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NewtekOne (NEWT) investor relations material
NewtekOne Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Achieved strong Q3 2025 and YTD results with EPS up 49% year-over-year for the quarter and 22% YTD, driven by technology-enabled banking, digital account growth, and efficient deposit gathering.
Book value per share and tangible book value per share rose to $11.72 and $11.22, up 16% and 26% year-over-year, respectively.
Net income for the nine months ended September 30, 2025 was $41.0 million, up from $32.5 million year-over-year.
Focused on serving independent business owners and SMEs, with over 21,000 digital bank accounts and 10,000 borrowers acquired remotely.
Core business and consumer deposits grew significantly, with business deposits up 17% and consumer deposits up 12% quarter-over-quarter.
Financial highlights
Q3 2025 basic and diluted EPS were $0.68 and $0.67; nine-month EPS reached $1.57 and $1.54, up 47% and 22% year-over-year.
Revenue for Q3 2025 was $74.9 million, up 19.3% year-over-year; YTD revenue was $211.5 million, up 16% year-over-year.
Net income for 3Q25 was $17.4 million, up 51% year-over-year; pre-provision net revenue (PPNR) for 3Q25 was $32.8 million, up 36.7%.
Deposits reached $1.18 billion, up 81% year-over-year; loans and deposits increased approximately 58% and 81% year-over-year, respectively.
Efficiency ratio improved to 56.3% from 61.8% year-over-year.
Outlook and guidance
Preparing a fourth and largest ALP securitization in 4Q25, targeting $325–$350 million in ALP loans.
Management expects continued growth in loan originations, especially in SBA 7(a) and ALP programs, and plans to leverage securitizations for funding.
Payments, payroll, and insurance business lines are expected to continue contributing to earnings and deposit growth.
Guidance for Q4 EPS ($0.65-$0.80) not reaffirmed due to uncertainty from the government shutdown, but no formal withdrawal.
No material changes to risk factors or guidance were disclosed, but management notes ongoing macroeconomic and regulatory uncertainties.
ALP securitization volume target for next year?
SBA program changes impacting market share?
Future capital leverage strategy post-anniversary?
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Frequently asked questions
NewtekOne Inc is a financial holding company that provides business and financial solutions to small and medium-sized businesses. Its services include lending, payment processing, insurance, web services, and payroll management. The company operates as a direct lender and through strategic partnerships. NewtekOne Inc is headquartered in Boca Raton, Florida, and its shares are listed on the NASDAQ.
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