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

-4.66M

Operating Cash Flow

-97%

3Y-103.0%

5Y-78.0%

10Y-82.0%

-357.41M

Investing Cash Flow

108%

3Y+1005.0%

5Y+425.0%

10Y-118446.0%

560.90M

Financing Cash Flow

63%

3Y-10320.0%

5Y+517.0%

10Y+2223.0%

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

NEWTI · NASDAQ

FCF Components

Net Income50.85M

Depreciation & Amortization-1.34M

Stock-Based Compensation4.06M

Change in Working Capital-1.30M

Others-67.33M

Capital Expenditures-439.00K

Free Cash Flow-5.10M

Cash Flow Quality Analysis

FCF Conversion Rate

-10.0%

Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.

CapEx Intensity

-9.4%

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

FCF Growth Trend

+97.0%

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

Working Capital Impact

-$1.30M

Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.

Cash Flow Quality Insight

Cash flow concerns: Despite profitability, the company is burning cash. Review working capital management, CapEx levels, and sustainability of current operations.

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

NEWTI • NASDAQ

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 Cash Flow Statement	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
OPERATING ACTIVITIES
Net Income	50.9M	47.3M	32.3M	84.1M	33.6M	12.7M	35.7M	39M	27.3M	35.7M	4M	7.5M	5.6M
Depreciation & Amortization	-1.3M	2.9M	239K	304K	2.3M	501K	484K	402K	296K	326K	3.2M	3.3M	3M
Change in Deferred Taxes	10.4M	-4.8M	6.5M	1.3M	0.0	3.2M	1.1M	2.2M	5.1M	857K	-1.4M	494K	2.2M
Stock-Based Compensation	4.1M	2.8M	2.5M	2.1M	567K	636K	585K	963K	577K	0.0	865K	784K	543K
Other Non-Cash Items	-67.3M	-129.3M	-41.1M	-45.1M	1M	-17.6M	-3.7M	-36.7M	-97.3M	-1.7M	-29.6M	6.3M	-13M
Change in Working Capital	-1.3M	-88.1M	-52.4M	130.5M	-4.8M	-20.4M	-35.8M	-12M	26.6M	-29.6M	7.2M	-12.9M	-2.8M
Cash from Operating Activities	-4.7M	-169.2M	-52.1M	173.3M	32.7M	-21M	-38.4M	-16.3M	-14.1M	-25.3M	-14.4M	5M	-4.4M
INVESTING ACTIVITIES
Investments in Property, Plant, and Equipment	-439K	-458K	-11K	(0.0)	-10K	-126K	-627K	-446K	-375K	-105K	-1.4M	-2M	-3.1M
Acquisitions, Net	(0.0)	(11.1M)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	-145K	(0.0)
Purchase of Investments	-1.2B	-832.1M	-831.5M	-1.4B	-1.5B	-572M	-479.8M	-428.1M	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)
Sale/Maturity of Investments	1B	708.3M	821.2M	1.3B	1.4B	495.6M	515.2M	371.4M	0.0	0.0	0.0	0.0	0.0
Other Investing Items	-211.7M	-59M	0.0	0.0	38.4M	8.4M	0.0	0.0	0.0	407K	-28.6M	-33.9M	-19.4M
Cash from Investing Activities	-357.4M	-172.2M	-10.4M	-32.3M	-14.9M	-68.1M	-35.9M	-57.1M	-375K	(302K)	-30M	-36.1M	-22.5M
FINANCING ACTIVITIES
Net Issuance of Common Stock	13.6M	19.5M	2M	-1.6M	-48K	-93K	5.2M	56.7M	-866K	0.0	0.0	0.0	-967K
Net Issuance of Debt	567.8M	19.5M	67.1M	21.5M	18.4M	102M	116.4M	43.2M	38.4M	12.1M	25M	38.9M	22.2M
Cash Paid for Dividends	-20.3M	-14.1M	-64.5M	-70.1M	-42.6M	-40.8M	-32.4M	-28.2M	-27.3M	-24.3M	(0.0)	(0.0)	(0.0)
Share Repurchases	-402K	(0.0)	-826K	-1.6M	-91K	-93K	-109K	-667K	-866K	(0.0)	(0.0)	(0.0)	-967K
Other Financing Items	-299K	320.1M	-3.4M	44.7M	24.7M	29.8M	-4.1M	-2.3M	-14K	36.4M	28.1M	-9.4M	8.7M
Cash from Financing Activities	560.9M	345M	1.2M	-5.5M	465K	90.9M	85.1M	69.3M	9M	24.1M	53.1M	29.4M	29.9M
CASH FLOW SUMMARY
Effect of Foreign Exchange Rates	-1.5M	54.9M	0.0	0.0	0.0	0.0	0.0	0.0	22.9M	-8.1M	4.7M	0.0	11.2M
Net Change in Cash	197.4M	58.4M	-61.3M	135.4M	18.2M	1.9M	10.8M	-2.4M	18.6M	1.3M	13.4M	-1.7M	14.2M
Cash at Beginning of Period	184M	125.6M	186.9M	51.4M	33.2M	31.4M	20.5M	22.9M	4.3M	25.9M	12.5M	14.2M	0.0
Cash at End of Period	381.4M	184M	125.6M	186.9M	51.4M	33.2M	31.4M	20.5M	22.9M	27.2M	25.9M	12.5M	14.2M
Free Cash Flow	-5.1M	-169.7M	-52.1M	173.3M	32.7M	-21.1M	-39M	-16.7M	-14.5M	-25.4M	-15.8M	2.9M	-7.4M

SEC Filings

NEWTI - Filing history and reports

No SEC filings available for NEWTI

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