TWFG INC (TWFG) Fundamental Analysis & Valuation

NASDAQ:TWFG • US87318A1016

Current stock price

20.01 USD
+0.22 (+1.11%)
At close:
20.01 USD
0 (0%)
After Hours:

This TWFG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. TWFG Profitability Analysis

1.1 Basic Checks

  • In the past year TWFG was profitable.
  • TWFG had a positive operating cash flow in the past year.
TWFG Yearly Net Income VS EBIT VS OCF VS FCFTWFG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 10M 20M 30M 40M

1.2 Ratios

  • With a Return On Assets value of 1.89%, TWFG perfoms like the industry average, outperforming 48.65% of the companies in the same industry.
  • TWFG has a Return On Equity of 8.33%. This is in the lower half of the industry: TWFG underperforms 60.81% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 7.03%, TWFG belongs to the top of the industry, outperforming 86.49% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for TWFG is significantly above the industry average of 15.41%.
  • The last Return On Invested Capital (7.03%) for TWFG is well below the 3 year average (20.41%), which needs to be investigated, but indicates that TWFG had better years and this may not be a problem.
Industry RankSector Rank
ROA 1.89%
ROE 8.33%
ROIC 7.03%
ROA(3y)13.84%
ROA(5y)N/A
ROE(3y)41.14%
ROE(5y)N/A
ROIC(3y)20.41%
ROIC(5y)N/A
TWFG Yearly ROA, ROE, ROICTWFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 20 40 60 80

1.3 Margins

  • TWFG has a worse Profit Margin (2.90%) than 75.00% of its industry peers.
  • TWFG has a Operating Margin (11.88%) which is in line with its industry peers.
  • With an excellent Gross Margin value of 43.14%, TWFG belongs to the best of the industry, outperforming 92.57% of the companies in the same industry.
Industry RankSector Rank
OM 11.88%
PM (TTM) 2.9%
GM 43.14%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
TWFG Yearly Profit, Operating, Gross MarginsTWFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. TWFG Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), TWFG is creating value.
  • TWFG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
TWFG Yearly Shares OutstandingTWFG Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 5M 10M
TWFG Yearly Total Debt VS Total AssetsTWFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 100M 200M 300M

2.2 Solvency

  • An Altman-Z score of 2.22 indicates that TWFG is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • TWFG has a better Altman-Z score (2.22) than 91.22% of its industry peers.
  • TWFG has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
  • TWFG has a Debt to Equity ratio of 0.03. This is amongst the best in the industry. TWFG outperforms 85.81% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z 2.22
ROIC/WACC0.81
WACC8.72%
TWFG Yearly LT Debt VS Equity VS FCFTWFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 20M 40M 60M

2.3 Liquidity

  • TWFG has a Current Ratio of 4.68. This indicates that TWFG is financially healthy and has no problem in meeting its short term obligations.
  • The Current ratio of TWFG (4.68) is better than 96.62% of its industry peers.
  • TWFG has a Quick Ratio of 4.68. This indicates that TWFG is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 4.68, TWFG belongs to the top of the industry, outperforming 96.62% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 4.68
Quick Ratio 4.68
TWFG Yearly Current Assets VS Current LiabilitesTWFG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 2023 2024 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. TWFG Growth Analysis

3.1 Past

EPS 1Y (TTM)N/A
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%57.89%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%33.02%

3.2 Future

  • Based on estimates for the next years, TWFG will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.54% on average per year.
  • TWFG is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.58% yearly.
EPS Next Y4.87%
EPS Next 2Y10.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year23.54%
Revenue Next 2Y21.58%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

TWFG Yearly Revenue VS EstimatesTWFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 100M 200M 300M
TWFG Yearly EPS VS EstimatesTWFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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Find the best growth stocksShow best growing peers

1

4. TWFG Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 22.48, TWFG is valued on the expensive side.
  • TWFG's Price/Earnings ratio is a bit more expensive when compared to the industry. TWFG is more expensive than 77.03% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of TWFG to the average of the S&P500 Index (25.96), we can say TWFG is valued inline with the index average.
  • Based on the Price/Forward Earnings ratio of 21.44, the valuation of TWFG can be described as rather expensive.
  • Based on the Price/Forward Earnings ratio, TWFG is valued a bit more expensive than the industry average as 75.68% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.04, TWFG is valued at the same level.
Industry RankSector Rank
PE 22.48
Fwd PE 21.44
TWFG Price Earnings VS Forward Price EarningsTWFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TWFG indicates a rather cheap valuation: TWFG is cheaper than 81.76% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 3.54
TWFG Per share dataTWFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)4.62
PEG (5Y)N/A
EPS Next 2Y10.54%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. TWFG Dividend Analysis

