TWFG INC (TWFG) Stock Fundamental Analysis

NASDAQ:TWFG • US87318A1016

17.47 USD
-0.78 (-4.27%)
At close: Feb 18, 2026
17.79 USD
+0.32 (+1.83%)
After Hours: 2/18/2026, 8:05:24 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to TWFG. TWFG was compared to 149 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

4

1. Profitability

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 49.66% 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 61.07% of its industry peers.
  • The Return On Invested Capital of TWFG (7.03%) is better than 87.92% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for TWFG is significantly above the industry average of 15.11%.
  • 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

  • With a Profit Margin value of 2.90%, TWFG is not doing good in the industry: 74.50% of the companies in the same industry are doing better.
  • The Operating Margin of TWFG (11.88%) is comparable to the rest of the industry.
  • Looking at the Gross Margin, with a value of 43.14%, TWFG belongs to the top of the industry, outperforming 92.62% 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. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so TWFG is creating value.
  • The number of shares outstanding for TWFG has been increased compared to 1 year ago.
  • 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 2.14. 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.
  • With an excellent Altman-Z score value of 2.14, TWFG belongs to the best of the industry, outperforming 92.62% of the companies in the same industry.
  • 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 85.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z 2.14
ROIC/WACC0.83
WACC8.49%
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

  • A Current Ratio of 4.68 indicates that TWFG has no problem at all paying its short term obligations.
  • TWFG's Current ratio of 4.68 is amongst the best of the industry. TWFG outperforms 95.30% 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.
  • TWFG has a better Quick ratio (4.68) than 95.30% of its industry peers.
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. 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 21.59% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, TWFG will show a very strong growth in Revenue. The Revenue will grow by 20.82% on average per year.
EPS Next Y38.31%
EPS Next 2Y24.44%
EPS Next 3Y21.59%
EPS Next 5YN/A
Revenue Next Year18.5%
Revenue Next 2Y21.48%
Revenue Next 3Y20.82%
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

3

4. Valuation

4.1 Price/Earnings Ratio

  • TWFG is valuated rather expensively with a Price/Earnings ratio of 22.40.
  • TWFG's Price/Earnings ratio is a bit more expensive when compared to the industry. TWFG is more expensive than 73.83% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.27. TWFG is around the same levels.
  • The Price/Forward Earnings ratio is 19.52, which indicates a rather expensive current valuation of TWFG.
  • Based on the Price/Forward Earnings ratio, TWFG is valued a bit more expensive than the industry average as 71.81% of the companies are valued more cheaply.
  • The average S&P500 Price/Forward Earnings ratio is at 28.16. TWFG is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 22.4
Fwd PE 19.52
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

  • 89.93% of the companies in the same industry are more expensive than TWFG, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 2.72
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as TWFG's earnings are expected to grow with 21.59% in the coming years.
PEG (NY)0.58
PEG (5Y)N/A
EPS Next 2Y24.44%
EPS Next 3Y21.59%

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

0

5. Dividend

5.1 Amount

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

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Find the best dividend stocksShow peers with best dividend

TWFG INC

NASDAQ:TWFG (2/18/2026, 8:05:24 PM)

After market: 17.79 +0.32 (+1.83%)

17.47

-0.78 (-4.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-12
Earnings (Next)02-25
Inst Owners83.54%
Inst Owner Change-3.65%
Ins Owners6.14%
Ins Owner Change0.1%
Market Cap262.57M
Revenue(TTM)227.79M
Net Income(TTM)6.61M
Analysts78.57
Price Target33.66 (92.67%)
Short Float %3.67%
Short Ratio4.61
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)0%
PT rev (3m)1.02%
EPS NQ rev (1m)0%
EPS NQ rev (3m)14.87%
EPS NY rev (1m)0.32%
EPS NY rev (3m)10.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.42%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.17%
Valuation
Industry RankSector Rank
PE 22.4
Fwd PE 19.52
P/S 1.15
P/FCF N/A
P/OCF 5.07
P/B 3.31
P/tB N/A
EV/EBITDA 2.72
EPS(TTM)0.78
EY4.46%
EPS(NY)0.9
Fwd EY5.12%
FCF(TTM)-0.39
FCFYN/A
OCF(TTM)3.45
OCFY19.73%
SpS15.16
BVpS5.28
TBVpS-3.33
PEG (NY)0.58
PEG (5Y)N/A
Graham Number9.63
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 2.14
F-Score6
WACC8.49%
ROIC/WACC0.83
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 Y38.31%
EPS Next 2Y24.44%
EPS Next 3Y21.59%
EPS Next 5YN/A
Revenue 1Y (TTM)-39.01%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%17.36%
Revenue Next Year18.5%
Revenue Next 2Y21.48%
Revenue Next 3Y20.82%
Revenue Next 5YN/A
EBIT growth 1Y-52.32%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year107.01%
EBIT Next 3Y41.47%
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 4 / 10 to TWFG.


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

ChartMill assigns a valuation rating of 3 / 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 38.31% in the next year.