Filing Flows

Filing Flows › Companies › NewtekOne › Cash flow

NewtekOne cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$152M in Q3 2026 · −$725M over twelve months

Operating cash flow−$152M
Capital spending$33K
Free cash flow−$152M
Cash / net income-14.2×

Analysis

In Q3 2026, NewtekOne generated −$152M of operating cash flow and spent −$33K on capital projects, leaving free cash flow of −$152M. That is $14.9M more than in Q3 2025 (−$167M).

Over the twelve months to Sep 30, 2026, operating cash flow was −$725M; the largest uses were operating cash flow ($725M), other investing ($549M), dividends ($31.3M); besides operations, cash came from other financing ($1.2B), net borrowing (+) / repaid (−) ($228M); the cash balance rose by $87.5M.

Operating cash flow was −$152M against net income of $10.7M — -14.2× profit, less cash than reported earnings, worth checking against working capital. The largest differences: prepaid and other assets −$15.1M, payables −$3.3M, deferred taxes −$3.3M.

Free cash flow

NewtekOne: free cash flow by quarterNewtekOne: free cash flow by quarter−$91.7MQ4 2024−$60.7MQ1 2025−$200MQ2 2025−$167MQ3 2025−$151MQ4 2025−$258MQ1 2026−$163MQ2 2026−$152MQ3 2026
Operating cash flow less capital spending.
NewtekOne: operating cash flow against capital spendingNewtekOne: operating cash flow against capital spendingOperating cash flowCapital spending−$91.6M$64KQ4 2024−$60.7M$37KQ1 2025−$200M$54KQ2 2025−$167M$5KQ3 2025−$151M$10KQ4 2025−$257M$89KQ1 2026−$163M−$31KQ2 2026−$152M−$33KQ3 2026
Latest (Q3 2026): Operating cash flow −$152M, Capital spending −$33K.

Capital allocation, year by year

NewtekOne: where the cash came from (up) and went (down), by fiscal yearNewtekOne: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $141MFY2021: Net borrowing $15.4MFY2021: Shares issued $50.0MFY2021: Dividends −$70.1M$206MFY2021FY2022: Operating cash flow −$62.4MFY2022: Net borrowing $46.2MFY2022: Shares issued $2.0MFY2022: Capital spending −$11KFY2022: Dividends −$64.5M$48.2MFY2022FY2023: Operating cash flow −$169MFY2023: Net borrowing $13.1MFY2023: Shares issued $19.5MFY2023: Capital spending −$458KFY2023: Acquisitions $11.1MFY2023: Dividends −$14.1M$43.8MFY2023FY2024: Operating cash flow −$153MFY2024: Net borrowing −$107MFY2024: Shares issued $14.0MFY2024: Capital spending −$439KFY2024: Buybacks −$402KFY2024: Dividends −$20.3M$14.0MFY2024FY2025: Operating cash flow −$579MFY2025: Net borrowing $109MFY2025: Shares issued $53.5MFY2025: Asset sales $4.0MFY2025: Capital spending −$106KFY2025: Dividends −$28.0M$167MFY2025
Over these 5 years operating cash flow totalled −$823M; the largest uses were operating cash flow ($964M) and dividends ($197M). Cash-flow statements as filed.

Where the cash came from and went

NewtekOne: sources (+) and uses (−) of cash, Q3 2026NewtekOne: sources (+) and uses (−) of cash, Q3 2026Other financing$354MOther investing−$270MOperating cash flow−$152MCash drawn (+) / kept (−)$90.5MNet borrowing (+) / repaid (−)−$15.2MDividends−$6.5MTaxes on employees’ shares−$146KShares issued$70KCapital spending$33K
NewtekOne: sources (+) and uses (−) of cash, TTM to Q3 2026NewtekOne: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$1.2BOperating cash flow−$725MOther investing−$549MNet borrowing (+) / repaid (−)$228MCash drawn (+) / kept (−)−$87.5MDividends−$31.3MAsset & business sales$2.0MTaxes on employees’ shares−$1.8MShares issued$322KCapital spending−$35K

From profit to cash

NewtekOne: net income to operating cash flow, Q3 2026NewtekOne: net income to operating cash flow, Q3 2026Net income$10.7MDepreciation & amortization$127KStock-based pay$608KDeferred taxes−$3.3MOther non-cash$539KPayables−$3.3MPrepaid and other assets−$15.1MOperating cash flow−$152M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026−$152M$33K—−$6.5M−$15.2M$70K$90.5M−$152M
Q2 2026−$163M$31K—−$6.5M−$2.7M$103K$8.0M−$163M
Q1 2026−$257M−$89K—−$6.5M$260M$70K−$92.7M−$258M
Q4 2025−$151M−$10K$167K−$11.9M−$13.7M$79K−$93.4M−$151M
Q3 2025−$167M−$5K—−$5.7M−$17.1M$5.1M−$3.6M−$167M
Q2 2025−$200M−$54K—−$5.2M$169M$109K$80.8M−$200M
Q1 2025−$60.7M−$37K—−$5.2M−$16.0M$48K$87.2M−$60.7M
Q4 2024−$91.6M−$64K−$402K−$5.2M−$38.1M$67K−$191M−$91.7M

NewtekOne: income statement and cash flow

NewtekOne, Q3 2026: revenue $71.8M (-4% year over year), operating margin 19.8%. The chart follows the revenue to costs, profit and cash.

NewtekOne: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.