NewtekOne Inc. 8.50% Fixed Rate Senior Notes due 2031 (NEWTO)
StalwartFairStock Score: 41/100 — MIXED
Key Financials
| Current Price | $25.75 |
| Market Cap | — |
| P/E Ratio | — |
| ROE | 18.26% |
| Dividend Yield | —% |
| Sector | Financial Services |
Strengths
- Solid return on equity of 18.3% above cost of capital
AI Analysis
NewtekOne Inc. 8.50% Fixed Rate Senior Notes due 2031 is a micro-cap financial services company. The business generates $393 million in annual revenue with a 4.7% net margin. From a quality standpoint, NewtekOne shows adequate 18% ROE and moderate 1.37x debt-to-equity. Our composite FairStock Score of 41/100 reflects below-average fundamentals overall. Investors should weigh the business quality against the current price and their own margin of safety requirements.
Bull Case
Improving fundamentals and sector tailwinds could drive meaningful earnings growth, compressing the effective multiple for patient investors. Operational leverage in the business model means incremental revenue growth could disproportionately boost bottom-line profitability.
Bear Case
Macro headwinds or sector-specific disruption could pressure margins, particularly if competitive intensity increases in the financial services space. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.
Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer