Estados financieros detallados de NewtekOne, Inc. (NEWT): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
NewtekOne, Inc. registró ingresos de $322.2M en el último ejercicio fiscal, con un CAGR de 5 años del 28.3%. El beneficio neto alcanzó $60.5M, con un CAGR a 5 años del 12.5%.
Márgenes de los últimos 12 meses: margen bruto 76.7%, margen operativo 47.8%, margen neto 19.3%. El flujo de caja libre creció a un CAGR del 25.8% en 5 años.
Al precio actual de $11.89, NEWT cotiza a un P/E de 5.02 y un ROE del 16.34%. La capitalización bursátil es de $344M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Ingresos | $31.0M | $38.9M | $49.5M | $88.8M | $92.8M | $168.3M | $131.5M | $252.8M | $318.9M | $322.2M |
| Coste de Ventas | $15.2M | $19.3M | $21.1M | $14.3M | $17.9M | $20.5M | $26.3M | $79.4M | $107.3M | $79.6M |
| Beneficio Bruto | $15.7M | $19.6M | $28.4M | $45.0M | $75.0M | $147.8M | $105.2M | $173.4M | $211.5M | $242.6M |
| I+D | 0 | $0 | $0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $31.5M | $10.3M | $39.4M | $10.2M | $9.4M | $25.3M | $27.9M | $88.1M | $99.2M | 0 |
| Gastos Operativos | $31.8M | $35.4M | $40.9M | $62.6M | $42.3M | $62.3M | $66.4M | $128.0M | $142.8M | $105.8M |
| Beneficio Operativo | -$16.1M | -$15.8M | -$12.5M | $11.9M | $32.6M | $85.5M | $38.8M | $45.4M | $68.7M | $136.8M |
| EBITDA | -$524000 | $38.9M | $53.2M | $65.2M | $33.0M | $85.8M | $39.0M | $48.3M | $70.5M | $137.5M |
| Gastos por Intereses | $8.4M | $11.4M | $16.1M | $20.4M | $17.9M | $20.5M | $26.3M | $67.7M | $81.1M | $56.6M |
| Beneficio Antes de Impuestos | $32.4M | $41.2M | $36.8M | $44.3M | $32.6M | $85.5M | $38.8M | $45.4M | $68.7M | $80.0M |
| Impuestos | $5.1M | $2.2M | $1.1M | $3.2M | -$999000 | $1.3M | $6.5M | -$2.0M | $17.8M | $19.5M |
| Beneficio Neto | $27.3M | $39.0M | $35.7M | $41.1M | $33.6M | $84.1M | $32.3M | $47.3M | $50.9M | $60.5M |
| BPA | $1.88 | $2.25 | $1.91 | $2.13 | $1.59 | $3.69 | $1.34 | $1.88 | $1.97 | $2.40 |
| BPA Diluido | $1.88 | $2.25 | $1.91 | $2.13 | $1.59 | $3.69 | $1.34 | $1.88 | $1.96 | $2.36 |
| Acciones en Circulación (Diluidas) | $14.5M | $17.3M | $18.7M | $19.3M | $21.1M | $22.8M | $24.2M | $24.3M | $25.2M | $25.6M |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Caja y Equivalentes | $2.1M | $2.5M | $2.3M | $1.8M | $2.1M | $2.4M | $53.7M | $153.1M | $353.1M | $283.8M |
| Inversiones a Corto | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $1.4M | 0 | 0 |
| Cuentas por Cobrar | $6.2M | $10.8M | $45.8M | $51.2M | $52.7M | $48.9M | 0 | $136.8M | $106.7M | $38.7M |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $29.1M | $31.3M | $77.2M | $89.9M | $113.0M | $242.5M | $654.9M | $291.4M | $459.9M | $349.0M |
