27.97 USD
-0.29 (-1.03%)
27.97 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to TWFG. TWFG was compared to 147 industry peers in the Insurance industry. Both the profitability and the financial health of TWFG get a neutral evaluation. Nothing too spectacular is happening here. TWFG is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year TWFG was profitable.
In the past year TWFG had a positive cash flow from operations.
1.2 Ratios
The Return On Assets of TWFG (1.89%) is comparable to the rest of the industry.
With a Return On Equity value of 8.33%, TWFG is not doing good in the industry: 63.95% of the companies in the same industry are doing better.
TWFG has a Return On Invested Capital of 7.03%. This is amongst the best in the industry. TWFG outperforms 88.44% of its industry peers.
The Average Return On Invested Capital over the past 3 years for TWFG is significantly above the industry average of 4.37%.
The 3 year average ROIC (20.41%) for TWFG is well above the current ROIC(7.03%). The reason for the recent decline needs to be investigated.
| Industry Rank | Sector 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
1.3 Margins
With a Profit Margin value of 2.90%, TWFG is not doing good in the industry: 77.55% of the companies in the same industry are doing better.
TWFG's Operating Margin of 11.88% is in line compared to the rest of the industry. TWFG outperforms 47.62% of its industry peers.
TWFG has a better Gross Margin (43.14%) than 93.20% of its industry peers.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), TWFG is creating value.
Compared to 1 year ago, TWFG has more shares outstanding
The debt/assets ratio for TWFG has been reduced compared to a year ago.
2.2 Solvency
TWFG has an Altman-Z score of 2.49. 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 (2.49) than 90.48% 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's Debt to Equity ratio of 0.03 is amongst the best of the industry. TWFG outperforms 86.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.49 |
ROIC/WACC0.82
WACC8.57%
2.3 Liquidity
A Current Ratio of 4.68 indicates that TWFG has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 4.68, TWFG belongs to the top of the industry, outperforming 95.24% of the companies in the same industry.
A Quick Ratio of 4.68 indicates that TWFG has no problem at all paying its short term obligations.
The Quick ratio of TWFG (4.68) is better than 95.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.68 | ||
| Quick Ratio | 4.68 |
3. Growth
3.1 Past
The earnings per share for TWFG have decreased strongly by -86.78% in the last year.
The Revenue for TWFG has decreased by -39.01% in the past year. This is quite bad
EPS 1Y (TTM)-86.78%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%53.33%
Revenue 1Y (TTM)-39.01%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%17.36%
3.2 Future
The Earnings Per Share is expected to grow by 19.21% on average over the next years. This is quite good.
TWFG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.56% yearly.
EPS Next Y24.79%
EPS Next 2Y21.99%
EPS Next 3Y19.21%
EPS Next 5YN/A
Revenue Next Year18.71%
Revenue Next 2Y20.11%
Revenue Next 3Y17.56%
Revenue Next 5YN/A
3.3 Evolution
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 35.86, which means the current valuation is very expensive for TWFG.
TWFG's Price/Earnings ratio is rather expensive when compared to the industry. TWFG is more expensive than 82.99% of the companies in the same industry.
TWFG is valuated rather expensively when we compare the Price/Earnings ratio to 25.45, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 32.52, the valuation of TWFG can be described as expensive.
Based on the Price/Forward Earnings ratio, TWFG is valued expensively inside the industry as 80.27% of the companies are valued cheaper.
When comparing the Price/Forward Earnings ratio of TWFG to the average of the S&P500 Index (34.46), we can say TWFG is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.86 | ||
| Fwd PE | 32.52 |
4.2 Price Multiples
TWFG's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TWFG is cheaper than 68.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 6.4 |
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 19.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.45
PEG (5Y)N/A
EPS Next 2Y21.99%
EPS Next 3Y19.21%
5. Dividend
5.1 Amount
TWFG does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
27.97
-0.29 (-1.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners80.09%
Inst Owner Change3.31%
Ins Owners6.15%
Ins Owner Change23.55%
Market Cap419.83M
Revenue(TTM)227.79M
Net Income(TTM)6.61M
Analysts78.46
Price Target33.32 (19.13%)
Short Float %4.02%
Short Ratio4.34
Dividend
| Industry Rank | Sector 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)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)-5.04%
PT rev (3m)-5.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.42%
EPS NY rev (1m)0%
EPS NY rev (3m)0.81%
Revenue NQ rev (1m)0.2%
Revenue NQ rev (3m)-2.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.86 | ||
| Fwd PE | 32.52 | ||
| P/S | 1.84 | ||
| P/FCF | N/A | ||
| P/OCF | 8.1 | ||
| P/B | 5.29 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.4 |
EPS(TTM)0.78
EY2.79%
EPS(NY)0.86
Fwd EY3.08%
FCF(TTM)-0.4
FCFYN/A
OCF(TTM)3.45
OCFY12.34%
SpS15.18
BVpS5.29
TBVpS-3.33
PEG (NY)1.45
PEG (5Y)N/A
Graham Number9.63
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.49 |
F-Score6
WACC8.57%
ROIC/WACC0.82
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)-86.78%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%53.33%
EPS Next Y24.79%
EPS Next 2Y21.99%
EPS Next 3Y19.21%
EPS Next 5YN/A
Revenue 1Y (TTM)-39.01%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%17.36%
Revenue Next Year18.71%
Revenue Next 2Y20.11%
Revenue Next 3Y17.56%
Revenue Next 5YN/A
EBIT growth 1Y-52.32%
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
TWFG INC / TWFG FAQ
Can you provide the ChartMill fundamental rating for TWFG INC?
ChartMill assigns a fundamental rating of 3 / 10 to TWFG.
What is the valuation status for 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.
What is the earnings growth outlook for TWFG INC?
The Earnings per Share (EPS) of TWFG INC (TWFG) is expected to grow by 24.79% in the next year.