TWFG, Inc. Statistics
Total Valuation
TWFG, Inc. has a market cap or net worth of $1.42 billion. The enterprise value is $1.35 billion.
| Market Cap | 1.42B |
| Enterprise Value | 1.35B |
Important Dates
The last earnings date was Wednesday, August 5, 2026, after market close.
| Earnings Date | Aug 5, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
TWFG, Inc. has 54.05 million shares outstanding. The number of shares has decreased by -34.40% in one year.
| Current Share Class | 12.88M |
| Shares Outstanding | 54.05M |
| Shares Change (YoY) | -34.40% |
| Shares Change (QoQ) | -12.09% |
| Owned by Insiders (%) | 7.14% |
| Owned by Institutions (%) | 76.00% |
| Float | 11.20M |
Valuation Ratios
The trailing PE ratio is 43.96 and the forward PE ratio is 24.57.
| PE Ratio | 43.96 |
| Forward PE | 24.57 |
| PS Ratio | 4.85 |
| Forward PS | 4.29 |
| PB Ratio | 7.41 |
| P/TBV Ratio | n/a |
| P/FCF Ratio | 23.93 |
| P/OCF Ratio | 23.50 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 17.60, with an EV/FCF ratio of 22.83.
| EV / Earnings | 154.93 |
| EV / Sales | 4.62 |
| EV / EBITDA | 17.60 |
| EV / EBIT | 25.32 |
| EV / FCF | 22.83 |
Financial Position
The company has a current ratio of 2.56, with a Debt / Equity ratio of 0.03.
| Current Ratio | 2.56 |
| Quick Ratio | 2.03 |
| Debt / Equity | 0.03 |
| Debt / EBITDA | 0.11 |
| Debt / FCF | 0.14 |
| Interest Coverage | 211.10 |
Financial Efficiency
Return on equity (ROE) is 19.32% and return on invested capital (ROIC) is 24.32%.
| Return on Equity (ROE) | 19.32% |
| Return on Assets (ROA) | 9.60% |
| Return on Invested Capital (ROIC) | 24.32% |
| Return on Capital Employed (ROCE) | 18.45% |
| Weighted Average Cost of Capital (WACC) | 5.21% |
| Revenue Per Employee | $736,833 |
| Profits Per Employee | $21,990 |
| Employee Count | 400 |
| Asset Turnover | 0.84 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, TWFG, Inc. has paid $4.17 million in taxes.
| Income Tax | 4.17M |
| Effective Tax Rate | 6.97% |
Stock Price Statistics
The stock price has increased by +6.62% in the last 52 weeks. The beta is 0.18, so TWFG, Inc.'s price volatility has been lower than the market average.
| Beta (5Y) | 0.18 |
| 52-Week Price Change | +6.62% |
| 50-Day Moving Average | 27.63 |
| 200-Day Moving Average | 23.51 |
| Relative Strength Index (RSI) | 43.60 |
| Average Volume (20 Days) | 177,793 |
Short Selling Information
The latest short interest is 607,289, so 1.12% of the outstanding shares have been sold short.
| Short Interest | 607,289 |
| Short Previous Month | 541,176 |
| Short % of Shares Out | 1.12% |
| Short % of Float | 5.42% |
| Short Ratio (days to cover) | 3.78 |
Income Statement
In the last 12 months, TWFG, Inc. had revenue of $294.73 million and earned $8.80 million in profits. Earnings per share was $0.60.
| Revenue | 294.73M |
| Gross Profit | 253.10M |
| Operating Income | 53.83M |
| Pretax Income | 59.81M |
| Net Income | 8.80M |
| EBITDA | 77.44M |
| EBIT | 53.83M |
| Earnings Per Share (EPS) | $0.60 |
Balance Sheet
The company has $73.75 million in cash and $8.47 million in debt, with a net cash position of $65.28 million or $1.21 per share.
| Cash & Cash Equivalents | 73.75M |
| Total Debt | 8.47M |
| Net Cash | 65.28M |
| Net Cash Per Share | $1.21 |
| Equity (Book Value) | 287.03M |
| Book Value Per Share | 3.61 |
| Working Capital | 103.95M |
Cash Flow
In the last 12 months, operating cash flow was $60.78 million and capital expenditures -$1.09 million, giving a free cash flow of $59.68 million.
| Operating Cash Flow | 60.78M |
| Capital Expenditures | -1.09M |
| Depreciation & Amortization | 23.61M |
| Net Borrowing | -1.94M |
| Free Cash Flow | 59.68M |
| FCF Per Share | $1.10 |
Margins
Gross margin is 85.88%, with operating and profit margins of 18.26% and 2.98%.
| Gross Margin | 85.88% |
| Operating Margin | 18.26% |
| Pretax Margin | 20.29% |
| Profit Margin | 2.98% |
| EBITDA Margin | 26.27% |
| EBIT Margin | 18.26% |
| FCF Margin | 20.25% |
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 |
| FCF Payout Ratio | n/a |
| Buyback Yield | 34.40% |
| Shareholder Yield | 34.40% |
| Earnings Yield | 0.62% |
| FCF Yield | 4.18% |
Analyst Forecast
The average price target for TWFG, Inc. is $31.00, which is 17.98% higher than the current price. The consensus rating is "Buy".
| Price Target | $31.00 |
| Price Target Difference | 17.98% |
| Analyst Consensus | Buy |
| Analyst Count | 8 |
| Revenue Growth Forecast (3Y) | 17.49% |
| EPS Growth Forecast (3Y) | 13.08% |
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 4.81 and a Piotroski F-Score of 6.
| Altman Z-Score | 4.81 |
| Piotroski F-Score | 6 |