| Inmovilizado Material | 0 | 0 | 0 | $8.0M | $6.9M | $7.3M | $6.5M | $5.7M | $5.7M | $2.8M |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $25.9M | $14.1M | $14.1M |
| Activos Intangibles | $16.2M | $19.4M | $21.4M | $24.4M | $26.1M | $28.0M | $30.3M | $4.2M | $667000 | $512000 |
| Activos Totales | $401.4M | $519.6M | $653.3M | $797.4M | $841.0M | $1.06B | $998.9M | $1.43B | $2.06B | $2.74B |
| Cuentas por Pagar | $1.7M | $6.4M | $3.1M | $2.5M | $3.6M | $3.1M | $13.4M | $7.9M | $9.2M | $9.4M |
| Deuda a Corto | $5.1M | 0 | $34.7M | $30.0M | 0 | $183000 | $55.9M | $61.3M | $98.2M | $218.5M |
| Pasivos Corrientes | $9.3M | $10.2M | $45.1M | $39.2M | $11.4M | $10.9M | $77.2M | $534.9M | $1.08B | $1.70B |
| Deuda a Largo | $166.1M | $216.3M | $296.9M | $401.9M | $451.8M | $472.1M | $483.4M | $582.9M | $609.8M | $601.4M |
| Pasivos Totales | $192.4M | $241.3M | $365.9M | $475.2M | $501.6M | $652.7M | $623.5M | $1.18B | $1.76B | $2.35B |
| Reservas | $8.1M | $14.8M | $32.6M | $31.9M | $22.3M | $35.7M | $20.6M | $28.1M | $57.8M | $95.0M |
| Patrimonio Neto | $209.1M | $278.3M | $287.4M | $322.2M | $339.4M | $403.9M | $375.4M | $249.0M | $296.3M | $397.6M |
| Deuda Total | $171.2M | $216.3M | $331.6M | $441.8M | $460.5M | $481.1M | $547.3M | $651.1M | $714.5M | $822.8M |
| Deuda Neta | $169.2M | $213.8M | $329.3M | $440.1M | $458.4M | $478.7M | $493.6M | $496.5M | $361.4M | $538.9M |
| Capital Circulante | $19.8M | $21.2M | $32.1M | $50.7M | $101.6M | $231.6M | $577.7M | -$243.6M | -$622.5M | -$1.35B |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Beneficio Neto | $27.3M | $39.0M | $35.7M | $41.1M | $33.6M | $84.1M | $32.3M | $47.3M | $50.9M | $60.5M |
| Amortizaciones | $296000 | $402000 | $484000 | $501000 | $402000 | $304000 | $239000 | $2.9M | $1.8M | $668000 |
| Compensación en Acciones | 0 | $963000 | 0 | 0 | 0 | 0 | 0 | $2.8M | $4.1M | 0 |
| Cambio en Capital Circulante | $26.6M | -$12.0M | -$35.8M | -$20.4M | -$6.2M | $139.2M | -$52.4M | -$88.1M | -$1.3M | $58.9M |
| Flujo de Caja Operativo | -$14.1M | -$72.9M | -$73.7M | -$89.0M | $17.8M | $140.9M | -$62.4M | -$169.2M | -$153.0M | $56.0M |
| Inversiones (CapEx) | -$375000 | -$446000 | -$627000 | -$126000 | -$10000 | 0 | -$11000 | -$458000 | -$439000 | -$106000 |
| Adquisiciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $11.1M | 0 | -$6.1M |
| Recompra de Acciones | -$866000 | 0 | 0 | -$93000 | 0 | 0 | 0 | 0 | -$402000 | -$1.5M |
| Dividendos Pagados | -$27.3M | -$28.2M | -$32.4M | -$40.8M | -$42.6M | -$70.1M | -$64.5M | -$14.1M | -$441000 | -$28.0M |