5.1 Amount

  • No dividends for TWFG!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

TWFG Fundamentals: All Metrics, Ratios and Statistics

TWFG INC

NASDAQ:TWFG (3/16/2026, 8:00:02 PM)

After market: 20.01 0 (0%)

20.01

+0.22 (+1.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-25
Earnings (Next)05-09
Inst Owners82.93%
Inst Owner Change-26.48%
Ins Owners6.14%
Ins Owner Change0.1%
Market Cap300.75M
Revenue(TTM)N/A
Net Income(TTM)6.61M
Analysts78.57
Price Target32.2 (60.92%)
Short Float %3.63%
Short Ratio2.45
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.36%
Min EPS beat(2)14.22%
Max EPS beat(2)20.49%
EPS beat(4)4
Avg EPS beat(4)26.52%
Min EPS beat(4)3.71%
Max EPS beat(4)67.65%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-3.83%
Min Revenue beat(2)-6.85%
Max Revenue beat(2)-0.82%
Revenue beat(4)1
Avg Revenue beat(4)-1.46%
Min Revenue beat(4)-6.85%
Max Revenue beat(4)3.09%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-4.33%
PT rev (3m)-4.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.56%
EPS NY rev (1m)0%
EPS NY rev (3m)0.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.83%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.08%
Valuation
Industry RankSector Rank
PE 22.48
Fwd PE 21.44
P/S 1.32
P/FCF N/A
P/OCF 5.8
P/B 3.79
P/tB N/A
EV/EBITDA 3.54
EPS(TTM)0.89
EY4.45%
EPS(NY)0.93
Fwd EY4.66%
FCF(TTM)-0.39
FCFYN/A
OCF(TTM)3.45
OCFY17.23%
SpS15.16
BVpS5.28
TBVpS-3.33
PEG (NY)4.62
PEG (5Y)N/A
Graham Number10.28
Profitability
Industry RankSector Rank
ROA 1.89%
ROE 8.33%
ROCE 8.9%
ROIC 7.03%
ROICexc 13.97%
ROICexgc 90.33%
OM 11.88%
PM (TTM) 2.9%
GM 43.14%
FCFM N/A
ROA(3y)13.84%
ROA(5y)N/A
ROE(3y)41.14%
ROE(5y)N/A
ROIC(3y)20.41%
ROIC(5y)N/A
ROICexc(3y)38.9%
ROICexc(5y)N/A
ROICexgc(3y)219.18%
ROICexgc(5y)N/A
ROCE(3y)25.84%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.65
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Debt/EBITDA 0.06
Cap/Depr 369.2%
Cap/Sales 25.35%
Interest Coverage 178.01
Cash Conversion 121.35%
Profit Quality N/A
Current Ratio 4.68
Quick Ratio 4.68
Altman-Z 2.22
F-Score6
WACC8.72%
ROIC/WACC0.81
Cap/Depr(3y)300.71%
Cap/Depr(5y)N/A
Cap/Sales(3y)9.77%
Cap/Sales(5y)N/A
Profit Quality(3y)227.62%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)N/A
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%57.89%
EPS Next Y4.87%
EPS Next 2Y10.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%33.02%
Revenue Next Year23.54%
Revenue Next 2Y21.58%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-52.32%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year107.01%
EBIT Next 3Y41.97%
EBIT Next 5YN/A
FCF growth 1Y6.32%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y34.24%
OCF growth 3YN/A
OCF growth 5YN/A

TWFG INC / TWFG Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for TWFG INC?

ChartMill assigns a fundamental rating of 4 / 10 to TWFG.


What is the valuation status of TWFG INC (TWFG) stock?

ChartMill assigns a valuation rating of 1 / 10 to TWFG INC (TWFG). This can be considered as Overvalued.


How profitable is TWFG INC (TWFG) stock?

TWFG INC (TWFG) has a profitability rating of 4 / 10.


How financially healthy is TWFG INC?

The financial health rating of TWFG INC (TWFG) is 6 / 10.


What is the earnings growth outlook for TWFG INC?

The Earnings per Share (EPS) of TWFG INC (TWFG) is expected to grow by 4.87% in the next year.