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TWFG, Inc.

Data quality: 100%
TWFG
NASDAQ Financial Services Insurance Agents & Brokers
$18.49
▲ $0.42 (2.32%)
6 months return
—
Momentum
Neutral
1Y earnings growth
0.00%

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)21.96%
Earnings (1Y)0.00%
FCF Growth (3Y)N/A

Quality

Return on Equity
3.47%
Below sector avg (9.21%)
ROIC11.32%
Net Margin1.10%
Op. Margin14.88%

Safety

Debt / Equity
0.10
Below sector avg (0.49)
Current Ratio4.68
Interest Coverage123.28

Valuation

PE (TTM|NTM|2027)
101.67 | 16.93 | 17.54
Above sector avg (11.13)
P/B Ratio3.52
EV/EBITDA2.45
Dividend YieldN/A

Quick Summary

Key Takeaways

Short bullets derived from reported financials—not the AI summary above.

ROE of 3.47% is below average
Debt/Equity of 0.10 — conservative balance sheet
Generating 53.15 M in free cash flow
P/E of 101.67 — premium valuation
Cash machine — converts 1936.07% of earnings into free cash flow
Capital efficient — spends only 0.14% of revenue on capex

Price History

Financial Trends

Analyst Price Target

7 analysts
Buy
+39.1%
upside to target
Current
$18.49
Consensus Target
$25.71
$24.00
Low
$31.00
High
Forecast
Forward P/E
16.93
Forward EPS
$1.06
EPS Growth (est.)
+14.2%
Est. Revenue
344.92 M

Earnings Surprises

EPS
Reported Estimate Forecast
Next: Q1 2026 · EPS Est: $0.20 · Rev Est: 67.01 M
Q12025 Q22025 Q32025 Q42025 Q1 '26 Q2 '26
Reported $0.16 $0.20 $0.23 $0.30 — —
Estimate $0.15 $0.17 $0.19 $0.19 $0.20 $0.24
Surprise +9.36% +16.23% +24.17% +58.29% — —

Growth

Rev 5Y: N/A · Earnings 1Y: 0.00%
Revenue Growth (1Y) 21.96% Revenue Growth (3Y) N/A
Earnings Growth (1Y) 0.00% Earnings Growth (3Y) N/A
Revenue Growth (5Y) N/A Earnings Growth (5Y) N/A

Profitability

ROE: 3.47% · Net Margin: 1.10%
Revenue (TTM) 248.51 M Net Income (TTM) 2.75 M
ROE 3.47% ROA 0.79%
Gross Margin N/A Operating Margin 14.88%
Net Margin 1.10% Free Cash Flow (TTM) 53.15 M
ROIC 11.32% FCF Growth (3Y) N/A

Safety

D/E: 0.10 · Current: 4.68
Debt / Equity 0.10 Current Ratio 4.68
Interest Coverage 123.28 Asset Turnover 0.72
Working Capital 166.19 M Tangible Book Value -50.02 M

Dividends

Yield: N/A · Payout: N/A
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A

Valuation

P/E: 101.67 · EV/EBITDA: 2.45
P/E Ratio 101.67 Forward P/E 16.93
P/B Ratio 3.52 P/S Ratio 1.12
PEG Ratio N/A Forward PEG 1.19
EV/EBITDA 2.45 Fwd EV/EBITDA N/A
Forward P/S 0.81 Fwd Earnings Yield 5.91%
FCF Yield 19.04%
Market Cap 279.08 M Enterprise Value 135.81 M

Per Share

EPS: 0.53 · FCF/Share: 3.54
EPS (Diluted TTM) 0.53 Revenue / Share 16.54
FCF / Share 3.54 OCF / Share 3.56
EPS CAGR (1Y) 178.95% EPS CAGR (5Y) N/A
EPS CAGR (10Y) N/A

Efficiency

FCF Conv: 1936.07% · CapEx/Rev: 0.14%
CapEx / Revenue 0.14% FCF Conversion 1936.07%
SBC-Adj. FCF 49.44 M Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024
Revenue 248.51 M 203.76 M
Net Income 2.75 M 2.75 M
EPS (Diluted) 0.53 0.19
Gross Profit — —
Operating Income 36.99 M 27.93 M
EBITDA — —
R&D Expenses — —
SG&A Expenses — —
D&A 18.35 M 12.02 M
Interest Expense 300,000.0 2.20 M
Income Tax 3.28 M 1.50 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024
Total Assets 372.34 M 323.43 M
Total Liabilities 55.69 M 48.14 M
Shareholders' Equity 83.38 M 73.88 M
Total Debt 2.04 M 9.55 M
Cash & Equivalents 155.93 M 195.77 M
Current Assets 225.52 M 241.85 M
Current Liabilities 44.08 M 39.62 M

Peer Comparison

vs Financial Services sector median (6628 peers)
Metric Stock Sector Median
P/E 101.7 11.1
P/B 3.5 1.2
ROE % 3.5 9.2
Net Margin % 1.1 9.4
Rev Growth 5Y % — 5.8
D/E 0.1 0.5

ETFs Holding This Stock
GSQRX GSQRX
0.30% weight
GSSMX GSSMX
0.30% weight
GSSSX GSSSX
0.30% weight
GSSIX GSSIX
0.30% weight
GSQTX GSQTX
0.30% weight
GSSUX GSSUX
0.30% weight
GSYPX GSYPX
0.30% weight
GSSCX GSSCX
0.30% weight
DTSGX DTSGX
0.18% weight
WSMGX WSMGX
0.18% weight

Strategy Scores

1 strategy matched
Growth Cash Flow Compounder
#104 of 350
50

Recent Activity

Entered Cash Flow Compounder
Apr 12, 2026