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Jun 30, 2025
Newtekone Q2 2025 Earnings Report
Posted higher earnings with strong profitability metrics and robust loan origination activity in Q2 2025.
Key Takeaways
NewtekOne reported solid revenue growth and profitability in Q2 2025, supported by rising net interest income, continued ALP loan activity, and improved operating efficiency.
EPS rose to $0.52 (diluted), up from $0.43 in Q2 2024.
Total revenue reached $70.2 million, a 15% YoY increase.
Pre-provision net revenue rose to $27.9 million, up 35.5% YoY.
SBA 7(a) loan originations reached $205.6 million; ALP loans originated totaled $78.3 million.
Forward Guidance
NewtekOne reaffirmed its full-year 2025 EPS guidance and expects continued growth from ALP securitizations, deposit acquisition, and digital operations.
Positive Outlook
- Maintained full-year EPS guidance of $2.10–$2.50
- Expect another ALP securitization in Q4
- Growth in business and core consumer deposits
- Improved NIM and efficiency ratio trends
- Positive impact from AI-enabled digital lending processes
Challenges Ahead
- SBA 7(a) loan originations declined YoY
- Increased provision for credit losses
- Loss on loan servicing assets reported
- Net loss on loans under fair value option
- Continued volatility in servicing asset valuations
Historical Earnings Impact
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Avg. Return Before/After Earnings
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