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TWFG, Inc. (TWFG)

NASDAQ: TWFG · USD

$27.2

-0.07 (-0.3%)· Recorded snapshot

Market cap	1.5B
Revenue (ttm)	294.7M
Net income (ttm)	8.8M
EPS (ttm)	$0.60
Shares out	54.1M
P/E (trailing)	45.2x
P/E (forward)	25.0x
Volume	141,967
Beta	0.28

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Starker Kauf
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Starker Kauf
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Halten

Metric	Value
Amount currency	USD
CIK code	0002007596
Company name	TWFG, Inc.
Country	United States
Country code	US
CUSIP number	87318A101
Earnings date	2026-11-04
Earnings time	amc
Employees	400
Employees change	107
Employees growth	36.52%
Enterprise value	$1.4B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2001
Industry	Insurance Brokers
IPO date	2024-07-18
Is primary listing	Yes
Is SPAC	No
ISIN number	US87318A1016
Last 10-K release date	2026-03-10
Last earnings date	2026-08-05
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$1.5B
Market cap category	Small-Cap
Next earnings date	2026-11-04
Options	No
Price	$27.18
Price currency	USD
Sector	Financials
SIC code	6411
Stock price date	2026-10-28
Symbol	TWFG
U.S. state	Texas
Website	https://www.twfg.com

Metric

Value

Amount currency

USD

CIK code

0002007596

Company name

TWFG, Inc.

Country

United States

Country code

CUSIP number

87318A101

Earnings date

2026-11-04

Earnings time

amc

Employees

400

Employees change

107

Employees growth

36.52%

Enterprise value

$1.4B

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

2001

Industry

Insurance Brokers

IPO date

2024-07-18

Is primary listing

Yes

Is SPAC

ISIN number

US87318A1016

Last 10-K release date

2026-03-10

Last earnings date

2026-08-05

Last refreshed

2026-10-28

Last stock split type

Never

Market cap

$1.5B

Market cap category

Small-Cap

Next earnings date

2026-11-04

Options

Price

$27.18

Price currency

USD

Sector

Financials

SIC code

6411

Stock price date

2026-10-28

Symbol

TWFG

U.S. state

Texas

Website

https://www.twfg.com

Metric	Value
Adjusted P/E ratio	22.65x
Earnings yield	2.21%
EV/Earnings	160.34x
EV/EBIT	26.2x
EV/EBITDA	18.21x
EV/FCF	23.63x
EV/Sales	4.79x
FCF / EV yield	4.23%
FCF yield	4.04%
Forward EV/Sales	4.18x
Forward P/E	25.04x
Forward P/S	4.37x
Graham number	6.9855
Graham upside	-74.41%
Industry forward P/E	16.8x
Industry P/E	27.94x
P/(FCF - SBC) ratio	26.44x
P/(OCF - SBC) ratio	25.93x
P/B ratio	7.56x
P/E ratio	45.2x
P/FCF ratio	24.72x
P/OCF ratio	24.28x
P/S ratio	5.01x
Price/EBITDA ratio	19.06x
Sector forward P/E	13.63x
Sector P/E	15.65x

Metric

Value

Adjusted P/E ratio

22.65x

Earnings yield

2.21%

EV/Earnings

160.34x

EV/EBIT

26.2x

EV/EBITDA

18.21x

EV/FCF

23.63x

EV/Sales

4.79x

FCF / EV yield

4.23%

FCF yield

4.04%

Forward EV/Sales

4.18x

Forward P/E

25.04x

Forward P/S

4.37x

Graham number

6.9855

Graham upside

-74.41%

Industry forward P/E

16.8x

Industry P/E

27.94x

P/(FCF - SBC) ratio

26.44x

P/(OCF - SBC) ratio

25.93x

P/B ratio

7.56x

P/E ratio

45.2x

P/FCF ratio

24.72x

P/OCF ratio

24.28x

P/S ratio

5.01x

Price/EBITDA ratio

19.06x

Sector forward P/E

13.63x

Sector P/E

15.65x

Metric	Value
EBIT margin	18.26%
EBITDA margin	26.27%
Effective tax rate	6.97%
FCF margin	20.25%
Gross margin	85.88%
Operating margin	18.26%
Pretax margin	20.29%
Profit margin	2.98%
Profit per employee	$21,990
Profitable quarters	8
Profitable years	2
Revenue per employee	$736,833
ROA	9.6%
ROCE	18.45%
ROE	19.32%
ROIC	24.32%
SBC / revenue	1.32%
Tax / revenue	1.41%

Metric

Value

EBIT margin

18.26%

EBITDA margin

26.27%

Effective tax rate

6.97%

FCF margin

20.25%

Gross margin

85.88%

Operating margin

18.26%

Pretax margin

20.29%

Profit margin

2.98%

Profit per employee

$21,990

Profitable quarters

Profitable years

Revenue per employee

$736,833

ROA

9.6%

ROCE

18.45%

ROE

19.32%

ROIC

24.32%

SBC / revenue

1.32%

Tax / revenue

1.41%

Metric	Value
EPS growth	118.66%
EPS growth (Q)	38.07%
EPS growth (QoQ)	51.58%
EPS growth quarters	4
EPS growth years	1
FCF growth	31.54%
FCF growth (Q)	-2.7%
FCF growth (QoQ)	-58.47%
Gross profit growth	36.77%
Gross profit growth (Q)	49.03%
Net income growth	45.63%
Net income growth (Q)	21.16%
Net income growth (QoQ)	34.95%
Net income growth quarters	4
Net income growth years	1
OCF growth	25.1%
OCF growth (Q)	2.11%
OCF growth (QoQ)	-56.79%
Operating income growth	105.51%
Operating income growth (Q)	138.86%
Revenue growth	34.74%
Revenue growth (Q)	45.11%
Revenue growth (QoQ)	20.14%
Revenue growth quarters	10
Revenue growth years	3

