WallStSmart

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI)vsReady Capital Corporation (RCB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

RCB leads profitability with a 0.0% profit margin vs 0.0%. RCB earns a higher WallStSmart Score of 22/100 (F).

NEWTI

Avoid

18

out of 100

Grade: F

Growth: 6.0Profit: 5.0Value: 5.0Quality: 3.3
Piotroski: 2/9Altman Z: -0.16

RCB

Avoid

22

out of 100

Grade: F

Growth: 4.7Profit: 3.5Value: 6.0Quality: 2.5
Piotroski: 3/9Altman Z: 0.16

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NEWTI0 strengths · Avg: 0/10

No standout strengths identified

RCB1 strengths · Avg: 8.0/10
P/E RatioValuation
16.0x8/10

Attractively priced relative to earnings

Areas to Watch

NEWTI4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$426.24M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

RCB4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$1.74B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : NEWTI

NEWTI has a balanced fundamental profile.

Bull Case : RCB

The strongest argument for RCB centers on P/E Ratio.

Bear Case : NEWTI

The primary concerns for NEWTI are Revenue Growth, EPS Growth, Market Cap. Debt-to-equity of 5.96 is elevated, increasing financial risk.

Bear Case : RCB

The primary concerns for RCB are Revenue Growth, EPS Growth, Market Cap. Debt-to-equity of 3.44 is elevated, increasing financial risk.

Key Dynamics to Monitor

RCB is growing revenue faster at 0.0% — sustainability is the question.

RCB generates stronger free cash flow (-35M), providing more financial flexibility.

Monitor OTHER industry trends, competitive dynamics, and regulatory changes.

Bottom Line

RCB scores higher overall (22/100 vs 18/100). Both earn "Avoid" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028

OTHER · OTHER · USA

NewtekOne, Inc. (NEWTI) is a prominent financial technology firm dedicated to supporting small and medium-sized enterprises (SMEs) with innovative capital solutions and comprehensive services that include payment processing and lending. The company issues 8.00% Fixed Rate Senior Notes due in 2028, underscoring its commitment to generating robust returns for investors. With a strong focus on leveraging technological advancements and industry expertise, NewtekOne is well-positioned to seize emerging market opportunities and drive sustainable growth, thereby enhancing value for its shareholders in a dynamic financial landscape.

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Ready Capital Corporation

OTHER · OTHER · USA

Ready Capital Corporation is a real estate finance company in the United States. The company is headquartered in New York, New York.

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