| Flujo de Caja Libre | -$14.5M | -$73.4M | -$74.3M | -$89.1M | $17.8M | $140.9M | -$62.4M | -$169.7M | -$153.5M | $55.9M |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Crecimiento Ingresos (anual) | +25.7% | +27.2% | +79.3% | +4.6% | +81.3% | -21.9% | +92.3% | +26.1% | +1.0% | |
| Crecimiento Beneficio Neto (anual) | +42.7% | -8.5% | +15.3% | -18.3% | +150.3% | -61.6% | +46.5% | +7.4% | +19.0% | |
| Crecimiento BPA (anual) | +19.7% | -15.1% | +11.5% | -25.4% | +132.1% | -63.7% | +40.3% | +4.8% | +21.8% | |
| Cambio en Acciones (anual) | +19.2% | +8.0% | +3.3% | +9.4% | +7.8% | +6.2% | +0.6% | +3.4% | +1.8% | |
| Crecimiento FCF (anual) | -407.0% | -1.2% | -19.9% | +119.9% | +693.8% | -144.3% | -171.8% | +9.6% | +136.4% | |
| Margen Bruto | 50.8% | 50.4% | 57.4% | 50.7% | 80.7% | 87.8% | 80.0% | 68.6% | 66.3% | 75.3% |
| Margen Operativo | -51.8% | -40.5% | -25.3% | 13.4% | 35.1% | 50.8% | 29.5% | 17.9% | 21.5% | 42.5% |
| Margen EBITDA | -1.7% | 100.0% | 107.5% | 73.5% | 35.6% | 51.0% | 29.7% | 19.1% | 22.1% | 42.7% |
| Margen Neto | 88.2% | 100.2% | 72.1% | 46.3% | 36.2% | 50.0% | 24.6% | 18.7% | 15.9% | 18.8% |
| Margen FCF | -46.7% | -188.6% | -150.0% | -100.3% | 19.1% | 83.7% | -47.5% | -67.1% | -48.1% | 17.3% |
| Tasa Impositiva Efectiva | 15.8% | 5.3% | 2.9% | 7.1% | -3.1% | 1.6% | 16.7% | -4.3% | 26.0% | 24.3% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| FCF por Acción | $-1.00 | $-4.24 | $-3.97 | $-4.61 | $0.84 | $6.18 | $-2.58 | $-6.97 | $-6.09 | $2.18 |
| Dividendo por Acción | $1.88 | $1.63 | $1.73 | $2.11 | $2.01 | $3.08 | $2.67 | $0.58 | $0.02 | $1.09 |
| Acciones en Circulación (Básicas) | $14.5M | $17.3M | $18.7M | $19.3M | $21.1M | $22.8M | $24.2M | $24.3M | $24.9M | $25.2M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 16.34% |
| Rentabilidad sobre capital invertido | 3.82% |
| Rentabilidad sobre activos | 2.06% |
| Margen bruto | 76.75% |
| Margen operativo | 47.76% |
| Margen neto | 19.32% |
Salud financiera
| Deuda / Patrimonio | 1.35 |
| Ratio corriente | 1200.63 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E | 8.46 | 8.22 | 9.13 | 10.63 | 12.38 | 7.49 | 12.13 | 7.34 | 6.48 | 4.73 |
| P/VC | 1.11 | 1.15 | 1.14 | 1.36 | 1.23 | 1.56 | 1.05 | 1.35 | 1.08 | 0.72 |
| P/V | 7.47 | 8.23 | 6.59 | 4.93 | 4.48 | 3.74 | 2.99 | 1.33 | 1.00 | 0.89 |
| Margen Bruto | 50.8% | 50.4% | 57.4% | 50.7% | 80.7% | 87.8% | 80.0% | 68.6% | 66.3% | 75.3% |
| Margen Operativo | -51.8% | -40.5% | -25.3% | 13.4% | 35.1% | 50.8% | 29.5% | 17.9% | 21.5% | 42.5% |
| Margen Neto | 88.2% | 100.2% | 72.1% | 46.3% | 36.2% | 50.0% | 24.6% | 18.7% | 15.9% | 18.8% |
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