NewtekOne, Inc. (FRA:1N31)

NewtekOne Statistics

Total Valuation

NewtekOne has a market cap or net worth of EUR 267.62 million. The enterprise value is 789.64 million.

Market Cap	267.62M
Enterprise Value	789.64M

Important Dates

Earnings Date	n/a
Ex-Dividend Date	Oct 14, 2025

Share Statistics

Current Share Class	28.89M
Shares Outstanding	n/a
Shares Change (YoY)	+4.15%
Shares Change (QoQ)	+1.54%
Owned by Insiders (%)	5.78%
Owned by Institutions (%)	44.13%
Float	24.91M

Valuation Ratios

The trailing PE ratio is 5.45 and the forward PE ratio is 5.05.

PE Ratio	5.45
Forward PE	5.05
PS Ratio	0.83
PB Ratio	0.81
P/TBV Ratio	1.14
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 4.69, with an EV/FCF ratio of -1.78.

EV / Earnings	16.08
EV / Sales	2.41
EV / EBITDA	4.69
EV / EBIT	4.79
EV / FCF	-1.78

Financial Position

The company has a current ratio of 32.31, with a Debt / Equity ratio of 1.94.

Current Ratio	32.31
Quick Ratio	2.95
Debt / Equity	1.94
Debt / EBITDA	3.84
Debt / FCF	-1.45
Interest Coverage	2.05

Financial Efficiency

Return on equity (ROE) is 17.74% and return on invested capital (ROIC) is 11.53%.

Return on Equity (ROE)	17.74%
Return on Assets (ROA)	5.89%
Return on Invested Capital (ROIC)	11.53%
Return on Capital Employed (ROCE)	8.22%
Revenue Per Employee	548,535
Profits Per Employee	83,100
Employee Count	591
Asset Turnover	0.19
Inventory Turnover	n/a

Taxes

In the past 12 months, NewtekOne has paid 17.00 million in taxes.

Income Tax	17.00M
Effective Tax Rate	25.17%

Stock Price Statistics

The stock price has decreased by -35.25% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-35.25%
50-Day Moving Average	9.22
200-Day Moving Average	9.88
Relative Strength Index (RSI)	55.30
Average Volume (20 Days)	n/a

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	11.39

Income Statement

In the last 12 months, NewtekOne had revenue of EUR 324.18 million and earned 49.11 million in profits. Earnings per share was 1.90.

Revenue	324.18M
Gross Profit	271.64M
Operating Income	163.47M
Pretax Income	67.54M
Net Income	49.11M
EBITDA	164.12M
EBIT	163.47M
Earnings Per Share (EPS)	1.90

Balance Sheet

The company has 163.81 million in cash and 639.97 million in debt, giving a net cash position of -476.16 million.

Cash & Cash Equivalents	163.81M
Total Debt	639.97M
Net Cash	-476.16M
Net Cash Per Share	n/a
Equity (Book Value)	329.59M
Book Value Per Share	9.99
Working Capital	1.74B

Cash Flow

In the last 12 months, operating cash flow was -442.71 million and capital expenditures -136,368, giving a free cash flow of -442.85 million.

Operating Cash Flow	-442.71M
Capital Expenditures	-136,368
Free Cash Flow	-442.85M
FCF Per Share	n/a

Margins

Gross margin is 83.79%, with operating and profit margins of 50.42% and 15.59%.

Gross Margin	83.79%
Operating Margin	50.42%
Pretax Margin	20.83%
Profit Margin	15.59%
EBITDA Margin	50.63%
EBIT Margin	50.42%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.68, which amounts to a dividend yield of 7.73%.

Dividend Per Share	0.68
Dividend Yield	7.73%
Dividend Growth (YoY)	-1.37%
Years of Dividend Growth	1
Payout Ratio	36.11%
Buyback Yield	-4.15%
Shareholder Yield	3.57%
Earnings Yield	18.35%
FCF Yield	-165.47%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on October 23, 2014. It was a reverse split with a ratio of 0.2.

Last Split Date	Oct 23, 2014
Split Type	Reverse
Split Ratio	0.2

Scores

NewtekOne has an Altman Z-Score of 1.59 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	1.59
Piotroski F-Score	4