TWFG, Inc. Statistics
Total Valuation
TWFG, Inc. has a market cap or net worth of $981.82 million. The enterprise value is $844.98 million.
| Market Cap | 981.82M |
| Enterprise Value | 844.98M |
Important Dates
The next confirmed earnings date is Wednesday, February 25, 2026, after market close.
| Earnings Date | Feb 25, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
TWFG, Inc. has 56.20 million shares outstanding. The number of shares has increased by 2.15% in one year.
| Current Share Class | 15.03M |
| Shares Outstanding | 56.20M |
| Shares Change (YoY) | +2.15% |
| Shares Change (QoQ) | -73.17% |
| Owned by Insiders (%) | 6.01% |
| Owned by Institutions (%) | 69.02% |
| Float | 13.54M |
Valuation Ratios
The trailing PE ratio is 39.79 and the forward PE ratio is 20.58.
| PE Ratio | 39.79 |
| Forward PE | 20.58 |
| PS Ratio | 4.27 |
| Forward PS | 3.39 |
| PB Ratio | 3.30 |
| P/TBV Ratio | n/a |
| P/FCF Ratio | 20.13 |
| P/OCF Ratio | 18.95 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 19.14, with an EV/FCF ratio of 17.33.
| EV / Earnings | 127.87 |
| EV / Sales | 3.67 |
| EV / EBITDA | 19.14 |
| EV / EBIT | 28.88 |
| EV / FCF | 17.33 |
Financial Position
The company has a current ratio of 4.68, with a Debt / Equity ratio of 0.05.
| Current Ratio | 4.68 |
| Quick Ratio | 4.14 |
| Debt / Equity | 0.05 |
| Debt / EBITDA | 0.31 |
| Debt / FCF | 0.29 |
| Interest Coverage | 91.72 |
Financial Efficiency
Return on equity (ROE) is 11.93% and return on invested capital (ROIC) is 17.65%.
| Return on Equity (ROE) | 11.93% |
| Return on Assets (ROA) | 5.52% |
| Return on Invested Capital (ROIC) | 17.65% |
| Return on Capital Employed (ROCE) | 9.62% |
| Weighted Average Cost of Capital (WACC) | n/a |
| Revenue Per Employee | $784,973 |
| Profits Per Employee | $22,553 |
| Employee Count | 293 |
| Asset Turnover | 0.69 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, TWFG, Inc. has paid $3.31 million in taxes.
| Income Tax | 3.31M |
| Effective Tax Rate | 8.96% |
Stock Price Statistics
The stock price has decreased by -42.51% in the last 52 weeks.
| Beta (5Y) | n/a |
| 52-Week Price Change | -42.51% |
| 50-Day Moving Average | 26.25 |
| 200-Day Moving Average | 28.83 |
| Relative Strength Index (RSI) | 16.03 |
| Average Volume (20 Days) | 166,422 |
Short Selling Information
The latest short interest is 484,183, so 0.86% of the outstanding shares have been sold short.
| Short Interest | 484,183 |
| Short Previous Month | 411,697 |
| Short % of Shares Out | 0.86% |
| Short % of Float | 3.58% |
| Short Ratio (days to cover) | 6.24 |
Income Statement
In the last 12 months, TWFG, Inc. had revenue of $230.00 million and earned $6.61 million in profits. Earnings per share was $0.44.
| Revenue | 230.00M |
| Gross Profit | 194.72M |
| Operating Income | 29.26M |
| Pretax Income | 36.94M |
| Net Income | 6.61M |
| EBITDA | 44.15M |
| EBIT | 29.26M |
| Earnings Per Share (EPS) | $0.44 |
Balance Sheet
The company has $150.99 million in cash and $14.15 million in debt, with a net cash position of $136.84 million or $2.43 per share.
| Cash & Cash Equivalents | 150.99M |
| Total Debt | 14.15M |
| Net Cash | 136.84M |
| Net Cash Per Share | $2.43 |
| Equity (Book Value) | 295.75M |
| Book Value Per Share | 5.29 |
| Working Capital | 166.19M |
Cash Flow
In the last 12 months, operating cash flow was $51.81 million and capital expenditures -$3.05 million, giving a free cash flow of $48.76 million.
| Operating Cash Flow | 51.81M |
| Capital Expenditures | -3.05M |
| Free Cash Flow | 48.76M |
| FCF Per Share | $0.87 |
Margins
Gross margin is 84.66%, with operating and profit margins of 12.72% and 2.87%.
| Gross Margin | 84.66% |
| Operating Margin | 12.72% |
| Pretax Margin | 16.06% |
| Profit Margin | 2.87% |
| EBITDA Margin | 19.19% |
| EBIT Margin | 12.72% |
| FCF Margin | 21.20% |
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 | -2.15% |
| Shareholder Yield | -2.15% |
| Earnings Yield | 0.67% |
| FCF Yield | 4.97% |
Analyst Forecast
The average price target for TWFG, Inc. is $32.86, which is 88.09% higher than the current price. The consensus rating is "Buy".
| Price Target | $32.86 |
| Price Target Difference | 88.09% |
| Analyst Consensus | Buy |
| Analyst Count | 7 |
| 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 6.74 and a Piotroski F-Score of 5.
| Altman Z-Score | 6.74 |
| Piotroski F-Score | 5 |