NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) P/E Ratio History
UndervaluedTrading at 10.7x vs 5Y avg 13.6x · 9th percentile · Below historical baseline · Data 2023–2026
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P/E Ratio Analysis
As of June 28, 2026, NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) trades at a price-to-earnings ratio of 10.7x, with a stock price of $25.27 and trailing twelve-month earnings per share of $2.07.
The current P/E is 22% below its 5-year average of 13.6x. Over the past five years, NEWTI's P/E has ranged from a low of 10.4x to a high of 18.4x, placing the current valuation at the 9th percentile of its historical range.
Compared to the Financial Services sector median P/E of 14.2x, NEWTI trades at a 25% discount to its sector peers. The sector includes 801 companies with P/E ratios ranging from 0.0x to 157.7x.
The PEG ratio of 1.30 (P/E divided by 20% EPS growth) suggests a fair valuation relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, NEWTI trades at a notable discount to the S&P 500 median P/E of 25.3x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our NEWTI DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
NEWTI Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
NEWTI P/E vs Peers
Small Business and Middle-Market Lending peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $424M | 6.2 | 0.76 | +20% | |
| $3B | 8.4 | - | +15% | |
| $13B | 9.8 | 0.95 | -24% | |
| $3B | 8.9 | 0.29Best | +4% | |
| $191M | 3.9Lowest | 3.80 | +49% | |
| $3B | 21.2 | 11.30 | +11% | |
| $1B | 13.3 | 1.31 | +18% | |
| $522M | 18.3 | 1.23 | +78%Best | |
| $39B | 8.2 | 0.92 | +36% | |
| $73B | 19.6 | 1.34 | +31% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
NEWTI Historical P/E Data (2023–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | - | $25.05 | $2.41 | 10.4x | -24% |
| FY2025 Q4 | Dec 31 2025 | $25.20 | $2.33 | 10.8x | -21% |
| FY2025 Q3 | - | $25.10 | $2.25 | 11.2x | -18% |
| FY2025 Q2 | Jun 30 2025 | $24.97 | $2.02 | 12.4x | -9% |
| FY2025 Q1 | Mar 31 2025 | $25.02 | $1.93 | 13.0x | -5% |
| FY2024 Q4 | - | $25.28 | $1.96 | 12.9x | -5% |
| FY2024 Q3 | Sep 30 2024 | $25.34 | $1.70 | 14.9x | +9% |
| FY2024 Q2 | Jun 30 2024 | $24.87 | $1.63 | 15.3x | +12% |
| FY2024 Q1 | Mar 31 2024 | $25.15 | $1.46 | 17.2x | +26% |
| FY2023 Q4 | Dec 31 2023 | $25.04 | $1.82 | 13.8x | +1% |
| FY2023 Q3 | Sep 30 2023 | $24.08 | $1.31 | 18.4x | +35% |
Average P/E for displayed period: 13.6x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
3+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
NEWTI — Frequently Asked Questions
Quick answers to the most common questions about buying NEWTI stock.
What is NEWTI's P/E ratio?
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI) trailing twelve-month P/E ratio is 10.7x, based on TTM diluted EPS of $2.07. The 5-year average P/E is 13.6x and the historical range spans 10.4x to 18.4x.
Is NEWTI stock overvalued or undervalued?
NEWTI trades at 10.7x P/E, below its 5-year average of 13.6x. At the 9th percentile of its historical range (10.4x–18.4x), the stock is priced at a discount to its own history.
Is NEWTI stock expensive?
No, NEWTI is not expensive on a historical basis. The current P/E of 10.7x is below the 5-year average of 13.6x and sits at the 9th percentile of its valuation range.
What is NEWTI's historical P/E range?
Over the past 5 years, NEWTI's P/E ratio has ranged from 10.4x to 18.4x, with a median of 13.0x and an average of 13.6x. The current P/E of 10.7x places the stock at the 9th percentile of this range. Full historical data spans 2023–2026.
How does NEWTI's P/E compare to the S&P 500?
NEWTI trades at 10.7x P/E versus the S&P 500 median of 25.3x. The 58% discount to the market suggests lower growth expectations or perceived higher risk.
How does NEWTI's valuation compare to Financial Services peers?
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 P/E of 10.7x compares to the Financial Services sector median of 14.2x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is NEWTI's PEG ratio?
NEWTI PEG ratio is 1.30, based on a P/E of 10.7x and EPS growth of 20.4%. A PEG between 1 and 2 suggests valuation aligns with growth expectations — typically considered fair.
What is NEWTI's earnings yield?
NEWTI earnings yield is 9.34%, the inverse of its 10.7x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.