What is Newtekone Inc's earnings per share (EPS)?

Newtekone Inc (NEWTG) reported diluted earnings per share of $2.18 for fiscal year 2025. This represents a 11.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Newtekone Inc Financials

NEWTG

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Newtekone Inc (NEWTG) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Weak

2/9

Newtekone Inc passes 2 of 9 financial strength tests. 1 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass.

Earnings Quality Low Quality

-9.57x

For every $1 of reported earnings, Newtekone Inc generates $-9.57 in operating cash flow (-$579.2M OCF vs $60.5M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

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Earnings & Revenue

Revenue

N/A

EBITDA

N/A

Net Income

$60.5M

YoY+19.0%

Newtekone Inc reported $60.5M in net income in fiscal year 2025. This represents an increase of 19.0% from the prior year.

EPS (Diluted)

$2.18

YoY+11.2%

Newtekone Inc earned $2.18 per diluted share (EPS) in fiscal year 2025. This represents an increase of 11.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

-$579.3M

YoY-277.5%

Newtekone Inc generated -$579.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 277.5% from the prior year.

Cash & Debt

$310.3M

YoY-18.6%

Newtekone Inc held $310.3M in cash against $819.9M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.76

YoY+0.0%

Newtekone Inc paid $0.76 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

29M

YoY+9.0%

Newtekone Inc had 29M shares outstanding in fiscal year 2025. This represents an increase of 9.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

N/A

Return on Equity

15.2%

YoY-1.9pp

Newtekone Inc's ROE was 15.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.9 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

YoY-100.0%

Newtekone Inc spent $0 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

$106K

YoY-75.9%

Newtekone Inc invested $106K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 75.9% from the prior year.

NEWTG Income Statement

Metric	FY25	FY24	FY23	FY22	FY21
Revenue	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A
Interest Expense	$98.5M+21.5%	$81.1M+19.7%	$67.7M+157.3%	$26.3M+28.3%	$20.5M
Income Tax	$19.5M+9.1%	$17.8M+1012.0%	-$2.0M-130.3%	$6.5M+387.1%	$1.3M
Net Income	$60.5M+19.0%	$50.9M+7.4%	$47.3M+46.5%	$32.3M-61.6%	$84.1M
EPS (Diluted)	$2.18+11.2%	$1.96+4.3%	$1.88+40.3%	$1.34-63.7%	$3.69

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	$24.5M+8.6%	$22.6M-5.7%	$24.0M	N/A	$20.3M+0.3%	$20.2M+11.4%	$18.2M
Income Tax	N/A	$7.2M+41.3%	$5.1M+122.1%	$2.3M	N/A	$5.1M+33.5%	$3.8M+11.3%	$3.4M
Net Income	N/A	$17.9M+30.6%	$13.7M+46.3%	$9.4M	N/A	$11.9M+9.0%	$10.9M+13.4%	$9.7M
EPS (Diluted)	N/A	$0.67+28.8%	$0.52+48.6%	$0.35	N/A	$0.45+4.7%	$0.43+13.2%	$0.38

NEWTG Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21
Total Assets	$2.7B+33.2%	$2.1B+44.1%	$1.4B+43.1%	$998.9M-5.5%	$1.1B
Current Assets	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$310.3M-18.6%	$381.4M+107.3%	$184.0M+46.5%	$125.6M-32.8%	$186.9M
Inventory	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A
Goodwill	$14.1M0.0%	$14.1M-45.6%	$25.9M	$0	N/A
Total Liabilities	$2.3B+33.1%	$1.8B+49.4%	$1.2B+89.3%	$623.5M-4.5%	$652.7M
Current Liabilities	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$819.9M+15.8%	$708.0M+9.9%	$644.1M+19.4%	$539.3M+14.3%	$472.1M
Total Equity	$397.6M+34.2%	$296.3M+19.0%	$249.0M-33.7%	$375.4M-7.1%	$403.9M
Retained Earnings	$95.0M+64.4%	$57.8M+106.0%	$28.1M+36.0%	$20.6M-42.3%	$35.7M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$2.7B+14.4%	$2.4B+12.8%	$2.1B-0.5%	$2.1B+3.7%	$2.1B+23.0%	$1.7B+3.5%	$1.6B+7.1%	$1.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$310.3M+43.0%	$216.9M+1.7%	$213.3M-27.5%	$294.1M-22.9%	$381.4M+100.3%	$190.4M-7.7%	$206.3M+26.4%	$163.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$14.1M0.0%	$14.1M0.0%	$14.1M0.0%	$14.1M0.0%	$14.1M0.0%	$14.1M-45.6%	$25.9M0.0%	$25.9M
Total Liabilities	$2.3B+16.6%	$2.0B+10.9%	$1.8B-1.1%	$1.8B+4.0%	$1.8B+26.7%	$1.4B+3.7%	$1.3B+7.0%	$1.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$819.9M+9.5%	$748.5M+13.9%	$657.3M-15.1%	$774.0M+9.3%	$708.0M+8.0%	$655.8M+0.6%	$652.0M-1.6%	$662.5M
Total Equity	$397.6M+2.8%	$386.7M+23.9%	$312.2M+3.3%	$302.3M+2.0%	$296.3M+5.1%	$281.8M+2.8%	$274.0M+7.8%	$254.1M
Retained Earnings	$95.0M+15.9%	$82.0M+17.1%	$70.0M+13.7%	$61.5M+6.5%	$57.8M+28.9%	$44.8M+17.2%	$38.3M+17.3%	$32.6M

