$25.22

+0.06 (+0.24%)

Pre-Market: $23.80 (-1.42, -5.65%)

Weekly Expected Move ±1.1%

$25 $25 $25 $25 $26

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 58 · $331.0M mcap · 12M float · 0.014% daily turnover · Short 76% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Dividends Analysis Technicals Weather Peers ESG Institutions Dark Pool Short Interest

Income Trends

Revenue

$322M +1.0% ▲

5Y CAGR: +28.4%

Gross Profit

$243M +14.7% ▲

5Y CAGR: +21.3%

Operating Income

$137M +99.1% ▲

5Y CAGR: +22.1%

Net Income

$61M +19.0% ▲

5Y CAGR: +12.5%

EPS (Diluted)

$2.36 +20.4% ▲

5Y CAGR: +8.2%

EBITDA

$137M +95.0% ▲

5Y CAGR: +22.3%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$168M	$131M	$271M	$339M	$322M
YoY Growth	+55.4%	-1.8%	+71.6%	+23.0%	+1.0%
Cost of Revenue	$0	$0	$44M	$58M	$80M
Gross Profit	$168M	$131M	$227M	$280M	$243M
Gross Margin	100.0%	100.0%	83.7%	82.8%	75.3%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$31M	$33M	$101M	$115M	$0
Operating Expenses	$31M	$33M	$101M	$115M	$106M
Operating Income	$137M	$99M	$126M	$165M	$137M
Operating Margin	81.6%	75.1%	46.4%	48.8%	42.5%
Interest Expense	$21M	$26M	$68M	$0	$57M
Income Before Tax	$85M	$39M	$45M	$69M	$80M
Tax Expense	$1M	$6M	-$2M	$18M	$19M
Net Income	$84M	$32M	$47M	$51M	$61M
Net Margin	50.0%	24.6%	17.5%	15.0%	18.8%
EPS (Diluted)	$3.69	$1.34	$1.88	$1.96	$2.36
EBITDA	$137M	$99M	$126M	$165M	$137M
Shares Outstanding	23M	24M	24M	25M	26M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$83M	$98M	$90M	$93M	$95M	$75M	$73M	$95M
Cost of Revenue	$13M	$18M	$18M	$14M	$32M	$21M	$13M	$13M
Gross Profit	$70M	$80M	$72M	$79M	$63M	$55M	$60M	$83M
Gross Margin	84.2%	81.6%	80.1%	85.4%	66.1%	72.5%	81.9%	86.8%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$28M	$29M	$32M	$34M	$27M	$0	$0	$0
Operating Expenses	$28M	$29M	$32M	$34M	$38M	$14M	$14M	$32M
Operating Income	$42M	$51M	$40M	$45M	$25M	$40M	$46M	$50M
Operating Margin	50.5%	51.9%	44.5%	48.4%	26.4%	53.4%	62.9%	53.0%
Interest Expense	$20M	-$59M	$24M	$23M	$25M	$16M	$29M	$31M
Income Before Tax	$17M	$24M	$12M	$19M	$25M	$24M	$17M	$19M
Tax Expense	$5M	$5M	$2M	$5M	$7M	$5M	$4M	$5M
Net Income	$12M	$18M	$9M	$14M	$18M	$20M	$13M	$15M
Net Margin	14.4%	18.7%	10.4%	14.8%	18.8%	26.0%	18.3%	15.4%
EPS (Diluted)	$0.48	$0.68	$0.35	$0.54	$0.70	$0.76	$0.43	$0.47
EBITDA	$42M	$51M	$40M	$45M	$25M	$40M	$46M	$51M
Shares Outstanding	25M	26M	25M	25M	26M	26M	31M	31M

NEWTI NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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