NEWTI - NASDAQ

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028

NEWTI·NASDAQ

$25.25

-0.079%

Financial ServicesFinancial - Credit Services

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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$324.40M

EPS2.4300

P/E Ratio10.39

Earnings Date01/29/2026

2.74B

Assets

33%

3Y+175.0%

5Y+226.0%

10Y+53720.0%

2.35B

Total Liabilities

33%

3Y+276.0%

5Y+368.0%

10Y+801009.0%

397.57M

Total Equity

34%

3Y+6.0%

5Y+17.0%

10Y-28.0%

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 Funding & Solvency Profile

NEWTI · NASDAQ

Current Assets

Cash & Cash Equivalents310.29M

Net Receivables438.00K

Inventory0.00

Other Current Assets-310.73M

Total Current Assets0

Non-Current Assets

Property, Plant & Equipment2.79M

Goodwill & Intangible Assets59.52M

Long-Term Investments0.00

Other Non-Current Assets-62.31M

Total Non-Current Assets-59519000

Total Assets

2.74B

Financial Health Analysis

Debt-to-Equity Ratio

5.90x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-95351000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

0% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 Balance Sheet

NEWTI • NASDAQ

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	310.3M	353.1M	153.1M	53.7M	2.4M	51.4M	33.2M	31.4M	20.5M	22.9M	27.2M	17.8M	12.5M	14.2M
Short-Term Investments	0.0	0.0	0.0	0.0	0.0	0.0	0.0	9K	9K	35K	35K	3M	0.0	0.0
Cash & Short-Term Investments	310.3M	353.1M	153.1M	53.7M	2.4M	51.4M	33.2M	31.4M	20.5M	22.9M	27.2M	20.8M	12.5M	14.2M
Net Receivables	438K	30.4M	200K	0.0	44.5M	52.7M	51.2M	42.6M	8.5M	6.2M	32.9M	2.2M	28.2M	35.9M
Accounts Receivables	0.0	30.4M	200K	0.0	44.5M	52.7M	51.2M	42.6M	8.5M	0.0	32.9M	2.2M	28.2M	0.0
Other Receivables	438K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	6.2M	0.0	0.0	0.0	27.6M
Inventory	0.0	0.0	0.0	0.0	0.0	0.0	-794.9M	-651.3M	-518.5M	0.0	0.0	0.0	0.0	0.0
Prepaids	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	15.6M	0.0
Other Current Assets	-310.7M	1.5B	1.1B	601.2M	191.2M	8.8M	800.4M	34.3M	21.5M	25.5M	26.9M	18.6M	29M	75.6M
Total Current Assets	0.0	1.9B	1.2B	654.9M	238.1M	113M	89.9M	79.2M	32.5M	30M	64.2M	41.6M	85.3M	125.7M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	2.8M	5.7M	5.7M	6.5M	7.3M	6.9M	8M	-653.3M	-519.6M	-401.5M	0.0	0.0	3.7M	2.8M
Goodwill	0.0	14.1M	25.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	12.1M	12.1M
Intangible Assets	0.0	46.9M	44M	30.3M	28M	26.1M	24.4M	21.4M	19.4M	16.2M	13M	9.5M	8M	6.9M
Goodwill & Intangible Assets	59.5M	61M	69.8M	30.3M	28M	26.1M	24.4M	21.4M	19.4M	16.2M	13M	9.5M	20.1M	19M
Long-Term Investments	0.0	81.6M	73.8M	283.6M	758.8M	671.2M	659M	541.1M	456.7M	345.2M	266.9M	230.5M	83.7M	1.7M
Tax Assets	0.0	0.0	0.0	0.0	0.0	841M	797.4M	653.3M	519.6M	401.5M	0.0	0.0	0.0	0.0
Other Non-Current Assets	-62.3M	29.3M	63.7M	23.6M	24.3M	-817.2M	-781.3M	11.7M	11.1M	10.1M	8.3M	20.3M	5.8M	-23.6M
Total Non-Current Assets	0.0	177.6M	213M	344M	818.4M	728M	707.5M	574.1M	487.1M	371.5M	288.2M	260.2M	113.3M	23.6M
Other Assets	2.7B	0.0	0.0	0.0	0.0	0.0	0.0	-618.6M	0.0	-396.4M	0.0	0.0	0.0	3.4M
Total Assets	2.7B	2.1B	1.4B	998.9M	1.1B	841M	797.4M	34.7M	519.6M	5.1M	352.4M	301.8M	198.6M	152.7M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	18.3M	15.5M	13.4M	3.1M	3.6M	2.5M	3.1M	1.4M	0.0	1.3M	1.6M	3.9M	0.0