NEWTG Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21
Operating Cash Flow	-$579.2M-278.6%	-$153.0M+9.6%	-$169.2M-171.1%	-$62.4M-144.3%	$140.9M
Capital Expenditures	$106K-75.9%	$439K-4.1%	$458K+4063.6%	$11K	$0
Free Cash Flow	-$579.3M-277.5%	-$153.5M+9.6%	-$169.7M-171.8%	-$62.4M-144.3%	$140.9M
Investing Cash Flow	-$245.3M-17.3%	-$209.1M-21.4%	-$172.2M-1565672.7%	-$11K	$0
Financing Cash Flow	$753.5M+34.3%	$560.9M+62.6%	$345.0M+29259.5%	$1.2M+121.4%	-$5.5M
Dividends Paid	$28.0M+38.5%	$20.3M+43.2%	$14.1M-78.1%	$64.5M-8.0%	$70.1M
Share Buybacks	$0-100.0%	$402K	$0	$0	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	-$151.4M+9.5%	-$167.3M+16.3%	-$199.8M-229.2%	-$60.7M+33.7%	-$91.6M-256.8%	-$25.7M-978.1%	$2.9M+107.6%	-$38.7M
Capital Expenditures	$10K+100.0%	$5K-90.7%	$54K+45.9%	$37K-42.2%	$64K-74.1%	$247K+247.9%	$71K+24.6%	$57K
Free Cash Flow	-$151.4M+9.5%	-$167.3M+16.3%	-$199.9M-229.0%	-$60.7M+33.7%	-$91.7M-253.7%	-$25.9M-1008.7%	$2.9M+107.4%	-$38.7M
Investing Cash Flow	-$51.4M+26.3%	-$69.8M-55.7%	-$44.8M+43.4%	-$79.2M+8.1%	-$86.2M-243.9%	-$25.1M+53.5%	-$54.0M-23.2%	-$43.8M
Financing Cash Flow	$296.2M+23.0%	$240.8M+47.0%	$163.8M+210.8%	$52.7M-85.7%	$368.8M+916.3%	$36.3M-61.5%	$94.2M+52.7%	$61.7M
Dividends Paid	$11.9M+107.9%	$5.7M+9.0%	$5.2M0.0%	$5.2M-0.1%	$5.2M+0.2%	$5.2M	$0-100.0%	$4.8M
Share Buybacks	-$167K	$0	N/A	N/A	$402K	$0	N/A	N/A

NEWTG Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21
Gross Margin	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A
Return on Equity	15.2%-1.9pp	17.2%-1.8pp	19.0%+10.4pp	8.6%-12.2pp	20.8%
Return on Assets	2.2%-0.3pp	2.5%-0.8pp	3.3%+0.1pp	3.2%-4.7pp	8.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	2.06-0.3	2.39-0.2	2.59+1.1	1.44+0.3	1.17
FCF Margin	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	N/A	4.6%+0.2pp	4.4%+1.3pp	3.1%	N/A	4.2%+0.3pp	4.0%+0.2pp	3.8%
Return on Assets	N/A	0.8%+0.1pp	0.6%+0.2pp	0.4%	N/A	0.7%+0.0pp	0.7%+0.0pp	0.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	2.06+0.1	1.94-0.2	2.11-0.5	2.56+0.2	2.39+0.1	2.33-0.1	2.38-0.2	2.61
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Frequently Asked Questions

Is Newtekone Inc profitable?

Yes, Newtekone Inc (NEWTG) reported a net income of $60.5M in fiscal year 2025.

How much debt does Newtekone Inc have?

As of fiscal year 2025, Newtekone Inc (NEWTG) had $310.3M in cash and equivalents against $819.9M in long-term debt.

Does Newtekone Inc pay dividends?

Yes, Newtekone Inc (NEWTG) paid $0.76 per share in dividends during fiscal year 2025.

What is Newtekone Inc's return on equity (ROE)?

Newtekone Inc (NEWTG) has a return on equity of 15.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Newtekone Inc's free cash flow?

Newtekone Inc (NEWTG) generated -$579.3M in free cash flow during fiscal year 2025. This represents a -277.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Newtekone Inc's operating cash flow?

Newtekone Inc (NEWTG) generated -$579.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Newtekone Inc's total assets?

Newtekone Inc (NEWTG) had $2.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Newtekone Inc's capital expenditures?

Newtekone Inc (NEWTG) invested $106K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Newtekone Inc have outstanding?

Newtekone Inc (NEWTG) had 29M shares outstanding as of fiscal year 2025.

What is Newtekone Inc's debt-to-equity ratio?

Newtekone Inc (NEWTG) had a debt-to-equity ratio of 2.06 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Newtekone Inc's return on assets (ROA)?

Newtekone Inc (NEWTG) had a return on assets of 2.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Newtekone Inc's cash runway?

Based on fiscal year 2025 data, Newtekone Inc (NEWTG) had $310.3M in cash against an annual operating cash burn of $579.2M. This gives an estimated cash runway of approximately 6 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.

What is Newtekone Inc's Piotroski F-Score?

Newtekone Inc (NEWTG) has a Piotroski F-Score of 2 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Newtekone Inc's earnings high quality?

Newtekone Inc (NEWTG) has an earnings quality ratio of -9.57x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.