NewtekOne, Inc. cash flow to debt ratio of 6.80% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

NewtekOne, Inc.'s free cash flow has increased -136.41% from $-153.45M last year to $55.87M, signaling increasing performance

NewtekOne, Inc.'s debt to equity ratio is 6.55, which means that the company's assets are unhealthy financed, signaling financial risk.

NewtekOne, Inc.'s debt has increased relative to shareholder equity from 2.41 last year to 6.55 today, signaling weakened financials

NewtekOne, Inc. has a net debt to EBITDA ratio of 3.92x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

NewtekOne, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

NewtekOne, Inc.'s profit margin has increased (21.17%) in the last year from 15.95% to 19.32%, signaling increasing performance

NewtekOne, Inc.'s short-term liabilities of $1.70B exceed its short-term assets of $348.96M, signaling financial risk

NewtekOne, Inc.'s return on assets of 2.06% is lower than the 5.00% threshold, indicating inefficient asset utilization

NewtekOne, Inc.'s return on equity of 16.34%, is higher than 15.00%, indicating good performance

NewtekOne, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

NewtekOne, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

NewtekOne, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

NewtekOne, Inc. has a free cash flow yield of 15.02%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

NewtekOne, Inc.'s yearly earnings has increased 18.99% since last year from $50.85M to $60.51M, signaling increasing performance

NewtekOne, Inc.'s yearly revenue has increased 1.04% since last year from $318.85M to $322.17M, signaling increasing performance

ROIC 3.87% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

NewtekOne, Inc.'s 3-year revenue CAGR of 34.81% is positive, indicating growing revenue over the past 3 years

NewtekOne, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

NewtekOne, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

NewtekOne, Inc. is undervalued relative to its fair value price of 16.60 based on Discounted Cash Flow model

NewtekOne, Inc. has an earnings yield of 16.69%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

NewtekOne, Inc. is undervalued relative to its fair value price of 15.57 based on EBITDA multiple model

NewtekOne, Inc. has an EV/EBITDA ratio of 6.63x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

NewtekOne, Inc. is undervalued relative to its fair value price of 77.84 based on Earnings Fair Value model

NewtekOne, Inc. has a PEG-ratio under 1 which is considered undervalued

NewtekOne, Inc. has a price-to-book ratio of 0.95x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

NewtekOne, Inc. has a price-to-sales ratio of 1.16x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue