Income statement, balance sheet and cash flow statement for the last 5 fiscal years, taken from the XBRL data NewtekOne, Inc. files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2021
FY2023
FY2023
FY2024
FY2025
Interest expense
20.5
26.3
67.7
Interest income
0
0
8.85
9.04
11.2
Income tax
1.33
6.46
-1.96
17.8
19.5
Net income
84.1
32.3
47.3
50.9
60.5
EPS, basic
3.69
1.34
1.89
1.97
2.21
EPS, diluted
3.69
1.34
1.88
1.96
2.18
Shares, basic (weighted)
22.8
24.2
24.3
24.9
26.3
Shares, diluted (weighted)
22.8
24.2
24.3
25.2
26.7
Dividend per share
0.72
0.76
0.76
Balance sheet
FY2021
FY2023
FY2023
FY2024
FY2025
Cash and equivalents
187
126
184
381
310
Lease right-of-use assets
7.31
6.48
5.7
5.69
2.79
Goodwill
0
25.9
14.1
14.1
Intangible assets
0
4.24
0.67
0.51
Total assets
1,057
999
1,430
2,060
2,745
Total liabilities
653
624
1,180
1,764
2,347
Total debt
472
539
644
708
820
Paid-in capital
368
354
201
218
254
Retained earnings
35.7
20.6
28.1
57.8
95
Other comprehensive income
0
-0.15
-0.02
-0
Shareholders' equity
404
375
249
296
398
Minority interests
0
Total equity
404
375
249
296
398
Total liabilities and equity
1,057
999
1,430
2,060
2,745
Shares outstanding
24.2
24.6
24.7
26.3
28.7
Cash flow statement
FY2021
FY2023
FY2023
FY2024
FY2025
Net income
84.1
32.3
47.3
50.9
60.5
Depreciation and amortization
0.3
0.24
2.88
1.78
0.67
Stock-based compensation
0
0
2.83
4.06
4.1
Deferred income tax
1.33
6.46
-4.8
10.4
8.48
Change in payables
1.19
9.02
-26.8
6.09
-2.84
Cash from operations
141
-62.4
-169
-153
-579
Capital expenditures
0
-0.01
-0.46
-0.44
-0.11
Acquisitions
0
0
11.1
0
0
Purchases of investments
0
0
-27.2
-33
Sales and maturities of investments
0
1.5
41.5
27.7
Cash from investing
0
-0.01
-172
-209
-245
Stock issued
50
2.02
0
13.8
5.09
Share buybacks
0
0
-0.4
0
Dividends paid
-70.1
-64.5
-14.1
-20.3
-28
Cash from financing
-5.49
1.18
345
561
753
Net change in cash
135
-61.3
3.52
199
-71.1
Free cash flow
141
-62.4
-170
-153
-579
Interest paid
20.1
25.3
66.5
79.2
97.5
Income taxes paid
0
0
6.88
7.43
12.5
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $24.23 on September 25, 2026.
Profitability
Metric
Value
How it is calculated
Return on equity (ROE)
15.8%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
2.1%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Net income growth, 1y
19.0%
Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y
23.3%
Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS growth, 1y
11.2%
EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y
17.6%
Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Dividend per share growth, 1y
0.0%
Dividend per share vs the same period a year earlier. Only from a positive base.
Book value growth, 1y
34.2%
Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y
1.9%
Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets growth, 1y
33.2%
Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y
40.1%
Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Share count change, 1y
6.1%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y
3.4%
Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Balance sheet health
Metric
Value
How it is calculated
Debt / equity
1.34x
Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets
17.4%
Total debt / total assets.
Liabilities / assets
87.0%
Total liabilities / total assets.
Net debt
$159.2M
Total debt - cash - short-term investments. Negative means more cash than debt.
Free cash flow / net income, when net income is positive.
Per share
Metric
Value
How it is calculated
EPS, diluted
$2.28
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share
-$25.81
Free cash flow / diluted weighted shares.
Operating cash flow per share
-$25.81
Cash from operations / diluted weighted shares.
Book value per share
$14.30
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Dividends paid / net income, when net income is positive.
Valuation
Metric
Value
How it is calculated
Market cap
$699.9M
Share price x shares outstanding.
Enterprise value
$859.1M
Market cap + total debt - cash - short-term investments.
P/E
10.7x
Market cap / net income. Only when net income is positive.
P/B
1.69x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
1.75x
Market cap / tangible book value, when positive.
FCF yield
-105.7%
Free cash flow / market cap.
Earnings yield
9.4%
Net income / market cap (the inverse of P/E).
Dividend yield
4.4%
Dividends paid over the period / market cap.
Shareholder yield
4.4%
(Dividends paid + share buybacks) / market cap.
PEG
0.61x
P/E / EPS growth per year over 3 years (in percent). Only when both are positive.
Was NewtekOne, Inc. profitable in fiscal 2025?
Yes. Net income was $60.5M, a net margin of -.
How much free cash flow did NewtekOne, Inc. generate in fiscal 2025?
Cash from operations of $579.2M minus capital expenditures of $106.0K left free cash flow of -$579.3M.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.