Logo image of TWFG

TWFG INC (TWFG) Stock Fundamental Analysis

USA - NASDAQ:TWFG - US87318A1016 - Common Stock

25.76 USD
+0.03 (+0.12%)
Last: 10/17/2025, 8:00:01 PM
25.76 USD
0 (0%)
After Hours: 10/17/2025, 8:00:01 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to TWFG. TWFG was compared to 145 industry peers in the Insurance industry. TWFG has only an average score on both its financial health and profitability. TWFG has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

TWFG had positive earnings in the past year.
In the past year TWFG had a positive cash flow from operations.
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

TWFG's Return On Assets of 1.76% is in line compared to the rest of the industry. TWFG outperforms 47.59% of its industry peers.
With a Return On Equity value of 7.68%, TWFG is not doing good in the industry: 62.07% of the companies in the same industry are doing better.
The Return On Invested Capital of TWFG (6.84%) is better than 88.97% of its industry peers.
TWFG had an Average Return On Invested Capital over the past 3 years of 20.41%. This is significantly above the industry average of 4.40%.
The 3 year average ROIC (20.41%) for TWFG is well above the current ROIC(6.84%). The reason for the recent decline needs to be investigated.
Industry RankSector Rank
ROA 1.76%
ROE 7.68%
ROIC 6.84%
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 (2.77%) than 75.86% of its industry peers.
TWFG has a Operating Margin (11.80%) which is comparable to the rest of the industry.
Looking at the Gross Margin, with a value of 42.45%, TWFG belongs to the top of the industry, outperforming 93.10% of the companies in the same industry.
Industry RankSector Rank
OM 11.8%
PM (TTM) 2.77%
GM 42.45%
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

More info and screens

6

2. Health

2.1 Basic Checks

TWFG has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, TWFG has more shares outstanding
TWFG has a better debt/assets ratio than last year.
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

TWFG has an Altman-Z score of 2.41. This is not the best score and indicates that TWFG is in the grey zone with still only limited risk for bankruptcy at the moment.
TWFG has a better Altman-Z score (2.41) than 89.66% of its industry peers.
A Debt/Equity ratio of 0.04 indicates that TWFG is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.04, TWFG belongs to the best of the industry, outperforming 85.52% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF N/A
Altman-Z 2.41
ROIC/WACC0.8
WACC8.52%
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 4.59. This indicates that TWFG is financially healthy and has no problem in meeting its short term obligations.
TWFG has a Current ratio of 4.59. This is amongst the best in the industry. TWFG outperforms 99.31% of its industry peers.
TWFG has a Quick Ratio of 4.59. 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 4.59, TWFG belongs to the top of the industry, outperforming 99.31% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 4.59
Quick Ratio 4.59
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

More info and screens

3

3. Growth

3.1 Past

TWFG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -90.75%.
The Revenue has grown by 17.83% in the past year. This is quite good.
EPS 1Y (TTM)-90.75%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-98.66%
Revenue 1Y (TTM)17.83%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.22%

3.2 Future

The Earnings Per Share is expected to grow by 19.62% on average over the next years. This is quite good.
Based on estimates for the next years, TWFG will show a quite strong growth in Revenue. The Revenue will grow by 18.35% on average per year.
EPS Next Y24.29%
EPS Next 2Y22.35%
EPS Next 3Y19.62%
EPS Next 5YN/A
Revenue Next Year19.39%
Revenue Next 2Y20.59%
Revenue Next 3Y18.35%
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

More info and screens

1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 36.80 indicates a quite expensive valuation of TWFG.
82.76% of the companies in the same industry are cheaper than TWFG, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of TWFG to the average of the S&P500 Index (27.40), we can say TWFG is valued slightly more expensively.
TWFG is valuated quite expensively with a Price/Forward Earnings ratio of 29.77.
79.31% of the companies in the same industry are cheaper than TWFG, based on the Price/Forward Earnings ratio.
TWFG's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 22.94.
Industry RankSector Rank
PE 36.8
Fwd PE 29.77
TWFG Price Earnings VS Forward Price EarningsTWFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TWFG indicates a somewhat cheap valuation: TWFG is cheaper than 73.10% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 5.92
TWFG Per share dataTWFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

TWFG's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
TWFG's earnings are expected to grow with 19.62% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.52
PEG (5Y)N/A
EPS Next 2Y22.35%
EPS Next 3Y19.62%

More info and screens

0

5. Dividend

5.1 Amount

TWFG does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

TWFG INC

NASDAQ:TWFG (10/17/2025, 8:00:01 PM)

After market: 25.76 0 (0%)

25.76

+0.03 (+0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-12 2025-08-12/amc
Earnings (Next)11-11 2025-11-11
Inst Owners80.09%
Inst Owner Change0%
Ins Owners6.15%
Ins Owner Change23.55%
Market Cap386.66M
Analysts78.46
Price Target35.09 (36.22%)
Short Float %3.64%
Short Ratio3.2
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)8.96%
Min EPS beat(2)3.71%
Max EPS beat(2)14.22%
EPS beat(4)3
Avg EPS beat(4)20.03%
Min EPS beat(4)-5.46%
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)-4.06%
Min Revenue beat(2)-6.85%
Max Revenue beat(2)-1.27%
Revenue beat(4)2
Avg Revenue beat(4)-1.06%
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)0%
PT rev (3m)-2.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.25%
EPS NY rev (1m)0.41%
EPS NY rev (3m)3.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.9%
Valuation
Industry RankSector Rank
PE 36.8
Fwd PE 29.77
P/S 1.77
P/FCF N/A
P/OCF 7.96
P/B 4.91
P/tB N/A
EV/EBITDA 5.92
EPS(TTM)0.7
EY2.72%
EPS(NY)0.87
Fwd EY3.36%
FCF(TTM)-0.16
FCFYN/A
OCF(TTM)3.24
OCFY12.57%
SpS14.54
BVpS5.24
TBVpS-3.15
PEG (NY)1.52
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.76%
ROE 7.68%
ROCE 8.66%
ROIC 6.84%
ROICexc 14.79%
ROICexgc 173.6%
OM 11.8%
PM (TTM) 2.77%
GM 42.45%
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
ROICexcg growth 3YN/A
ROICexcg 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 Turnover0.64
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF N/A
Debt/EBITDA 0.08
Cap/Depr 383.88%
Cap/Sales 23.38%
Interest Coverage 50.53
Cash Conversion 124.36%
Profit Quality N/A
Current Ratio 4.59
Quick Ratio 4.59
Altman-Z 2.41
F-Score6
WACC8.52%
ROIC/WACC0.8
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)-90.75%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-98.66%
EPS Next Y24.29%
EPS Next 2Y22.35%
EPS Next 3Y19.62%
EPS Next 5YN/A
Revenue 1Y (TTM)17.83%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.22%
Revenue Next Year19.39%
Revenue Next 2Y20.59%
Revenue Next 3Y18.35%
Revenue Next 5YN/A
EBIT growth 1Y6.25%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year89.66%
EBIT Next 3Y43.17%
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