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Apr 30, 2026·SEC
Material company update
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Apr 6, 2026·SEC
NewtekOne, Inc.(NEWTH)Earnings, Financials & Key Ratios
NEWTH•NASDAQ
$25.32
10.7× P/E·Price updated Jun 30, 2026
AboutNewtekOne, Inc. operates as the bank holding company for Newtek Bank, National Association that engages in the provision of various business and financial solutions under the Newtek brand name to the small- and medium-sized business market. The company accepts demand, savings, NOW, money market, and time deposits; and provides loans including SBA loans, commercial and industrial loans, and commercial real estate loans. It is also involved in the provision of electronic payment processing services comprising credit and debit card processing services, check approval services, processing equipment, and software, as well as cloud-based Point of Sale systems for a various restaurant, retail, assisted living, taxi cabs, parks, and golf course businesses. In addition, it offers wholesale brokerage insurance agency services; and payroll management, and related payment and tax reporting services to independent business owners. Further, the company provides website hosting, dedicated server hosting, cloud hosting, web design and development, internet marketing, ecommerce, data storage, backup and disaster recovery, and other related services, including consulting and implementing technology solutions for enterprise and commercial clients as well as SMBs. The company was formerly known as Newtek Business Services Corp. and changed its name to NewtekOne, Inc. in January 2023. NewtekOne, Inc. was founded in 1998 and is headquartered in Boca Raton, Florida.Show more
- EBITDA$137M+95.0%
- Net Income$61M+19.0%
- EPS (Diluted)2.36+20.4%
- Gross Margin75.29%+13.5%
- EBITDA Margin42.67%+93.0%
- Operating Margin42.46%+97.1%
- Net Margin18.78%+17.8%
- ROE17.44%-6.5%
NEWTH Price & Volume
NewtekOne, Inc. (NEWTH) stock price & volume — 10-year historical chart
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Structural Margin Expansion Masks Persistent Liquidity Risks
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Mixed
Profitability:Moderate
Financial:Strained
Cash Flow:Deteriorating
Primary Risk:SBA secondary market volatility
Key Thesis Takeaways
- NewtekOne is navigating a complex transition into a bank holding company, characterized by significant operational margin expansion to 62.9% in 2026Q1 despite persistent volatility in its gain-on-sale revenue model.
- While the company has scaled assets to $2.9B, the reliance on debt-funded growth and a debt-to-equity ratio of 5.96 raises concerns regarding long-term capital sustainability.
- Investors should monitor the structural disconnect between reported net income and negative free cash flow, which reached -$91.0M in 2026Q1, as the firm continues to distribute dividends despite these cash-burning operations.
Verdict Logic
the company's reliance on debt-funded growth, evidenced by a 5.96 debt-to-equity ratio, combined with a persistent negative free cash flow trajectory of -$91.0M in 2026Q1, suggests significant risks to long-term capital stability.
NEWTH Growth Metrics
NewtekOne, Inc. (NEWTH) 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%
TTM27.64%
EPS CAGR
10 Years-3.36%
5 Years8.22%
3 Years20.76%
TTM24.87%
Return on Capital
10 Years3.47%
5 Years7.79%
3 Years8.63%
Last Year13.55%
NEWTH Recent Earnings
NewtekOne, Inc. (NEWTH) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/7 qtrs (75%)●Beat Revenue 3/7 qtrs (60%)
Q2 2026Latest
May 12, 2026Metric
Actual
Est
EPS
$0.45+2.7%
$0.44
Rev
$46M-41.2%
$79M
Q2 2026
Mar 10, 2026Metric
Actual
Est
EPS
$0.65
—
Rev
$94M
—
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.61-10.1%
$0.68
Rev
$73M-8.3%
$80M
Q4 2025
Oct 29, 2025Metric
Actual
Est
EPS
—
$0.64
Rev
$99M+27.0%
$78M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 12, 2026 | $0.45vs $0.44+2.7% | $46Mvs $79M-41.2% |
| Q2 2026 | Mar 10, 2026 | $0.65 | $94M |
| Q1 2026 | Jan 29, 2026 | $0.61vs $0.68-10.1% | $73Mvs $80M-8.3% |
| Q4 2025 | Oct 29, 2025 | —vs $0.64 | $99Mvs $78M+27.0% |
Based on last 7 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for NewtekOne, Inc. (NEWTH)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $25.32 | $657.46M | 10.73 | 1.04% | 18.78% | 17.44% | 4.32% | |
| $17.82 | $36.12B | 12.82 | 4.38% | 16.63% | 8.81% | — | |
| $76.09 | $838.18M | 14.69 | 11.72% | 21.42% | 12% | — | |
| $49.17 | $2.56B | 14.77 | 10.36% | 19.66% | 9.83% | — | |
| $33.10 | $3.22B | 20.95 | 7.49% | 15.92% | 5.4% | — | |
| $83.06 | $4.56B | -18.67 | 10.74% | 7.47% | 9.13% | — |
Compare NEWTH vs Peers
NewtekOne, Inc. (NEWTH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
NEWTH SEC Filings & Documents
NewtekOne, Inc. (NEWTH) SEC filings — annual & quarterly reports (10-K, 10-Q)
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NEWTH Frequently Asked Questions
NewtekOne, Inc. (NEWTH) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is NewtekOne, Inc.'s revenue?
NewtekOne, Inc. (NEWTH) reported $331.9M in revenue for fiscal year 2025.
How fast is NewtekOne, Inc. growing?
NewtekOne, Inc. (NEWTH) grew revenue by 1.0% over the past year. Growth has been modest.
Is NEWTH profitable?
Yes, NewtekOne, Inc. (NEWTH) is profitable, generating $64.5M in net income for fiscal year 2025 (18.8% net margin).
Dividend & Returns
Does NEWTH pay dividends?
Yes, NewtekOne, Inc. (NEWTH) pays a dividend with a yield of 4.32%. This makes it attractive for income-focused investors.
What is NEWTH's return on equity?
NewtekOne, Inc. (NEWTH) has a return on equity (ROE) of 17.4%. This is reasonable for most industries.
What is NewtekOne, Inc.'s free cash flow?
NewtekOne, Inc. (NEWTH) had negative free cash flow of $434.8M in fiscal year 2025, likely due to heavy capital investments.