TWFG, Inc. TWFG
28.43 USD -0.28 (-0.98%)
Nov 4, 2026, 10:18 AM EST
27.60 Day range 29.00
16.56 52-week range 31.30
- YTD
- -1.18%
- 1 year
- +16.47%
Financial health
Altman Z-Score
4.91 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
A-4 / 5 overall
- DCF 4
- Return on Equity 5
- Return on Assets 5
- Debt / Equity 4
- P/E 1
- P/B 1
Valuation
P/E 54.3×
FY 2022 5y median 117× FY 2025
P/S 1.8×
FY 2022 5y median 2.1× FY 2025
P/B 5.2×
FY 2022 5y median 7.7× FY 2025
P/FCF 8.1×
FY 2022 5y median 16.1× FY 2025
EV/EBITDA 4.6×
FY 2022 5y median 7.9× FY 2025
EV/Sales 1.2×
FY 2022 5y median 1.6× FY 2025
FCF Yield 12.3%
FY 2022 5y median 6.6% FY 2025
Profitability
Gross Margin 26.8%
FY 2022 5y median 22.9% FY 2025
Operating Margin 10.2%
FY 2022 5y median 14.8% FY 2025
Net Margin 3.4%
FY 2022 5y median 0.7% FY 2025
ROE 9.6%
FY 2022 5y median 1.9% FY 2025
ROIC 6.0%
FY 2022 5y median 19.8% FY 2025
ROA 2.1%
FY 2022 5y median 0.4% FY 2025
Growth (YoY)
Revenue 20.8%
FY 2022 FY 2025
Operating Income -14.5%
FY 2022 FY 2025
EPS (diluted) 183.3%
FY 2022 FY 2025
Free Cash Flow 42.6%
FY 2022 FY 2025
Financial Health
Current Ratio 68.1×
FY 2022 5y median 4.1× FY 2025
Quick Ratio 68.1×
FY 2022 5y median 4.1× FY 2025
Debt / Equity 0.1×
FY 2022 5y median 0.2× FY 2025
Net Debt / EBITDA -2.3×
FY 2022 5y median -1.3× FY 2025
Interest Coverage 83.2×
FY 2022 5y median 42.5× FY 2025
Dividends
Dividend Yield 3.7%
FY 2022 5y median 2.9% FY 2025
Payout Ratio 199.2%
FY 2022 5y median 99.6% FY 2025
Annual · latest fiscal year ends 2025-12-31