TWFG, Inc. Statistics
Total Valuation
TWFG, Inc. has a market cap or net worth of $1.02 billion. The enterprise value is $876.22 million.
| Market Cap | 1.02B |
| Enterprise Value | 876.22M |
Important Dates
The next estimated earnings date is Tuesday, May 12, 2026, after market close.
| Earnings Date | May 12, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
TWFG, Inc. has 56.20 million shares outstanding. The number of shares has increased by 0.79% in one year.
| Current Share Class | 15.03M |
| Shares Outstanding | 56.20M |
| Shares Change (YoY) | +0.79% |
| Shares Change (QoQ) | +272.73% |
| Owned by Insiders (%) | 6.01% |
| Owned by Institutions (%) | 85.64% |
| Float | 13.54M |
Valuation Ratios
The trailing PE ratio is 34.05 and the forward PE ratio is 19.42.
| PE Ratio | 34.05 |
| Forward PE | 19.42 |
| PS Ratio | 4.09 |
| Forward PS | 3.39 |
| PB Ratio | 3.26 |
| P/TBV Ratio | n/a |
| P/FCF Ratio | 19.13 |
| P/OCF Ratio | 19.00 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 16.04, with an EV/FCF ratio of 16.49.
| EV / Earnings | 110.04 |
| EV / Sales | 3.53 |
| EV / EBITDA | 16.04 |
| EV / EBIT | 23.69 |
| EV / FCF | 16.49 |
Financial Position
The company has a current ratio of 5.12, with a Debt / Equity ratio of 0.05.
| Current Ratio | 5.12 |
| Quick Ratio | 4.55 |
| Debt / Equity | 0.05 |
| Debt / EBITDA | 0.28 |
| Debt / FCF | 0.29 |
| Interest Coverage | 128.87 |
Financial Efficiency
Return on equity (ROE) is 13.91% and return on invested capital (ROIC) is 20.44%.
| Return on Equity (ROE) | 13.91% |
| Return on Assets (ROA) | 6.64% |
| Return on Invested Capital (ROIC) | 20.44% |
| Return on Capital Employed (ROCE) | 11.27% |
| Weighted Average Cost of Capital (WACC) | n/a |
| Revenue Per Employee | $621,280 |
| Profits Per Employee | $19,908 |
| Employee Count | 400 |
| Asset Turnover | 0.71 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, TWFG, Inc. has paid $3.28 million in taxes.
| Income Tax | 3.28M |
| Effective Tax Rate | 7.38% |
Stock Price Statistics
The stock price has decreased by -40.57% in the last 52 weeks.
| Beta (5Y) | n/a |
| 52-Week Price Change | -40.57% |
| 50-Day Moving Average | 20.69 |
| 200-Day Moving Average | 26.45 |
| Relative Strength Index (RSI) | 41.93 |
| Average Volume (20 Days) | 308,351 |
Short Selling Information
The latest short interest is 515,767, so 0.92% of the outstanding shares have been sold short.
| Short Interest | 515,767 |
| Short Previous Month | 478,394 |
| Short % of Shares Out | 0.92% |
| Short % of Float | 3.81% |
| Short Ratio (days to cover) | 1.69 |
Income Statement
In the last 12 months, TWFG, Inc. had revenue of $248.51 million and earned $7.96 million in profits. Earnings per share was $0.53.
| Revenue | 248.51M |
| Gross Profit | 210.88M |
| Operating Income | 36.99M |
| Pretax Income | 44.45M |
| Net Income | 7.96M |
| EBITDA | 54.63M |
| EBIT | 36.99M |
| Earnings Per Share (EPS) | $0.53 |
Balance Sheet
The company has $155.93 million in cash and $15.49 million in debt, with a net cash position of $140.44 million or $2.50 per share.
| Cash & Cash Equivalents | 155.93M |
| Total Debt | 15.49M |
| Net Cash | 140.44M |
| Net Cash Per Share | $2.50 |
| Equity (Book Value) | 316.65M |
| Book Value Per Share | 5.55 |
| Working Capital | 181.43M |
Cash Flow
In the last 12 months, operating cash flow was $53.50 million and capital expenditures -$356,000, giving a free cash flow of $53.15 million.
| Operating Cash Flow | 53.50M |
| Capital Expenditures | -356,000 |
| Depreciation & Amortization | 17.65M |
| Net Borrowing | -1.91M |
| Free Cash Flow | 53.15M |
| FCF Per Share | $0.95 |
Margins
Gross margin is 84.86%, with operating and profit margins of 14.88% and 3.20%.
| Gross Margin | 84.86% |
| Operating Margin | 14.88% |
| Pretax Margin | 17.88% |
| Profit Margin | 3.20% |
| EBITDA Margin | 21.98% |
| EBIT Margin | 14.88% |
| FCF Margin | 21.39% |
Dividends & Yields
TWFG, Inc. does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | -0.79% |
| Shareholder Yield | -0.79% |
| Earnings Yield | 0.78% |
| FCF Yield | 5.23% |
Analyst Forecast
The average price target for TWFG, Inc. is $30.33, which is 67.66% higher than the current price. The consensus rating is "Buy".
| Price Target | $30.33 |
| Price Target Difference | 67.66% |
| Analyst Consensus | Buy |
| Analyst Count | 6 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | n/a |
| Lynch Upside | n/a |
| Graham Number | |
| Graham Upside |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
TWFG, Inc. has an Altman Z-Score of 6.46 and a Piotroski F-Score of 4.
| Altman Z-Score | 6.46 |
| Piotroski F-Score | 4 |