1N31 Stock Chart & Stats
€12.50
-€0.10(-0.79%)
At close: 4:00 PM EDT
€12.50
-€0.10(-0.79%)
Day’s Range― - ―
52-Week Range€8.29 - €13.50
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€371.39M
Enterprise Value€2.37K
Total Cash (Recent Filing)€403.02M
Total Debt (Recent Filing)€2.41B
Price to Earnings (P/E)6.1
Beta0.69
Next Earnings
Aug 06, 2026EPS Estimate
0.41Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)2.42
Shares Outstanding28,891,150
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio0.22
Price to Book (P/B)0.72
Price to Sales (P/S)0.89
P/FCF Ratio5.11
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)2.07
Revenue Forecast (FY)€283.30M
Bulls Say, Bears Say
Bulls Say
Diversified Revenue Mix (interest + Fee Income)A dual revenue model—bank net interest income plus fee income from loan origination, servicing and payments—reduces reliance on any single income stream. This supports margin stability and recurring cash flow as loan volumes and payment activity scale, a durable advantage for SMB-focused finance.
Rapid Deposit Growth And Bank ScaleA materially larger deposit base provides lower‑cost, sticky funding that supports on‑balance sheet lending and liquidity. Scale in deposits and loans improves funding optionality, reduces reliance on wholesale markets, and enables sustained origination throughput and balance sheet expansion over months to years.
Tech-enabled Origination And PaymentsInvestment in real‑time payments and AI underwriting speeds funding and lowers acquisition/processing costs, improving conversion and customer retention. These capabilities create a structural delivery advantage in SMB lending where speed and automation drive wallet share and repeat business.
Bears Say
Elevated Leverage And Reduced FlexibilityA sixfold debt/equity ratio materially increases financial risk and limits strategic flexibility. High leverage magnifies earnings volatility, constrains capital actions, and raises refinancing and covenant risk if credit conditions or earnings weaken, a durable constraint until leverage is meaningfully reduced.
Weak And Inconsistent Cash GenerationDeeply negative trailing cash flows indicate earnings are not converting to cash, forcing reliance on external funding for growth and distributions. Persistent negative OCF raises liquidity and refinancing risk and undermines balance sheet resilience until cash conversion normalizes.
NIM Compression And Funding Cost Trade-offsLarge idle cash and deposit inflows dilute earning asset yields, compressing margins. Coupled with a structural reliance on securitizations (which carry higher interest expense than deposits), the company faces prolonged margin pressure versus peers funded more cheaply by core deposits.
Newtek Business News
1N31 FAQ
What was Newtek Business’s price range in the past 12 months?
Newtek Business lowest stock price was €8.29 and its highest was €13.50 in the past 12 months.
What is Newtek Business’s market cap?
Newtek Business’s market cap is €371.39M.
When is Newtek Business’s upcoming earnings report date?
Newtek Business’s upcoming earnings report date is Aug 06, 2026 which is in 4 days.
How were Newtek Business’s earnings last quarter?
Newtek Business released its earnings results on Apr 30, 2026. The company reported €0.341 earnings per share for the quarter, missing the consensus estimate of €0.363 by -€0.023.
Is Newtek Business overvalued?
According to Wall Street analysts Newtek Business’s price is currently Overvalued.
Does Newtek Business pay dividends?
Newtek Business does not currently pay dividends.
What is Newtek Business’s EPS estimate?
Newtek Business’s EPS estimate is 0.41.
How many shares outstanding does Newtek Business have?
Newtek Business has 28,891,150 shares outstanding.
What happened to Newtek Business’s price movement after its last earnings report?
Newtek Business reported an EPS of €0.341 in its last earnings report, missing expectations of €0.363. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of Newtek Business?
Currently, no hedge funds are holding shares in DE:1N31
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Newtek Business Stock Smart Score
Neutral
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Analyst Consensus
Hold
Average Price Target:
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Blogger Sentiment
Bullish
DE:1N31 Sentiment 67%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth $288.4K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
31.27%
12-Months-Change
Fundamentals
Return on Equity
5.21%
Trailing 12-Months
Asset Growth
35.10%
Trailing 12-Months
Company Description
Newtek Business
NewtekOne, Inc. operates as a financial holding firm, specializing in delivering a comprehensive suite of business and financial solutions. Its diverse portfolio encompasses several key brands, including Newtek Bank, Newtek Lending, Newtek Payments, Newtek Insurance, Newtek Payroll, and Newtek Technology. Barry Sloane founded the company in 1998, and it maintains its corporate headquarters in Boca Raton, Florida.
1N31 Company Deck
1N31 Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a predominantly positive outlook driven by strong loan originations, rapid deposit growth, technological advantages (real-time payments and AI-enabled underwriting), improving credit metrics, robust capital ratios, and high tangible book value growth. Near-term headwinds include NIM compression from large deposit inflows and cash balances, timing-related yield pressure from securitizations, and rising net charge-offs as the portfolio seasons. Management expects many of the timing and liquidity pressures to normalize and reiterated confidence in 2026 guidance and longer-term growth, resulting in an overall favorable tone.View all DE:1N31 earnings summaries1N31 Stock 12 Month Forecast
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