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TWFG INC (TWFG) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:TWFG - US87318A1016 - Common Stock

29.12 USD
+0.11 (+0.38%)
Last: 12/26/2025, 8:19:30 PM
29.12 USD
0 (0%)
After Hours: 12/26/2025, 8:19:30 PM
Fundamental Rating

4

TWFG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 148 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 does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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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 has a Return On Assets of 1.89%. This is comparable to the rest of the industry: TWFG outperforms 49.32% of its industry peers.
TWFG has a worse Return On Equity (8.33%) than 62.16% of its industry peers.
TWFG has a Return On Invested Capital of 7.03%. This is amongst the best in the industry. TWFG outperforms 87.16% 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 14.88%.
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

The Profit Margin of TWFG (2.90%) is worse than 76.35% of its industry peers.
TWFG has a Operating Margin (11.88%) which is comparable to the rest of the industry.
The Gross Margin of TWFG (43.14%) is better than 91.89% of its industry peers.
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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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

An Altman-Z score of 2.53 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 (2.53) than 93.24% of its industry peers.
A Debt/Equity ratio of 0.03 indicates that TWFG is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.03, TWFG belongs to the best of the industry, outperforming 85.81% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z 2.53
ROIC/WACC0.81
WACC8.65%
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.
Looking at the Current ratio, with a value of 4.68, TWFG belongs to the top of the industry, outperforming 95.27% of the companies in the same industry.
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.
With an excellent Quick ratio value of 4.68, TWFG belongs to the best of the industry, outperforming 95.27% 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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3

3. Growth

3.1 Past

TWFG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -86.78%.
TWFG shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -39.01%.
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

Based on estimates for the next years, TWFG will show a very strong growth in Earnings Per Share. The EPS will grow by 21.97% on average per year.
The Revenue is expected to grow by 20.87% on average over the next years. This is a very strong growth
EPS Next Y37.87%
EPS Next 2Y24.44%
EPS Next 3Y21.97%
EPS Next 5YN/A
Revenue Next Year18.41%
Revenue Next 2Y21.14%
Revenue Next 3Y20.87%
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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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 37.33 indicates a quite expensive valuation of TWFG.
Based on the Price/Earnings ratio, TWFG is valued a bit more expensive than 78.38% of the companies in the same industry.
TWFG's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 26.57.
The Price/Forward Earnings ratio is 32.53, which means the current valuation is very expensive for TWFG.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TWFG indicates a slightly more expensive valuation: TWFG is more expensive than 77.70% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of TWFG to the average of the S&P500 Index (24.04), we can say TWFG is valued slightly more expensively.
Industry RankSector Rank
PE 37.33
Fwd PE 32.53
TWFG Price Earnings VS Forward Price EarningsTWFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, TWFG is valued a bit cheaper than 67.57% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 6.78
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.
TWFG's earnings are expected to grow with 21.97% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.99
PEG (5Y)N/A
EPS Next 2Y24.44%
EPS Next 3Y21.97%

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0

5. Dividend

5.1 Amount

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

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TWFG INC

NASDAQ:TWFG (12/26/2025, 8:19:30 PM)

After market: 29.12 0 (0%)

29.12

+0.11 (+0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-12 2025-11-12/amc
Earnings (Next)03-11 2026-03-11
Inst Owners80.09%
Inst Owner Change3.23%
Ins Owners6.15%
Ins Owner Change23.63%
Market Cap437.67M
Revenue(TTM)227.79M
Net Income(TTM)6.61M
Analysts78.57
Price Target33.66 (15.59%)
Short Float %2.98%
Short Ratio3.93
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)1.02%
PT rev (3m)-4.07%
EPS NQ rev (1m)13.11%
EPS NQ rev (3m)10.82%
EPS NY rev (1m)10.48%
EPS NY rev (3m)11.38%
Revenue NQ rev (1m)4.35%
Revenue NQ rev (3m)3.92%
Revenue NY rev (1m)-0.25%
Revenue NY rev (3m)-0.82%
Valuation
Industry RankSector Rank
PE 37.33
Fwd PE 32.53
P/S 1.92
P/FCF N/A
P/OCF 8.45
P/B 5.51
P/tB N/A
EV/EBITDA 6.78
EPS(TTM)0.78
EY2.68%
EPS(NY)0.9
Fwd EY3.07%
FCF(TTM)-0.39
FCFYN/A
OCF(TTM)3.45
OCFY11.84%
SpS15.16
BVpS5.28
TBVpS-3.33
PEG (NY)0.99
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 2.53
F-Score6
WACC8.65%
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)-86.78%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%53.33%
EPS Next Y37.87%
EPS Next 2Y24.44%
EPS Next 3Y21.97%
EPS Next 5YN/A
Revenue 1Y (TTM)-39.01%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%17.36%
Revenue Next Year18.41%
Revenue Next 2Y21.14%
Revenue Next 3Y20.87%
Revenue Next 5YN/A
EBIT growth 1Y-52.32%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year106.01%
EBIT Next 3Y41.5%
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 for TWFG stock?

ChartMill assigns a valuation rating of 2 / 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 37.87% in the next year.