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Upturn AI SWOT - About
NewtekOne, Inc. 8.625% Fixed Rate Senior Notes due 2029 (NEWTH)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
03/27/2025: NEWTH (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -0.48% | Avg. Invested days 54 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 14706 | Beta - | 52 Weeks Range 24.34 - 25.28 | Updated Date 09/24/2024 |
52 Weeks Range 24.34 - 25.28 | Updated Date 09/24/2024 | ||
Dividends yield (FY) - | Basic EPS (TTM) - |
Earnings Date
Report Date 2025-03-03 | When After Market | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE - | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating - |
Shares Outstanding - | Shares Floating - | ||
Percent Insiders - | Percent Institutions - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
NewtekOne, Inc. 8.625% Fixed Rate Senior Notes due 2029
Company Overview
History and Background
This request concerns the senior notes of NewtekOne, Inc. rather than the company itself. NewtekOne, Inc., formerly Newtek Business Services Corp., was founded in 1998. Initially a business development company (BDC), it focused on providing financial and business services to small and medium-sized businesses (SMBs). The company transitioned away from BDC status in recent years.
Core Business Areas
- Business Lending: Originates and services SBA 7(a) loans and conventional business loans.
- Payment Processing: Provides merchant processing services to businesses.
- Managed Technology Solutions: Offers IT support, cloud services, and cybersecurity solutions.
- Insurance Services: Provides commercial and personal insurance solutions.
Leadership and Structure
Barry Sloane serves as Chairman, President, and CEO. The company operates with a typical corporate structure with executive leadership and various departmental heads.
Top Products and Market Share
Key Offerings
- SBA 7(a) Loans: Provides SBA 7(a) loans to small businesses. Newtek is a leading non-bank SBA lender. Competitors include traditional banks and other non-bank lenders such as Live Oak Bancshares (LOB).
- Payment Processing: Offers merchant payment processing services. Market share data varies and is fragmented. Competitors include Block (SQ), Fiserv (FI), and Global Payments (GPN).
Market Dynamics
Industry Overview
The industries NewtekOne, Inc. operates in are highly competitive, including small business lending, payment processing, and technology solutions. The demand for small business financing and technology services remains strong.
Positioning
NewtekOne, Inc. positions itself as a comprehensive solutions provider for SMBs, differentiating itself through a bundled service approach. This offers a single place to take care of SMB needs.
Total Addressable Market (TAM)
The TAM for SMB lending and technology solutions is substantial, estimated in the hundreds of billions of dollars. NewtekOne, Inc. captures a small percentage of this TAM, indicating significant growth potential.
Upturn SWOT Analysis
Strengths
- Diversified revenue streams
- Strong SBA lending expertise
- Integrated service offerings for SMBs
- Experienced management team
Weaknesses
- Reliance on SBA lending programs
- Sensitivity to interest rate changes
- Complex organizational structure due to multiple business lines
- Potential for credit losses in lending portfolio
Opportunities
- Expansion of technology service offerings
- Acquisition of complementary businesses
- Increased demand for SMB financing
- Strategic partnerships to broaden service reach
Threats
- Increased competition in lending and technology sectors
- Changes in government regulations affecting SBA lending
- Economic downturn impacting SMBs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- LOB
- SQ
- FI
- GPN
Competitive Landscape
NewtekOne, Inc. competes with a mix of large financial institutions, fintech companies, and specialized lenders. Its competitive advantage lies in its integrated service model.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth was driven by expansion of lending and service offerings. Transitioning away from BDC status changes growth strategy.
Future Projections: Future growth depends on successful execution of the new business model and expansion of service offerings. Analyst estimates vary.
Recent Initiatives: Recent initiatives include the transition from BDC status and focusing on becoming a financial holding company.
Summary
NewtekOne, Inc. aims to be a comprehensive service provider for SMBs. The company's strengths include its SBA lending expertise and diversified revenue streams, but weaknesses include reliance on SBA programs and sensitivity to interest rates. Successfully executing its transition from a BDC will be critical to future growth. NewtekOne, Inc. must navigate competitive pressures and economic uncertainties to capitalize on opportunities.
Similar Companies
- LOB
- SQ
- PAYX
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions and company performance can change rapidly. Consult with a qualified financial advisor before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About NewtekOne, Inc. 8.625% Fixed Rate Senior Notes due 2029
Exchange NASDAQ | Headquaters Boca Raton, FL, United States | ||
IPO Launch date 2024-09-17 | President, Chairman & CEO Mr. Barry Scott Sloane | ||
Sector - | Industry - | Full time employees 567 | Website https://www.newtekone.com |
Full time employees 567 | Website https://www.newtekone.com | ||
NewtekOne, Inc. operates as the bank holding company for Newtek Bank, National Association that engages in the provision of various business and financial solutions under the Newtek brand name to the small- and medium-sized business market. The company accepts demand, savings, NOW, money market, and time deposits; and provides loans including SBA loans, commercial and industrial loans, and commercial real estate loans. It is also involved in the provision of electronic payment processing services comprising credit and debit card processing services, check approval services, processing equipment, and software, as well as cloud-based Point of Sale systems for a various restaurant, retail, assisted living, taxi cabs, parks, and golf course businesses. In addition, it offers wholesale brokerage insurance agency services; and payroll management, and related payment and tax reporting services to independent business owners. Further, the company provides website hosting, dedicated server hosting, cloud hosting, web design and development, internet marketing, ecommerce, data storage, backup and disaster recovery, and other related services, including consulting and implementing technology solutions for enterprise and commercial clients as well as SMBs. The company was formerly known as Newtek Business Services Corp. and changed its name to NewtekOne, Inc. in January 2023. NewtekOne, Inc. was founded in 1998 and is headquartered in Boca Raton, Florida.
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