EV / EBIT | 6.84 | 5.17 | 8.50 | 10.11 | 17.50 | 7.34 | 11.81 | 13.52 | 15.45 | 12.93 | 15.12 | 24.03 | 34.29 |
| — | -29.5% | -28.0% | -25.2% | +13.3% | -43.2% | -21.8% | -43.7% | -55.0% | -76.4% | -26.4% | +24.8% | +31.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
NewtekOne, Inc.'s operating margin was 53.4% in Q4 2025, up 27.0 pp QoQ and up 27.8 pp YoY. This marks the 4th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 28.6% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 10.5% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 75.3% | 72.5% | 66.1% | 64.1% | 56.4% | 65.7% | 65.4% | 65.6% | 69.0% | 66.4% | 64.9% | 68.6% | 72.7% |
| — | +10.5% | +1.0% | -2.3% | -18.3% | -1.2% | +0.8% | -4.4% | -5.0% | -8.5% | -19.1% | -17.2% | -13.9% | |
| Operating Margin | 42.5% | 53.4% | 26.4% | 21.2% | 13.6% | 25.6% | 21.7% | 19.5% | 18.3% | 24.2% | 22.8% | 15.5% | 11.7% |
| — | +108.7% | +21.6% | +8.8% | -25.8% | +5.8% | -4.8% | +26.1% | +56.9% | +93.4% | -30.8% | -58.2% | -67.0% | |
| Net Margin | 18.8% | 26.0% | 18.8% | 15.5% | 10.9% | 19.7% | 15.2% | 14.5% | 13.5% | 28.1% | 17.3% | 11.3% | 32.8% |
| — | +31.8% | +24.2% | +7.2% | -19.0% | -29.8% | -12.6% | +27.9% | -58.9% | +511.6% | -46.8% | -71.5% | +1.8% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 17.4% | 5.0% | 5.1% | 4.5% | 3.1% | 6.3% | 4.3% | 4.1% | 3.8% | 7.9% | 4.9% | 3.2% | 6.3% |
| — | -21.4% | +19.3% | +7.6% | -18.4% | -19.7% | -11.9% | +29.7% | -38.7% | +1462.2% | +68.8% | -6.3% | +159.9% | |
| ROA | 2.5% | 0.8% | 0.8% | 0.6% | 0.4% | 1.0% | 0.7% | 0.7% | 0.7% | 1.3% | 0.8% | 0.5% | 1.6% |
| — | -22.6% | +9.1% | -8.2% | -31.8% | -26.4% | -6.4% | +34.2% | -60.3% | +701.8% | -30.7% | -60.7% | +76.6% | |
| ROIC | 9.2% | 2.6% | 1.8% | 1.4% | 0.8% | 1.8% | 1.4% | 1.2% | 1.1% | 1.4% | 1.2% | 0.8% | 0.5% |
| — | +39.9% | +30.6% | +14.7% | -22.5% | +34.2% | +14.9% | +53.6% | +101.2% | +316.1% | +28.3% | -26.9% | -41.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
NewtekOne, Inc.'s Debt/EBITDA ratio is 20.5x, down from 29.8x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 611.1% YoY to 0.20x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.07 | 2.07 | 1.94 | 2.11 | 2.58 | 2.41 | 2.34 | 2.40 | 2.63 | 2.61 | 2.89 | 3.20 | 3.24 |
| — | -14.2% | -17.2% | -12.0% | -2.0% | -7.7% | -18.9% | -24.9% | -18.8% | +79.3% | +104.6% | +142.6% | +176.4% | |
| Debt / EBITDA | 5.99 | 20.45 | 29.80 | 34.64 | 66.13 | 29.81 | 37.60 | 43.01 | 49.07 | 39.40 | 43.54 | 68.17 | 95.62 |
| — | -31.4% | -20.7% | -19.5% | +34.8% | -24.3% | -13.7% | -36.9% | -48.7% | -70.3% | -9.2% | +66.4% | +118.1% | |
| Current Ratio | 0.20 | 0.20 | 0.19 | 0.22 | 0.29 | 0.03 | 23.33 | 15.44 | 13.63 | 15.87 | 0.49 | 0.52 | 0.34 |
| — | +611.1% | -99.2% | -98.6% | -97.9% | -99.8% | +4702.5% | +2854.5% | +3891.8% | +87.2% | -95.6% | -96.5% | -97.5% | |
| Quick Ratio | 0.20 | 0.20 | 0.19 | 0.22 | 0.29 | 0.03 | 23.33 | 15.44 | 13.63 | 15.87 | 0.49 | 0.52 | 0.34 |
| — | +611.1% | -99.2% | -98.6% | -97.9% | -99.8% | +4702.5% | +2854.5% | +3891.8% | +87.2% | -95.6% | -96.5% | -97.5% | |
| Interest Coverage | 2.42 | 2.57 | 1.02 | 0.83 | 0.49 | 1.06 | 0.84 | 0.73 | 0.72 | 0.89 | 0.77 | 0.57 | 0.47 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying NEWT stock.
NewtekOne, Inc.'s current P/E is 5.8x. The average P/E over the last 4 quarters is 5.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
NewtekOne, Inc.'s current operating margin is 42.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking NewtekOne, Inc.'s business trajectory between earnings reports.