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TWFG, Inc.

Datakwaliteit: 100%

TWFG

Nasdaq Financial Services Insurance Agents & Brokers

€ 18,57

▼ € 0,83 (-4,28%)

Marktkapitalisatie: 279,08 M

Prijs

€ 18,57

Marktkapitalisatie

279,08 M

Dagbereik

€ 18,56 — € 19,37

52-Weeksbereik

€ 16,56 — € 36,85

Volume

147.371

Openen € 19,21

50D / 200D Gem.

€ 20,54

9,61% below

50D / 200D Gem.

€ 26,37

29,59% below

Quick Summary

Belangrijkste Punten

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

Groei

Revenue Growth (5Y)

N/A

Revenue (1Y)21,96%

Earnings (1Y)0,00%

FCF Growth (3Y)N/A

Kwaliteit

Return on Equity

3,47%

Onder sectorgemiddelde (9,24%)

ROIC11,32%

Net Margin1,10%

Op. Margin14,88%

Veiligheid

Debt / Equity

0,10

Onder sectorgemiddelde (0,49)

Current Ratio4,68

Interest Coverage123,28

Waardering

PE (TTM)

101,67

Boven sectorgemiddelde (11,15)

P/B Ratio3,52

EV/EBITDA2,45

Dividend YieldN/A

Koershistorie

Financiële Trends

Sectorvergelijking

vs Financial Services sector mediaan (2151 peers)

Metriek	Aandeel	Sector Mediaan
P/E	101,7	11,2
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

All Fundamental Metrics

Growth
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
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
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
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 Ratio	101,67	Forward P/E	N/A
P/B Ratio	3,52	P/S Ratio	1,12
PEG Ratio	N/A	Forward PEG	N/A
EV/EBITDA	2,45	Fwd EV/EBITDA	N/A
Forward P/S	N/A	Fwd Earnings Yield	N/A
FCF Yield	19,04%
Market Cap	279,08 M	Enterprise Value	135,81 M
Per Share
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
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