NEWT - NASDAQ

NewtekOne, Inc.

NewtekOne, Inc.

NEWT·NASDAQ

$12.65

-7.3%
Financial ServicesBanks - Regional

NewtekOne, 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.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$365.07M
EPS2.4000
P/E Ratio5.27
Earnings Date07/27/2026
111.00K
Operating Cash Flow
-100%
3Y-100.0%
5Y-99.0%
10Y-101.0%
-90.50M
Investing Cash Flow
-57%
3Y+822618.0%
5Y+904890.0%
10Y+24033.0%
91.97M
Financing Cash Flow
-84%
3Y+7727.0%
5Y+19679.0%
10Y+802.0%
NEWT

NewtekOne, Inc. Cash Conversion Engine

NEWT · NASDAQ
Net Income60.51M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital58.94M
Others-127.68M
Capital Expenditures-106.00K
Free Cash Flow55.87M

Cash Flow Quality Analysis

FCF Conversion Rate

92.3%

Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.

CapEx Intensity

0.2%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+136.4%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

+$58.94M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

NewtekOne, Inc. Cash Flow Statement

NEWT • NASDAQ

NewtekOne, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
Net Income
60.5M
50.9M
47.3M
32.3M
84.1M
33.6M
41.1M
35.7M
39M
27.3M
35.7M
4M
7.5M
5.6M
3.5M
1.3M
-1.4M
-11M
-11.2M
-2.1M
Depreciation & Amortization
0.0
1.8M
2.9M
239K
304K
402K
501K
484K
402K
296K
326K
3.2M
3.3M
3M
4M
4.7M
5.8M
7.6M
7.4M
6.4M
Change in Deferred Taxes
8.3M
10.4M
-4.8M
6.5M
1.3M
-999K
3.2M
1.1M
2.2M
5.1M
825K
16K
-1.4M
-2.8M
-4.3M
-3M
-1.7M
-3M
-6.5M
-613K
Stock-Based Compensation
0.0
4.1M
2.8M
0.0
0.0
0.0
0.0
0.0
963K
0.0
0.0
865K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Other Non-Cash Items
-127.7M
-218.8M
-129.3M
-49M
-84.1M
-9.1M
-113.3M
-75.1M
-103.4M
-73.4M
-32.6M
-29.6M
4.7M
3.4M
8.8M
1.9M
1.4M
4.7M
5.8M
-4.8M
Cash Taxes Paid
(12.5M)
(7.4M)
(6.9M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(5.8M)
(5.4M)
(1.3M)
(388K)
(752K)
(289K)
(907K)
(0.0)
Change in Working Capital
58.9M
-1.3M
-88.1M
-52.4M
139.2M
-6.2M
-20.4M
-35.8M
-12M
26.6M
-42.2M
7.2M
-9.2M
-13.5M
-540K
-7M
-977K
-7.8M
2.6M
3M
Cash from Operating Activities
111K
-153M
-169.2M
-62.4M
140.9M
17.8M
-89M
-73.7M
-72.9M
-14.1M
-38M
-14.4M
5M
-4.4M
11.4M
-2.2M
3.1M
-9.5M
-2M
1.9M
INVESTING ACTIVITIES
Investments in Property, Plant, and Equipment
-106K
-439K
-458K
-11K
(0.0)
-10K
-126K
-627K
-446K
-375K
-105K
-1.4M
-2M
-3.1M
-1.5M
-2.1M
-1.8M
-3.5M
-3.9M
-2.8M
Acquisitions, Net
-6.1M
(0.0)
(11.1M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-145K
-1.4M
(242K)
(238K)
(2.1M)
-572K
(3.6M)
-3M
Purchase of Investments
-20M
-1.2B
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-42.9M
-24.2M
-22.3M
-8.2M
-2.1M
-7.1M
-10.3M
-9.7M
Sale/Maturity of Investments
63.4M
1B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
7.4M
5M
4.7M
3.2M
4M
5.4M
14.2M
31.1M
Other Investing Items
-127.7M
-63.4M
-182.9M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
407K
-28.6M
1.5M
1.2M
1M
533K
1.2M
4.2M
-1.8M
2.8M
Cash from Investing Activities
-90.5M
-209.1M
-172.2M
-11K
(0.0)
-10K
-126K
-627K
-446K
-375K
(302K)
-30M
-36.1M
-22.5M
-17.8M
-6.3M
(3.4M)
-1.5M
(1.8M)
(18.4M)
FINANCING ACTIVITIES
Net Issuance of Common Stock
52M
13.4M
19.5M
2M
50M
25.6M
33.7M
5.2M
56.7M
-866K
35.3M
0.0
0.0
-967K
-16K
0.0
0.0
-458K
-249K
-54K
Net Issuance of Debt
552.2M
65.3M
344.5M
67.1M
21.5M
18.4M
102M
116.4M
44.9M
41.1M
12.1M
25M
38.9M
23.4M
11.3M
10.9M
-9.7M
3.2M
-2.6M
-17.1M
Cash Paid for Dividends
-28M
-441K
-14.1M
-64.5M
-70.1M
-42.6M
-40.8M
-32.4M
-28.2M
-27.3M
-24.3M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-726K
(0.0)
-274K
(0.0)
Share Repurchases
-1.5M
-402K
(0.0)
(0.0)
(0.0)
(0.0)
-93K
(0.0)
(0.0)
-866K
(0.0)
(29.7M)
(0.0)
-967K
-16K
(0.0)
(0.0)
-458K
-249K
-54K
Other Financing Items
-484.2M
482.6M
-4.8M
-3.4M
-6.9M
-904K
-4M
1.2M
-2.3M
-2.7M
1.1M
28.1M
-9.4M
7.4M
-4.1M
-4.5M
-373K
-193K
2M
-348K
Cash from Financing Activities
92M
560.9M
345M
1.2M
-5.5M
465K
90.9M
85.1M
71M
10.2M
24.1M
53.1M
29.4M
29.9M
7.2M
6.3M
-10.8M
2.6M
-1.1M
-17.5M
CASH FLOW SUMMARY
Effect of Foreign Exchange Rates
0.0
-1.5M
54.9M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Net Change in Cash
1.6M
197.4M
58.4M
-61.3M
135.4M
18.2M
1.9M
10.8M
-2.4M
-4.3M
-13.5M
13.4M
-1.7M
3M
819K
-2.2M
-4.3M
-8.5M
-1.3M
2.7M
Cash at Beginning of Period
19.1M
184M
125.6M
186.9M
51.4M
33.2M
31.4M
20.5M
22.9M
27.2M
17.8M
12.5M
14.2M
11.2M
10.4M
12.6M
16.9M
25.4M
26.7M
23.9M
Cash at End of Period
20.7M
381.4M
184M
125.6M
186.9M
51.4M
33.2M
31.4M
20.5M
22.9M
4.3M
25.9M
12.5M
14.2M
11.4M
10.4M
12.6M
16.9M
25.4M
26.7M
Free Cash Flow
55.9M
-153.5M
-169.7M
-62.4M
140.9M
17.8M
-89.1M
-74.3M
-73.4M
-14.5M
-38.1M
-15.8M
2.9M
-7.4M
9.9M
-4.3M
1.4M
-13M
-5.9M
-890K

SEC Filings

NEWT - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

January 12, 2026
January 12, 2026
2026
View Filing
Showing 1 to 1 of 1 filings

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