NewtekOne, Inc. (NEWTO) Analyse boursière

Présentation de l'entreprise

NewtekOne, Inc., trading under the ticker NEWTO, functions as a bank holding company that provides various financial solutions to small- and medium-sized businesses through its subsidiary, Newtek Bank, National Association. The entity operates within the banking and financial services sector, specifically focusing on deposit-taking and lending activities under the Newtek and NewtekOne brands. Despite the lack of specific sector classification in the provided data, the company's scale is defined by an annual revenue of $383.33M and an employee base of 572 individuals. The market capitalization for NEWTO is not disclosed in the available facts, meaning that traditional valuation benchmarks based on total equity value cannot be derived from this dataset. The absence of a reported market cap figure suggests that the company's valuation may be derived primarily through alternative metrics such as enterprise value or price-to-book ratios rather than standard market capitalization multiples.

Santé financière

The company reported revenue of $383.33M for the trailing twelve months, generating a net income of $58.18M and an EBITDA of $207.91M. The significant disparity between the $58.18M net income and the $383.33M revenue highlights a substantial tax shield or non-operating income component, as well as the efficiency of the cost structure relative to gross earnings before interest and taxes. However, the free cash flow stands at -$559,332,992, indicating a severe cash burn that suggests heavy capital expenditures or working capital requirements are outpacing operating cash generation. This negative free cash flow position limits the company's immediate financial flexibility to fund organic growth without external financing. The gross margin is reported at 85.3%, reflecting the high-margin nature of banking fee income or low-cost deposit acquisition, while the operating margin sits at 55.6% and the profit margin at 15.8%. The profit margin of 15.8% demonstrates that after all expenses including interest and taxes, the company retains a significant portion of its revenue. On the liquidity side, total cash holdings of $283.81M are contrasted against total debt of $822.76M, resulting in a debt-to-equity ratio of 206.95. This high leverage ratio indicates a highly leveraged balance sheet where interest obligations are substantial relative to shareholders' equity. Furthermore, the current ratio of 14.04 signals exceptionally strong short-term liquidity, as the company holds far more current assets than current liabilities. Return on Equity is 17.4% and Return on Assets is 5.1%, metrics that reveal management is generating efficient returns on the capital invested, particularly considering the high leverage levels.

Évaluation de la valorisation

Trailing and forward P/E ratios are not available in the provided data, preventing a direct comparison of current earnings multiples against future earnings expectations. The price-to-book ratio is recorded at 2.09, which indicates that the market values the company at a premium of roughly 109% over its book value. This premium suggests that investors are willing to pay more for the company's tangible assets, likely due to the stability of its banking franchise or potential for growth in the small- and medium-sized business segment. Alternative valuation metrics include an EV/EBITDA of 6.37 and a price-to-sales ratio that is not reported in the available facts. The 52-week high is $27.90 and the 52-week low is $25.00, defining the recent trading range for the stock. Without a specific current share price in the provided facts, the exact percentage distance from the 52-week high or low cannot be calculated, though the range indicates a relatively narrow trading band of approximately $2.90 over the past year. The beta is 1.30, meaning the stock exhibits 30% higher volatility than the broader market. This elevated beta implies that NEWTO will likely experience larger price swings than the S&P 500 during periods of market turbulence.

Growth & Income

Revenue growth year-over-year is 3.0%, while earnings growth year-over-year is -6.0%. The negative earnings growth despite positive revenue growth implies that costs have risen faster than revenue, or that one-time charges impacted the bottom line, causing profitability to lag behind top-line expansion. The company does not pay a dividend, as indicated by the absence of a dividend yield and payout ratio in the available data. Consequently, the company reinvests its earnings into operations or capital allocation strategies rather than distributing cash to shareholders. The overall growth and income profile for NEWTO is characterized by modest revenue expansion coupled with a decline in earnings and a lack of dividend distribution.