For the quarter ending 2025-09-30, NEWTI had $3,642K increase in cash & cash equivalents over the period. -$167,323K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net unrealized (appreciation) depreciation on investments | - | 1,042 |
| Net income | 17,901 | 23,070 |
| Debt And Equity Securities Unrealized Gain Loss | - | 1,042 |
| Net unrealized (appreciation) depreciation on investments | -1,776 | 1,042 |
| Debt And Equity Securities Unrealized Gain Loss | - | 1,042 |
| Net (gain) loss on loans accounted for under the fair value option | 29,250 | 6,316 |
| Debt And Equity Securities Unrealized Gain Loss | - | 1,042 |
| Net gain on residuals in securitizations | -1,450 | 31,465 |
| Net unrealized (appreciation) depreciation on investments-Investment Affiliated Issuer Noncontrolled | - | 402 |
| Net loss on loan servicing assets | -4,493 | -8,007 |
| Net unrealized depreciation (appreciation) on warrants and derivative transactions | 1,041 | -1,468 |
| Net gain on sales of loans | 9,563 | 28,487 |
| Net accretion of premium/discount on debt securities available-for-sale and loans | 372 | 1,051 |
| Loss on extinguishment of debt, deferred financing costs expensed | -158 | - |
| Amortization of deferred financing costs and deferred loan fees and costs | 1,129 | 2,096 |
| Provision for credit losses | 7,712 | 22,622 |
| Lower of cost or market adjustment on loans held for sale | 38 | 15 |
| Bad debt expense, net of recoveries | 198 | 85 |
| Stock compensation expense | 618 | 3,390 |
| Deferred income tax expense (benefit) | 5,536 | -2,439 |
| Depreciation and amortization | 129 | 420 |
| Proceeds from sale of loans held for sale | 92,979 | 217,267 |
| Sale of loans held for sale from affiliate | 0 | 0 |
| Funding of loans held for sale | 269,560 | 508,393 |
| Principal received on loans held for sale | 1,667 | 5,608 |
| Other, net | -99 | 1,244 |
| Settlement receivable | -19,237 | -32,759 |
| Other assets | 14,746 | 1,351 |
| Due to participants | 9,162 | 4,354 |
| Accounts payable, accrued expenses and other liabilities | -5,854 | -999 |
| Net cash used in operating activities | -167,318 | -260,518 |
| Principal received on loans held for investment, at fair value | 53,907 | - |
| Principal received on loans held for investment, at fair value | 38,661 | -33,992 |
| Net increase in loans held for investment, at cost | -71,166 | -171,609 |
| Proceeds from sale of newtek technology solutions, inc | 0 | 4,000 |
| Contributions to joint ventures and other non-control investments | 15,750 | 85 |
| Return of capital from joint ventures and other non-control investments | 5,630 | 14 |
| Purchase of fixed assets | 5 | 91 |
| Sales of federal home loan bank and federal reserve bank stock | -690 | 352 |
| Purchases of federal home loan bank and federal reserve bank stock | 817 | - |
| Purchases of available-for-sale securities | -7,628 | -3,945 |
| Maturities of available-for-sale securities | 4,000 | 14,000 |
| Net cash used in investing activities | -69,800 | -124,076 |
| Borrowing on bank notes payable | 390,200 | - |
| Repayment on bank notes payable | 295,531 | - |
| Net increase in deposits | 94,136 | 110,248 |
| Repayment of federal home loan bank advances | 509 | 7,004 |
| Proceeds from common shares sold, net of offering costs | 5,090 | 0 |
| Proceeds from preferred stock, net of offering costs | 48,181 | - |
| Securities purchase and exchange agreement | 10,000 | - |
| Repurchase of common shares under share repurchase plan | 0 | 167 |
| Redemption of notes-A2024Notes | 0 | - |
| Redemption of notes-A2025500Notes | 0 | 30,000 |
| Proceeds from notes-A20298.50Notes | 0 | - |
| Proceeds from notes-A20298.625Notes | 0 | 0 |
| Proceeds from notes-A20308.375Notes | 0 | 30,000 |
| Purchase of 2029 8.50 notes-A20298.50Notes | 67 | - |
| Net borrowings (paydowns) on bank notes payable | - | 84,035 |
| Payments on notes payable - securitization trusts | 17,075 | 29,596 |
| Proceeds related to residuals in securitizations | 99,322 | 70,098 |
| Dividends paid, net of dividend reinvestment plan | 5,708 | 10,468 |
| Payments of deferred financing costs | 2,210 | 724 |
| Proceeds from common stock issued under espp, net of discount | 33 | 157 |
| Purchase of vested stock for employee payroll tax withholding | 1,067 | 70 |
| Net cash provided by financing activities | 240,760 | 216,509 |
| Net (decrease) increase in cash and restricted cash | 3,642 | -168,085 |
| Cash and cash equivalents at beginning of period | 381,374 | - |
| Cash and cash equivalents at end of period | 216,931 | - |
NewtekOne, Inc. (NEWTI)
NewtekOne, Inc. (NEWTI)