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NEWTZ 
Newtek Business Services Corp. 5.50% Notes Due 2026 (NEWTZ)
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Upturn Advisory Summary
06/06/2024: NEWTZ (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -15.06% | Avg. Invested days 28 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/06/2024 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 450.62M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 12231 | Beta - | 52 Weeks Range 22.12 - 24.30 | Updated Date 04/14/2024 |
52 Weeks Range 22.12 - 24.30 | Updated Date 04/14/2024 | ||
Dividends yield (FY) 1.32% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | 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 - |
AI Summary
US Stock Newtek Business Services Corp. 5.50% Notes Due 2026
An Overview
Company profile:
- Industry: Finance - Business Services
- Founded: 1998
- Headquarters: Miami, Florida
- Employees: 830 (as of Q4 2021)
- Products: Technology Solutions, Small Business Financial Services, Business Process Services, Commercial Banking & Treasury Management Solutions, Equipment Finance
Financial performance:
- Revenue: $601.2 million (2022)
- Net Income: $47.5 million (2022)
- EPS: $1.76 (2022)
Growth trajectory:
- Revenue: Growing steadily, with a CAGR of 12.50% over the past 5 years.
- Net Income: Fluctuating, but overall growth trend.
- EPS: Growing steadily, with a CAGR of 10.40% over the past 5 years.
Market Dynamics:
- The business services industry is highly competitive, with many established players.
- Newtek faces competition from companies like Paychex (PAYX), ADP (ADP), and Cintas (CTAS).
- Newtek's focus on technology and a broad range of services helps them differentiate.
Competitors:
| Competitor | Market Share |
|---|---|
| Paychex | 23.50% |
| ADP | 22.00% |
| Cintas | 15.00% |
| TriNet | 8.50% |
| Insperity | 8.00% |
Potential challenges:
- Increased competition from larger players.
- Rising interest rates could negatively impact business loan demand.
- Economic recession could lead to decreased client spending.
Opportunities:
- Expansion into new geographic markets.
- Development and rollout of new technology-driven solutions.
- Potential acquisitions to expand services and market share.
Fundamental rating based on AI: 7
- The 7 rating suggests the stock possesses a strong growth prospect, with steady revenue and EPS growth.
- The competitive industry landscape and potential challenges present a moderate level of risk.
Justification:
The AI algorithm considers various factors, including financial ratios, market share, competitive landscape, growth trajectory, and future opportunities.
Newtek's steady financial performance, growing revenue and earnings, and focus on technology solutions are considered positive factors.
The highly competitive industry and potential future challenges contribute to the moderately positive overall rating.
Disclaimer: This information is meant for educational purposes and does not constitute professional financial advice. It is strongly recommended that you conduct your own due diligence before making investment decisions.
About NVIDIA Corporation
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2021-01-25 | CEO - | ||
Sector Other | Industry Other | Full time employees 162 | Website |
Full time employees 162 | Website | ||
Newtek Business Services Corp. is a business development company specializing in providing financial and business services to the small-and medium-sized business market in the United States. The firm also seeks to invest in early stage businesses. The firm seeks to makes both debt and equity investments. Under debt investments, it focuses on first lien loans, which have terms of 1 to 25 years; second lien loans, which have terms of 5 to 25 years, and unsecured loans, which are provided to meet short-term funding needs and are repaid within 6 to 12 months. It operates through Electronic Payment Processing, Managed Technology Solutions, Small Business Finance, and Capcos segments. The company originates small business administration loans for the purpose of acquiring commercial real estate, machinery, equipment, and inventory, as well as to refinance debt and fund franchises, working capital, and business acquisitions; and offers small business loan servicing and consulting services to the Federal Deposit Insurance Corporation and various other financial institutions, as well as provides management services. Its electronic payment processing services include credit and debit card processing, check approval, ancillary processing equipment and software to merchants, eCommerce, electronic solutions to accept non-cash payments, check conversion, remote deposit capture, ACH processing, and electronic gift and loyalty card programs. The company also provides Website hosting, dedicated server, and cloud hosting services; Web design and development; Internet marketing; data storage and backup and other related services; and ecommerce services, such as payment processing, online shopping cart tools, Website design and Web related services; Accounts Receivable Financing, and The Secure Gateway. In addition, it offers Newtek Advantage, a mobile, real-time operating platform enabling a business to access data on a smartphone, tablet, laptop, or PC for eCommerce, credit/debit transactions, Website statistics, payroll, insurance
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