NewtekOne, Inc. (NEWT) [Rocket]

In millions, except per share items	Jun-30-23	Mar-31-23	Sep-30-22	Jun-30-22	Mar-31-22	Dec-31-21	Sep-30-21	Jun-30-21
	10-Q	10-Q	10-Q	10-Q	10-Q	10-K	10-Q	10-Q
Total revenues [+]			89.8	89.2	73.2	78.6	68.6	81.9
Net interest income				16.1	8.7	6.7		7.2
Net investment income			4.9	4.3		34.0	33.2	33.3
Other								2.4
Revenue growth			30.9%	8.9%	-22.9%	3.4%	-10.5%	5.4%
Cost of goods sold [+]			6.4	4.0	10.0	15.6	14.4	16.4
Sales commissions and fees						15.5
Gross profit			83.4	85.1	63.3	63.0	54.1	65.5
Gross margin			92.8%	95.5%	86.4%	80.2%	78.9%	80.0%
Selling, general and administrative [+]			57.4	57.8	50.6	56.3	47.4	52.6
Sales and marketing								23.7
General and administrative			57.4	57.8	49.7	41.6	32.6
Other operating expenses			-9.0	-10.1	-12.8	-28.7	-27.8	-1.3
EBITDA [+]			35.1	37.5	25.5	35.6	34.8	14.5
EBITDA growth			1.0%	158.0%	-19.4%	119.2%	180.8%	42.3%
EBITDA margin			39.1%	42.0%	34.8%	45.2%	50.7%	17.7%
Depreciation and amortization			0.4	0.3	0.3	0.3	0.3	0.3
EBIT [+]			34.8	37.2	25.2	35.2	34.5	14.2
EBIT growth			0.9%	162.5%	-19.4%	122.8%	188.3%	45.5%
EBIT margin			38.7%	41.7%	34.5%	44.8%	50.2%	17.3%
Interest expense			17.5	15.8	10.0		5.2
Interest expense			17.5	15.8	10.0		5.2
Other income (expense), net [+]			17.4	18.5	12.9	-13.5	-12.7	-14.2
Gain (loss) on debt retirement				0.2		1.6
Gain (loss) on derivative instruments			0.7				0.0
Unrealized gain/loss on derivatives			1.2				0.2
Pre-tax income			34.6	39.9	28.2	16.6	16.6	0.0
Income taxes			0.1	0.1	0.9	0.0	0.0	0.0
Tax rate			0.2%		3.3%	0.0%	0.0%
Net income			34.5	39.8	26.3	16.6	16.6	0.0
Net margin			38.5%	44.6%	35.9%	21.1%	24.2%	0.0%

Basic EPS [+]			$1.45	$1.70	$1.14	$0.74	$0.75	$0.00
Growth			92.9%
Diluted EPS [+]			$1.45	$1.70	$1.14	$0.74	$0.75	$0.00
Growth			92.9%

Dividends per share [+]	$0.00	$0.00	$1.40	$1.40	$0.65		$2.09
Growth	-100.0%	-100.0%	-33.1%

Shares outstanding (basic) [+]			23.9	23.4	23.0	22.5	22.1	16.5
Growth			7.7%	41.9%	42.9%	43.7%	45.3%	8.3%
Shares outstanding (diluted) [+]			23.9	23.4	23.0	22.5	22.1	16.5
Growth			7.7%	41.9%	42.9%	43.7%	45.3%	8.3%

EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.