Accounts Payable	0.0	18.3M	15.5M	13.4M	3.1M	3.6M	2.5M	3.1M	1.4M	0.0	1.3M	1.6M	3.9M	0.0
Accrued Expenses	0.0	9.6M	9.3M	8M	9.3M	7.8M	6.7M	7.3M	5.7M	4M	3.4M	1.7M	3M	0.0
Short Term Debt	0.0	0.0	38.1M	55.9M	183K	1.6M	30M	34.7M	0.0	5.1M	29.1M	0.0	0.0	0.0
Capital Lease Obligations (Current)	0.0	2.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Deferred Revenue	0.0	0.0	0.0	0.0	0.0	-1.6M	-31.6M	-656.7M	-450.8M	-354.3M	78K	0.0	0.0	0.0
Other Current Liabilities	95.4M	22.6M	14.8M	0.0	0.0	0.0	31.6M	0.0	1M	0.0	5.8M	0.0	1.5M	1.8M
Total Current Liabilities	95.4M	52.8M	77.7M	77.2M	12.5M	11.4M	39.2M	9.2M	8.2M	6M	39.6M	3.3M	8.4M	5M
NON-CURRENT LIABILITIES
Long Term Debt	2.2B	708M	606M	483.4M	472.1M	451.8M	401.9M	296.9M	216.3M	166.1M	103.7M	125.2M	105M	48.5M
Deferred Revenue (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	475.2M	365.9M	241.3M	192.4M	78K	0.0	0.0	0.0
Deferred Tax Liabilities (Non-Current)	10.7M	0.0	0.0	0.0	0.0	0.0	12.4M	-264.8M	-192.1M	-147.9M	857K	0.0	0.0	0.0
Other Non-Current Liabilities	-2.3B	998.7M	489.8M	54.9M	159M	31.3M	0.0	23.9M	17.9M	15.4M	5.1M	6.9M	7.5M	22.1M
Total Non-Current Liabilities	0.0	1.7B	1.1B	546.3M	640.1M	490.2M	436M	320.8M	234.1M	181.5M	108.8M	132.1M	113.2M	70.6M
Other Liabilities	2.3B	0.0	0.0	0.0	0.0	0.0	0.0	-329.7M	-241.9M	-187.2M	0.0	0.0	0.0	8.3M
Capital Lease Obligations	2.9M	6.5M	7M	8M	9.1M	7.1M	8.3M	0.0	0.0	0.0	0.0	0.0	642K	0.0
Total Liabilities	2.3B	1.8B	1.2B	623.5M	652.7M	501.6M	475.2M	379K	369K	293K	148.5M	135.4M	121.6M	83.8M
SHAREHOLDERS' EQUITY
Treasury Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-574.5M	-46M	0.0	0.0	0.0	-1.3M	-1.5M
Preferred Stock	48.2M	19.7M	19.7M	0.0	0.0	0.0	31.9M	4M	14.8M	8.1M	0.0	0.0	0.0	0.0
Common Stock	573K	526K	492K	492K	483K	439K	411K	28.5M	15.8M	12.2M	290K	205K	148K	738K
Additional Paid-In Capital	253.8M	218.3M	200.9M	354.2M	367.7M	316.6M	290M	254.5M	247.4M	188.5M	189M	165.5M	61.9M	60.6M
Retained Earnings	95M	57.8M	28.1M	20.6M	35.7M	22.3M	31.9M	287.4M	278.3M	209.1M	4.4M	681K	14.5M	7M
Accumulated Other Comprehensive Income/Loss	-4K	-21K	-148K	0.0	0.0	0.0	0.0	287.4M	278.3M	209.1M	10.2M	0.0	0.0	0.0
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-574.5M	-46M	160.1M	0.0	0.0	0.0	0.0
Total Stockholders' Equity	397.6M	296.3M	249M	375.4M	403.9M	339.4M	322.2M	653.3M	519.6M	401.5M	203.9M	166.4M	75.3M	66.8M
Total Equity	397.6M	296.3M	249M	375.4M	403.9M	339.4M	322.2M	953.6M	715.3M	549.8M	203.9M	166.4M	77M	68.9M
Minority Interest	0.0	0.0	0.0	0.0	0.0	0.0	408.6M	300.3M	195.7M	148.3M	0.0	0.0	1.7M	2.1M
SUMMARY
Total Liabilities & Equity	2.7B	2.1B	1.4B	998.9M	1.1B	841M	797.4M	331.6M	216.3M	171.2M	352.4M	301.8M	198.6M	0.0
Total Investments	0.0	81.6M	73.8M	283.6M	758.8M	671.2M	659M	541.1M	456.7M	345.2M	266.9M	233.5M	83.7M	1.7M
Total Debt	2.2B	714.5M	651.1M	547.3M	481.3M	460.5M	441.8M	35M	12.2M	10.9M	132.6M	125.2M	105.6M	0.0
Net Debt	1.9B	361.4M	498M	493.6M	478.9M	409.1M	408.6M	3.7M	-8.3M	-12M	105.4M	107.4M	93.1M	-14.2M
Shares Outstanding	12,847,570	12,847,570	12,847,570	12,847,570	12,847,570	12,847,570	12,847,570	12,847,570	12,847,570	12,847,570	12,847,570	12,847,570	12,847,570	12,847,570

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