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TWFG, Inc. TWFG

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Price alert · TWFG

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26.96 USD -0.19 -0.70%

At close · Oct 30

26.96 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
26.80 × 2
Ask
26.96 × 2
26.38 Day range 27.50
17.04 52-week range 31.15
YTD
-6.29%
1 year
+10.58%
Open
27.50
Prev close
27.15
Mkt cap
347.25M
Vol
227.09K
Avg vol
164.80K
EPS
0.59
P/E
45.69
Div yield
0.00%
More statistics
Low
26.38
High
27.50
Forward P/E
25.02
Beta
0.15
Short ratio
4.19
Inst. own
71.78%
Dividend
0.00
Ex-div date
Earnings
Nov 11, 2026
50-d avg
25.42
200-d avg
23.33
1y target
30.14

5D chart

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Financial health

Altman Z-Score

4.72 Safe zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 1
  • P/B 1

Valuation

P/E 54.3×
FY 2022: 675×FY 2023: 71.0×FY 2024: 162×FY 2025: 54.3×
FY 2022 5y median 117× FY 2025
P/S 1.8×
FY 2022: 94.1×FY 2023: 1.7×FY 2024: 2.3×FY 2025: 1.8×
FY 2022 5y median 2.1× FY 2025
P/B 5.2×
FY 2022: 241×FY 2023: 9.3×FY 2024: 6.2×FY 2025: 5.2×
FY 2022 5y median 7.7× FY 2025
P/FCF 8.1×
FY 2022: 1032×FY 2023: 20.0×FY 2024: 12.2×FY 2025: 8.1×
FY 2022 5y median 16.1× FY 2025
EV/EBITDA 4.6×
FY 2022: 514×FY 2023: 9.7×FY 2024: 6.1×FY 2025: 4.6×
FY 2022 5y median 7.9× FY 2025
EV/Sales 1.2×
FY 2022: 94.0×FY 2023: 1.8×FY 2024: 1.4×FY 2025: 1.2×
FY 2022 5y median 1.6× FY 2025
FCF Yield 12.3%
FY 2022: 0.1%FY 2023: 5.0%FY 2024: 8.2%FY 2025: 12.3%
FY 2022 5y median 6.6% FY 2025

Profitability

Gross Margin 26.8%
FY 2022: 20.7%FY 2023: 21.7%FY 2024: 24.0%FY 2025: 26.8%
FY 2022 5y median 22.9% FY 2025
Operating Margin 10.2%
FY 2022: 16.0%FY 2023: 15.2%FY 2024: 14.4%FY 2025: 10.2%
FY 2022 5y median 14.8% FY 2025
Net Margin 3.4%
FY 2022: 0.0%FY 2023: 0.0%FY 2024: 1.4%FY 2025: 3.4%
FY 2022 5y median 0.7% FY 2025
ROE 9.6%
FY 2022: 0.0%FY 2023: 0.0%FY 2024: 3.7%FY 2025: 9.6%
FY 2022 5y median 1.9% FY 2025
ROIC 6.0%
FY 2022: 33.4%FY 2023: 30.3%FY 2024: 9.3%FY 2025: 6.0%
FY 2022 5y median 19.8% FY 2025
ROA 2.1%
FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.8%FY 2025: 2.1%
FY 2022 5y median 0.4% FY 2025

Growth (YoY)

Revenue 20.8%
FY 2022: 0.0%FY 2023: 13.0%FY 2024: 16.0%FY 2025: 20.8%
FY 2022 FY 2025
Operating Income -14.5%
FY 2022: 0.0%FY 2023: 7.1%FY 2024: 10.0%FY 2025: -14.5%
FY 2022 FY 2025
EPS (diluted) 183.3%
FY 2022: 0.0%FY 2023: 850.9%FY 2024: -41.9%FY 2025: 183.3%
FY 2022 FY 2025
Free Cash Flow 42.6%
FY 2022: 0.0%FY 2023: 7.7%FY 2024: 157.0%FY 2025: 42.6%
FY 2022 FY 2025

Financial Health

Current Ratio 68.1×
FY 2022: 1.9×FY 2023: 2.2×FY 2024: 6.1×FY 2025: 68.1×
FY 2022 5y median 4.1× FY 2025
Quick Ratio 68.1×
FY 2022: 1.0×FY 2023: 2.2×FY 2024: 6.1×FY 2025: 68.1×
FY 2022 5y median 4.1× FY 2025
Debt / Equity 0.1×
FY 2022: 0.2×FY 2023: 1.7×FY 2024: 0.1×FY 2025: 0.1×
FY 2022 5y median 0.2× FY 2025
Net Debt / EBITDA -2.3×
FY 2022: -0.3×FY 2023: 0.4×FY 2024: -4.2×FY 2025: -2.3×
FY 2022 5y median -1.3× FY 2025
Interest Coverage 83.2×
FY 2022: 59.6×FY 2023: 25.3×FY 2024: 12.6×FY 2025: 83.2×
FY 2022 5y median 42.5× FY 2025

Dividends

Dividend Yield 3.7%
FY 2022: 0.1%FY 2023: 11.5%FY 2024: 2.0%FY 2025: 3.7%
FY 2022 5y median 2.9% FY 2025
Payout Ratio 199.2%
FY 2022: 0.0%FY 2023: 0.0%FY 2024: 339.1%FY 2025: 199.2%
FY 2022 5y median 99.6% FY 2025

Annual · latest fiscal year ends 2025-12-31