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NEWTH

NEUTRAL
$25.09 Live
NewtekOne, Inc. · NASDAQ
$24.28 52W Range $25.69

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AI Analysis

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Confidence
70%
The company presents a stable financial health profile with a Piotroski F-Score of 5/9, though it lacks a definitive Altman Z-Score for bankruptcy risk assessment. While the business demonstrates exceptional profitability margins and strong double-digit earnings growth (58.8% YoY), these fundamentals are contradicted by a bearish technical trend (0/100) and weak insider sentiment (40/100). The high debt-to-equity ratio of 2.40 is a significant concern, although it is currently mitigated by an unusually high current ratio of 14.23. Overall, the strong operational growth is offset by poor market sentiment and high leverage.

Key Strengths

Exceptional gross margins (83.07%) and operating margins (46.73%)
Strong earnings growth (58.8% YoY) and Q/Q earnings growth (56.1%)
Robust short-term liquidity with a current ratio of 14.23
Healthy Return on Equity (ROE) of 17.13%
Consistent revenue growth of 21.7% YoY

Key Risks

High leverage with a Debt/Equity ratio of 2.40
Bearish technical trend (0/100) indicating lack of price momentum
Low insider sentiment (40/100) suggesting lack of internal confidence
Stagnant long-term price performance (-0.4% over 5 years)
Lack of dividend yield or shareholder return program

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