For the quarter ending 2025-09-30, NEWTZ had -$164,443K decrease in cash & cash equivalents over the period. -$427,932K in free cash flow.
| Cash Flow | 2025-09-30 |
|---|---|
| Net income | 40,971 |
| Net unrealized (appreciation) depreciation on investments | -734 |
| Net (gain) loss on loans accounted for under the fair value option | 35,566 |
| Net gain on residuals in securitizations | 30,015 |
| Net loss on loan servicing assets | -12,500 |
| Net unrealized depreciation (appreciation) on warrants and derivative transactions | -427 |
| Net gain on sales of loans | 38,050 |
| Net accretion of premium/discount on debt securities available-for-sale and loans | 1,423 |
| Loss on extinguishment of debt, deferred financing costs expensed | -158 |
| Amortization of deferred financing costs and deferred loan fees and costs | 3,225 |
| Provision for credit losses | 30,334 |
| Lower of cost or market adjustment on loans held for sale | 53 |
| Bad debt expense, net of recoveries | 283 |
| Stock compensation expense | 4,008 |
| Deferred income tax expense (benefit) | 3,097 |
| Depreciation and amortization | 549 |
| Proceeds from sale of loans held for sale | 310,246 |
| Sale of loans held for sale from affiliate | 0 |
| Funding of loans held for sale | 777,953 |
| Principal received on loans held for sale | 7,275 |
| Other, net | 1,145 |
| Settlement receivable | -51,996 |
| Other assets | 16,097 |
| Due to participants | 13,516 |
| Accounts payable, accrued expenses and other liabilities | -6,853 |
| Net cash used in operating activities | -427,836 |
| Principal received on loans held for investment, at fair value | 53,907 |
| Principal received on loans held for investment, at fair value | 4,669 |
| Net increase in loans held for investment, at cost | -242,775 |
| Proceeds from sale of newtek technology solutions, inc | 4,000 |
| Contributions to joint ventures and other non-control investments | 15,835 |
| Return of capital from joint ventures and other non-control investments | 5,644 |
| Purchase of fixed assets | 96 |
| Sales of federal home loan bank and federal reserve bank stock | -338 |
| Purchases of federal home loan bank and federal reserve bank stock | 817 |
| Purchases of available-for-sale securities | -11,573 |
| Maturities of available-for-sale securities | 18,000 |
| Net cash used in investing activities | -193,876 |
| Borrowing on bank notes payable | 390,200 |
| Repayment on bank notes payable | 295,531 |
| Net increase in deposits | 204,384 |
| Repayment of federal home loan bank advances | 7,513 |
| Proceeds from common shares sold, net of offering costs | 5,090 |
| 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 | 167 |
| Redemption of notes-A2024Notes | 0 |
| Redemption of notes-A2025500Notes | 30,000 |
| Proceeds from notes-A20298.50Notes | 0 |
| Proceeds from notes-A20298.625Notes | 0 |
| Proceeds from notes-A20308.375Notes | 30,000 |
| Purchase of 2029 8.50 notes-A20298.50Notes | 67 |
| Payments on notes payable - securitization trusts | 46,671 |
| Proceeds related to residuals in securitizations | 169,420 |
| Dividends paid, net of dividend reinvestment plan | 16,176 |
| Payments of deferred financing costs | 2,934 |
| Proceeds from common stock issued under espp, net of discount | 190 |
| Purchase of vested stock for employee payroll tax withholding | 1,137 |
| Net cash provided by financing activities | 457,269 |
| Net (decrease) increase in cash and restricted cash | -164,443 |
| Cash and cash equivalents at beginning of period | 381,374 |
| Cash and cash equivalents at end of period | 216,931 |
NewtekOne, Inc. (NEWTZ)
NewtekOne, Inc. (NEWTZ)