COMP <GO>
NEWT vs FRAF // ALTMAN Z-SCORE & DEBT/EQUITY
NewtekOne Inc. (NASDAQ) VS. Franklin Financial Services Corporation (NASDAQ) • 15-METRIC TALLY: NEWT 4
— FRAF 2
■ METRIC PARITY
LAST: $11.01 (-3.93%) • MKT CAP: $318.0M
balance-sheet
—
LAST: $70.31 (+0.63%) • MKT CAP: $316.5M
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NEWT VS. FRAF)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NEWT | FRAF | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 15.20% | 12.10% | +3.10 | NEWT | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | 8.04% | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 8.82% | 1.85% | +6.97 | NEWT | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 2/9 | 5/9 | -3.00 | FRAF | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 43.9 | 76.7 | -32.80 | FRAF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 4.9x | 13.9x | -9.00 | NEWT | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $318.0M | $316.5M | $1.6M | NEWT | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NEWT REV | FRAF REV | NEWT GROSS % | FRAF GROSS % | NEWT FCF | FRAF FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | -$579.3M | $25.4M |
| FY 2024 | $0 | $0 | — | — | -$153.5M | $21.8M |
| FY 2023 | $0 | $0 | — | — | -$169.2M | $26.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NEWT // BETA —
FRAF // BETA —