Stocks · Financial Services · Banks - Regional
NewtekOne, Inc. NEWT
$11.15 -0.27% Close, Oct 5, 2026 · NASDAQ · Market cap $323.0M
Weak trendInexpensive vs sectorHigh risk
Next earnings report: Nov 4, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 47.8% from 20.6% a year earlier.
- The diluted share count rose 21.2% in a year.
- The shares trade at 4.7× trailing earnings, lower than 95% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 22%
- EPS growth (TTM, YoY)Bottom 47%
- Revenue growth, 3-year CAGRTop 13%
- Revenue growth accelerationBottom 37%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 35%
- Gross marginTop 22%
- Operating marginTop 8%
- Cash conversion (OCF / net income)Bottom 2%
- Accruals (lower is better)Bottom 1%
- Net debt / EBITDA (lower is better)Top 46%
- Interest coverTop 36%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 4%
- Free-cash-flow yieldBottom 1%
- EBITDA / enterprise valueTop 4%
- Sales / enterprise valueTop 17%
- P/E vs own 5-year history (lower is better)Top 7%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 49%
- 6-month returnBottom 17%
- 1-year return vs S&P 500Bottom 33%
- Distance from 52-week highBottom 17%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 34%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 16%
- Upside to consensus price targetTop 25%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 25%
- Maximum drawdown, 3 yearsBottom 27%
- Beta vs S&P 500 (lower is better)Bottom 9%
- Net debt / EBITDA (lower is better)Top 46%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -0.4% | -2.0% | ↓ |
| EPS growth (YoY) | 24.9% | 16.8% | ↓ |
| Gross margin | 62.9% | 76.7% | ↑ |
| Operating margin | 20.6% | 47.8% | ↑ |
| FCF margin | -109.4% | -166.7% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -2.0% | -0.4% | ↓ | Bottom 22% |
| EPS growth (TTM, YoY) | 16.8% | 24.9% | ↓ | Bottom 47% |
| Gross margin | 76.7% | 62.9% | ↑ | Top 22% |
| Operating margin | 47.8% | 20.6% | ↑ | Top 8% |
| Net margin | 19.3% | 15.4% | ↑ | — |
| Free-cash-flow margin | -166.7% | -109.4% | ↓ | — |
| Return on invested capital | 3.8% | — | Top 35% | |
| Revenue growth, 3-year CAGR | 34.8% | — | Top 13% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- -2.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 19.8%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- -1.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +113.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.00×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 9.45%
- Net buyback yield (TTM)
- -1.24%
- Shareholder yield
- 8.21%
- Share count change, 1 year
- +21.2%
- Share count change, 3-year CAGR
- +6.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +1.6%
- Average 2-day reaction, last 8
- +1.5%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $14.00
- Target vs current price
- +25.6%
- Analysts with a rating
- 9
- Share rating Buy or Strong Buy
- 22%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 6, 2026 | +0.0% | -1.2% | -15.3% | -20.2% | — |
| Apr 30, 2026 | +0.0% | +2.4% | +6.5% | +9.7% | +13.5% |
| Jan 29, 2026 | +0.0% | +4.7% | +0.5% | -7.0% | -6.8% |
| Oct 29, 2025 | +6.3% | -2.6% | -3.1% | -3.2% | +27.1% |
| Jul 28, 2025 | +4.0% | +0.9% | -4.4% | +6.6% | -8.5% |
| May 6, 2025 | +2.9% | -3.0% | +13.2% | +10.9% | +16.3% |
| Feb 26, 2025 | +6.2% | +0.2% | +3.5% | +1.9% | -11.6% |
| Nov 6, 2024 | +9.8% | +10.6% | +14.9% | +7.5% | -0.5% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 6, 2026 | $0.47 | $0.47 | +0.0% | $75.1M |
