TWFG, Inc. (TWFG)
NASDAQ: TWFG · Real-Time Price · USD
30.53
+0.45 (1.50%)
Jul 30, 2025, 9:31 AM - Market open

TWFG, Inc. Statistics

Total Valuation

TWFG, Inc. has a market cap or net worth of $1.71 billion. The enterprise value is $1.50 billion.

Market Cap1.71B
Enterprise Value 1.50B

Important Dates

The next confirmed earnings date is Tuesday, August 12, 2025, after market close.

Earnings Date Aug 12, 2025
Ex-Dividend Date n/a

Share Statistics

TWFG, Inc. has 56.08 million shares outstanding. The number of shares has increased by 2,769.97% in one year.

Current Share Class 14.90M
Shares Outstanding 56.08M
Shares Change (YoY) +2,769.97%
Shares Change (QoQ) -0.01%
Owned by Insiders (%) 6.06%
Owned by Institutions (%) 72.84%
Float 13.41M

Valuation Ratios

PE Ratio n/a
Forward PE 42.20
PS Ratio 2.61
Forward PS 6.52
PB Ratio 5.96
P/TBV Ratio n/a
P/FCF Ratio 39.08
P/OCF Ratio 36.38
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 39.77, with an EV/FCF ratio of 34.82.

EV / Earnings n/a
EV / Sales 7.11
EV / EBITDA 39.77
EV / EBIT 57.03
EV / FCF 34.82

Financial Position

The company has a current ratio of 5.63, with a Debt / Equity ratio of 0.05.

Current Ratio 5.63
Quick Ratio 5.32
Debt / Equity 0.05
Debt / EBITDA 0.32
Debt / FCF 0.29
Interest Coverage 18.00

Financial Efficiency

Return on equity (ROE) is 16.69% and return on invested capital (ROIC) is 8.01%.

Return on Equity (ROE) 16.69%
Return on Assets (ROA) 6.91%
Return on Invested Capital (ROIC) 8.01%
Return on Capital Employed (ROCE) 9.16%
Revenue Per Employee $721,638
Profits Per Employee -$8,689
Employee Count293
Asset Turnover 0.89
Inventory Turnover n/a

Taxes

In the past 12 months, TWFG, Inc. has paid $2.15 million in taxes.

Income Tax 2.15M
Effective Tax Rate 6.95%

Stock Price Statistics

The stock price has increased by +29.92% in the last 52 weeks.

Beta (5Y) n/a
52-Week Price Change +29.92%
50-Day Moving Average 34.19
200-Day Moving Average 31.76
Relative Strength Index (RSI) 28.26
Average Volume (20 Days) 76,159

Short Selling Information

The latest short interest is 268,650, so 0.48% of the outstanding shares have been sold short.

Short Interest 268,650
Short Previous Month 355,948
Short % of Shares Out 0.48%
Short % of Float 2.00%
Short Ratio (days to cover) 2.33

Income Statement

In the last 12 months, TWFG, Inc. had revenue of $211.44 million and -$2.55 million in losses. Loss per share was -$0.14.

Revenue211.44M
Gross Profit 180.43M
Operating Income 26.35M
Pretax Income n/a
Net Income -2.55M
EBITDA 37.79M
EBIT 26.35M
Loss Per Share -$0.14
Full Income Statement

Balance Sheet

The company has $196.42 million in cash and $12.62 million in debt, giving a net cash position of $183.81 million or $3.28 per share.

Cash & Cash Equivalents 196.42M
Total Debt 12.62M
Net Cash 183.81M
Net Cash Per Share $3.28
Equity (Book Value) 280.06M
Book Value Per Share 5.05
Working Capital 198.54M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $46.37 million and capital expenditures -$3.21 million, giving a free cash flow of $43.16 million.

Operating Cash Flow 46.37M
Capital Expenditures -3.21M
Free Cash Flow 43.16M
FCF Per Share $0.77
Full Cash Flow Statement

Margins

Gross margin is 85.34%, with operating and profit margins of 12.46% and -1.20%.

Gross Margin 85.34%
Operating Margin 12.46%
Pretax Margin 14.65%
Profit Margin -1.20%
EBITDA Margin 17.87%
EBIT Margin 12.46%
FCF Margin 20.41%

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 -2,769.97%
Shareholder Yield -2,769.97%
Earnings Yield -0.15%
FCF Yield 2.56%

Analyst Forecast

The average price target for TWFG, Inc. is $35.57, which is 16.51% higher than the current price. The consensus rating is "Buy".

Price Target $35.57
Price Target Difference 16.51%
Analyst Consensus Buy
Analyst Count 8
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

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 n/a
Graham Upside n/a

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 6.83 and a Piotroski F-Score of 5.

Altman Z-Score 6.83
Piotroski F-Score 5