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TWFG INC (TWFG) Stock Fundamental Analysis

USA - NASDAQ:TWFG - US87318A1016 - Common Stock

24.195 USD
+0.41 (+1.7%)
Last: 9/16/2025, 2:27:00 PM
Fundamental Rating

4

Taking everything into account, TWFG scores 4 out of 10 in our fundamental rating. TWFG was compared to 146 industry peers in the Insurance industry. TWFG has an average financial health and profitability rating. TWFG is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

TWFG had positive earnings in the past year.
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

TWFG's Return On Assets of 1.76% is in line compared to the rest of the industry. TWFG outperforms 50.00% of its industry peers.
TWFG has a Return On Equity of 7.68%. This is in the lower half of the industry: TWFG underperforms 62.33% of its industry peers.
TWFG has a better Return On Invested Capital (6.84%) than 89.04% 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 4.47%.
The last Return On Invested Capital (6.84%) 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 1.76%
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

With a Profit Margin value of 2.77%, TWFG is not doing good in the industry: 74.66% of the companies in the same industry are doing better.
TWFG has a Operating Margin (11.80%) which is in line with its industry peers.
The Gross Margin of TWFG (42.45%) is better than 93.15% of its industry peers.
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

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6

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), TWFG is creating value.
TWFG has more shares outstanding than it did 1 year ago.
The debt/assets ratio for TWFG has been reduced compared to a year ago.
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 2.34 indicates that TWFG is not a great score, but indicates only limited risk for bankruptcy at the moment.
TWFG has a Altman-Z score of 2.34. This is amongst the best in the industry. TWFG outperforms 89.04% 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 85.62% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF N/A
Altman-Z 2.34
ROIC/WACC0.8
WACC8.55%
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.
Looking at the Current ratio, with a value of 4.59, TWFG belongs to the top of the industry, outperforming 99.32% of the companies in the same industry.
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.
TWFG has a better Quick ratio (4.59) than 99.32% of its industry peers.
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

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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

TWFG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.52% yearly.
TWFG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.35% yearly.
EPS Next Y23.78%
EPS Next 2Y21.87%
EPS Next 3Y18.52%
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

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1

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 34.56, the valuation of TWFG can be described as expensive.
Based on the Price/Earnings ratio, TWFG is valued expensively inside the industry as 80.14% of the companies are valued cheaper.
The average S&P500 Price/Earnings ratio is at 27.27. TWFG is valued slightly more expensive when compared to this.
TWFG is valuated quite expensively with a Price/Forward Earnings ratio of 28.18.
76.03% of the companies in the same industry are cheaper than TWFG, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of TWFG to the average of the S&P500 Index (22.77), we can say TWFG is valued slightly more expensively.
Industry RankSector Rank
PE 34.56
Fwd PE 28.18
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

TWFG's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TWFG is cheaper than 79.45% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 5.18
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 18.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.45
PEG (5Y)N/A
EPS Next 2Y21.87%
EPS Next 3Y18.52%

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0

5. Dividend

5.1 Amount

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

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TWFG INC

NASDAQ:TWFG (9/16/2025, 2:27:00 PM)

24.195

+0.41 (+1.7%)

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 Owners86.65%
Inst Owner Change-4.17%
Ins Owners6.19%
Ins Owner Change35.33%
Market Cap363.17M
Analysts77.14
Price Target35.09 (45.03%)
Short Float %3.62%
Short Ratio3.78
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)-3.91%
PT rev (3m)-2.27%
EPS NQ rev (1m)-3.23%
EPS NQ rev (3m)-3.57%
EPS NY rev (1m)2.5%
EPS NY rev (3m)5.48%
Revenue NQ rev (1m)-2.3%
Revenue NQ rev (3m)-2.3%
Revenue NY rev (1m)-1.88%
Revenue NY rev (3m)-1.9%
Valuation
Industry RankSector Rank
PE 34.56
Fwd PE 28.18
P/S 1.66
P/FCF N/A
P/OCF 7.47
P/B 4.62
P/tB N/A
EV/EBITDA 5.18
EPS(TTM)0.7
EY2.89%
EPS(NY)0.86
Fwd EY3.55%
FCF(TTM)-0.16
FCFYN/A
OCF(TTM)3.24
OCFY13.38%
SpS14.54
BVpS5.24
TBVpS-3.15
PEG (NY)1.45
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 2.34
F-Score6
WACC8.55%
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 Y23.78%
EPS Next 2Y21.87%
EPS Next 3Y18.52%
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 Year81.45%
EBIT Next 3Y43.96%
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