| Apr 30, 2026 | $0.43 | $0.43 | +0.0% | $71.0M |
| Jan 29, 2026 | $0.65 | $0.65 | +0.0% | $73.3M |
| Oct 29, 2025 | $0.67 | $0.63 | +6.3% | $74.9M |
| Jul 28, 2025 | $0.52 | $0.50 | +4.0% | $70.2M |
| May 6, 2025 | $0.35 | $0.34 | +2.9% | $66.3M |
| Feb 26, 2025 | $0.69 | $0.65 | +6.2% | $75.4M |
| Nov 6, 2024 | $0.45 | $0.41 | +9.8% | $62.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 4.7× | 7.2× | 5th | Top 4% |
| P/E (forward) | 5.5× | — | — | — |
| EV / EBITDA | 3.0× | — | — | Top 4% |
| EV / Sales | 1.43× | — | — | Top 17% |
| Free-cash-flow yield | -174.85% | — | — | Bottom 1% |
| Earnings yield | 21.17% | — | — | Top 4% |
P/E over the past five years
Range 4.6× – 13.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -0.6%
- Earnings per share growth (TTM)
- +16.8%
- Change in P/E multiple
- -5.4%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -9.0%
- 200-day average slope (20 days)
- +0.6%
- Distance from 50-day average
- -11.4%
- Distance from 200-day average
- -13.9%
- RSI (14)
- 29.3
- Relative volume
- 0.74×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 31.8%
- Volatility vs own 5-year history
- 17th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.37
- Correlation with S&P 500
- 0.55
- Current drawdown from 1-year high
- -28.3%
- Maximum drawdown, 3 years
- -39.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jun 4, 2021 | May 6, 2025 | -75.3% | 984 days | Not yet recovered |
| Oct 2, 2020 | Oct 29, 2020 | -15.2% | 19 days | 43 days (Dec 31, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $323.0M
- P/E (TTM)
- 4.7
- EPS, diluted (TTM)
- $2.36
- Revenue (TTM)
- $338.7M
- Dividend yield
- 8.52%
- 52-week range
- $9.59 – $15.69
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $168.3M | $131.5M | $252.8M | $318.9M | $322.2M |
| Gross profit | $147.8M | $105.2M | $173.4M | $211.5M | $242.6M |
| Operating income | $85.5M | $38.8M | $45.4M | $68.7M | $136.8M |
| Net income | $84.1M | $32.3M | $47.3M | $50.9M | $60.5M |
| EPS (diluted) | $3.69 | $1.34 | $1.88 | $1.96 | $2.36 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $78.7M | $92.9M | $85.8M | $88.4M | $95.1M | $75.2M | $73.3M | $95.2M |
| Net income | $11.9M | $18.3M | $9.4M | $13.7M | $17.9M | $19.5M | $13.4M | $14.6M |
| EPS (diluted) | $0.47 | $0.68 | $0.35 | $0.52 | $0.70 | $0.76 | $0.43 | $0.47 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $140.9M | -$62.4M | -$169.2M | -$153.0M | $56.0M |
| Capital expenditure | $0 | -$11,000 | -$458,000 | -$439,000 | -$106,000 |
| Free cash flow | $140.9M | -$62.4M | -$169.7M | -$153.5M | $55.9M |
| Dividends paid | -$70.1M | -$64.5M | -$14.1M | -$441,000 | -$28.0M |
| Net share buybacks | $50.0M | $2.0M | $19.5M | $13.4M | $3.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $395.0M
- Total assets
- $3.18B
- Total liabilities
- $2.77B
- Total debt
- $556.8M
- Net debt
- $161.8M
- Shareholders’ equity
- $413.4M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 24, 2026 | $0.19 | Oct 1, 2026 |
| Jun 24, 2026 | $0.19 | Jul 1, 2026 |
| Mar 24, 2026 | $0.19 | Apr 1, 2026 |
| Dec 22, 2025 | $0.19 | Jan 2, 2026 |
| Oct 14, 2025 | $0.19 | Oct 24, 2025 |
| Jul 9, 2025 | $0.19 | Jul 21, 2025 |
| Apr 15, 2025 | $0.19 | Apr 30, 2025 |
| Dec 31, 2024 | $0.19 | Jan 13, 2025 |
Short interest
- Shares sold short
- 3,882,305
- Days to cover
- 20.20
- Change vs previous report
- -0.5%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Oct 23, 2014
- 1-for-5
- Jul 8, 1983
- 1-for-2