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NewtekOne, Inc.(NEWT)Earnings, Financials & Key Ratios
NEWT•NASDAQ
$14.30
6.1× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryAsset ManagementSub-IndustrySpecialty finance and niche asset platforms
AboutNewtekOne, Inc. is a financial holding company, which engages in the provision of business and financial solutions. Its brands include Newtek Bank, Newtek Lending, Newtek Payments, Newtek Insurance, Newtek Payroll, and Newtek Technology. The company was founded by Barry Sloane in 1998 and is headquartered in Boca Raton, FL.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%
NEWT Price & Volume
NewtekOne, Inc. (NEWT) stock price & volume — 10-year historical chart
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Structural Transition Challenges Amidst Volatile Cash Flows
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 currently navigating a complex transformation into a deposit-funded bank holding company, which has resulted in significant balance sheet expansion and increased leverage.
- While the firm has demonstrated improved operating leverage with 2026Q1 operating income of $46.1M, the persistent disconnect between reported net income and cash generation remains a primary concern.
- Investors should monitor the sustainability of the 7.4% dividend yield against a backdrop of negative free cash flow and the inherent volatility of gain-on-sale premiums in the SBA secondary market.
Verdict Logic
the company's reliance on debt to fund operations, evidenced by a 5.96 debt-to-equity ratio, combined with persistent negative free cash flow, suggests significant execution risk during its banking transition.
NEWT Growth Metrics
NewtekOne, Inc. (NEWT) 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%
NEWT Recent Earnings
NewtekOne, Inc. (NEWT) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 8/12 qtrs (73%)
Q2 2026Latest
Apr 30, 2026Metric
Actual
Est
EPS
$0.43+0.0%
$0.43
Rev
$71M-6.3%
$76M
Q1 2026
Feb 25, 2026Metric
Actual
Est
EPS
$0.69+6.2%
$0.65
Rev
$75M
—
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.65+0.0%
$0.65
Rev
$73M-8.3%
$80M
Q4 2025
Oct 29, 2025Metric
Actual
Est
EPS
$0.67+6.3%
$0.63
Rev
$95M+18.8%
$80M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $0.43vs $0.43+0.0% | $71Mvs $76M-6.3% |
| Q1 2026 | Feb 25, 2026 | $0.69vs $0.65+6.2% | $75M |
| Q1 2026 | Jan 29, 2026 | $0.65vs $0.65+0.0% | $73Mvs $80M-8.3% |
| Q4 2025 | Oct 29, 2025 | $0.67vs $0.63+6.3% | $95Mvs $80M+18.8% |
Based on last 12 quarters of dataView full earnings history →
Latest NEWT News
Recent stock market news and headlines for NewtekOne, Inc. (NEWT)
Zacks Investment Research·Jun 29, 2026
Are Finance Stocks Lagging NewtekOne, Inc. (NEWT) This Year?Here is how NewtekOne (NEWT) and Federal Agricultural Mortgage (AGM) have performed compared to their sector so far this year.
GlobeNewsWire·Jun 23, 2026
NewtekOne Automates Insurance Integration Within Its Proprietary Loan Operating SystemAutomation Accelerates Loan Closing Process and Delivers Comprehensive, Optimized, and Bindable Insurance Package Automation Accelerates Loan Closing Process and Delivers Comprehensive, Optimized, and Bindable Insurance Package
Peers Comparison
Key metrics vs top competitors for NewtekOne, Inc. (NEWT)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $14.30 | $412.68M | 6.06 | 1.04% | 18.78% | 17.44% | 7.65% | |
| $12.10 | $522.22M | 18.33 | 10.7% | 8.56% | 4.56% | — | |
| $9.71 | $90.09M | -3.01 | -3.76% | -31.46% | -7.65% | — | |
| $1.45 | $7.67M | -1.12 | 8.8% | -35.2% | -44.42% | — | |
| $9.94 | $237.07M | 5.58 | 21.09% | 11.67% | 7.73% | — | |
| $51.75 | $492.63M | 11.50 | -3.87% | 31.77% | 18.18% | — |
Compare NEWT vs Peers
NewtekOne, Inc. (NEWT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
NEWT SEC Filings & Documents
NewtekOne, Inc. (NEWT) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Jun 15, 2026·SEC
Material company update
Jun 12, 2026·SEC
Material company update
Apr 30, 2026·SEC
10-K Annual Reports
210-Q Quarterly Reports
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NEWT Frequently Asked Questions
NewtekOne, Inc. (NEWT) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is NewtekOne, Inc.'s revenue?
NewtekOne, Inc. (NEWT) reported $331.9M in revenue for fiscal year 2025.
How fast is NewtekOne, Inc. growing?
NewtekOne, Inc. (NEWT) grew revenue by 1.0% over the past year. Growth has been modest.
Is NEWT profitable?
Yes, NewtekOne, Inc. (NEWT) is profitable, generating $64.5M in net income for fiscal year 2025 (18.8% net margin).
Dividend & Returns
Does NEWT pay dividends?
Yes, NewtekOne, Inc. (NEWT) pays a dividend with a yield of 7.65%. This makes it attractive for income-focused investors.
What is NEWT's return on equity?
NewtekOne, Inc. (NEWT) 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. (NEWT) had negative free cash flow of $434.8M in fiscal year 2025, likely due to heavy capital investments.