Metric

Value

EPS growth

118.66%

EPS growth (Q)

38.07%

EPS growth (QoQ)

51.58%

EPS growth quarters

EPS growth years

FCF growth

31.54%

FCF growth (Q)

-2.7%

FCF growth (QoQ)

-58.47%

Gross profit growth

36.77%

Gross profit growth (Q)

49.03%

Net income growth

45.63%

Net income growth (Q)

21.16%

Net income growth (QoQ)

34.95%

Net income growth quarters

Net income growth years

OCF growth

25.1%

OCF growth (Q)

2.11%

OCF growth (QoQ)

-56.79%

Operating income growth

105.51%

Operating income growth (Q)

138.86%

Revenue growth

34.74%

Revenue growth (Q)

45.11%

Revenue growth (QoQ)

20.14%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-1.1M
Depreciation and amortization	$23.6M
EBIT	$53.8M
EBITDA	$77.4M
EPS	$0.60
FCF per share	$1.10
Financing cash flow	$-62M
Free cash flow	$59.7M
Free cash flow minus SBC	$55.8M
Gross profit	$253.1M
Income taxes	$4.2M
Investing cash flow	$-77M
Net borrowing	$-1.9M
Net cash flow	$-78.3M
Net income	$8.8M
Operating cash flow minus SBC	$56.9M
Operating income	$53.8M
Revenue	$294.7M
Stock-based compensation	$3.9M

Metric

Value

Capital expenditures

$-1.1M

Depreciation and amortization

$23.6M

EBIT

$53.8M

EBITDA

$77.4M

EPS

$0.60

FCF per share

$1.10

Financing cash flow

$-62M

Free cash flow

$59.7M

Free cash flow minus SBC

$55.8M

Gross profit

$253.1M

Income taxes

$4.2M

Investing cash flow

$-77M

Net borrowing

$-1.9M

Net cash flow

$-78.3M

Net income

$8.8M

Operating cash flow minus SBC

$56.9M

Operating income

$53.8M

Revenue

$294.7M

Stock-based compensation

$3.9M

Metric	Value
Altman Z-Score	4.81
Book value per share	$3.61
Debt / EBITDA	0.11
Debt / equity	0.03
Debt / FCF	0.14
Interest coverage	211.1
Long-term assets	$187.8M
Long-term liabilities	$4.8M
Net cash (debt)	$65.3M
Net cash / market cap	4.42%
Net cash growth	-55.32%
Net debt / EBITDA	-0.84
Net debt / equity	-0.23
Net debt / FCF	-1.09
Piotroski F-Score	6
Property, plant and equipment	$8.5M
Shareholders' equity	$287M
Tangible book value	$-132.6M
Tangible book value per share	$-10.36
Total assets	$358.4M
Total cash	$73.7M
Total debt	$8.5M
Total liabilities	$71.3M
WACC	5.77%

Metric

Value

Altman Z-Score

4.81

Book value per share

$3.61

Debt / EBITDA

0.11

Debt / equity

0.03

Debt / FCF

0.14

Interest coverage

211.1

Long-term assets

$187.8M

Long-term liabilities

$4.8M

Net cash (debt)

$65.3M

Net cash / market cap

4.42%

Net cash growth

-55.32%

Net debt / EBITDA

-0.84

Net debt / equity

-0.23

Net debt / FCF

-1.09

Piotroski F-Score

Property, plant and equipment

$8.5M

Shareholders' equity

$287M

Tangible book value

$-132.6M

Tangible book value per share

$-10.36

Total assets

$358.4M

Total cash

$73.7M

Total debt

$8.5M

Total liabilities

$71.3M

WACC

5.77%

Metric	Value
Asset turnover	0.84
Current assets	$170.5M
Current liabilities	$66.6M
Current ratio	2.56
Net working capital	$33.9M
Quick ratio	2.03
Working capital	$104M
Working capital turnover	2.21

Metric

Value

Asset turnover

0.84

Current assets

$170.5M

Current liabilities

$66.6M

Current ratio

2.56

Net working capital

$33.9M

Quick ratio

2.03

Working capital

$104M

Working capital turnover

2.21

Metric	Value
Buyback yield / dilution	34.4%
Dividend yield	0%
Shareholder yield	34.4%

Metric

Value

Buyback yield / dilution

34.4%

Dividend yield

Shareholder yield

34.4%

Metric	Value
150-day SMA	$23.58
1D price change	-0.26%
1M price change	12.55%
1M total return	12.55%
1W price change	5.59%
1W total return	5.59%
1Y price change	4.1%
1Y return CAGR	4.1%
1Y total return	4.1%
20-day SMA	$25.78
200-day SMA	$23.10
3M price change	2.33%
3M total return	2.33%
50-day SMA	$26.78
50-day SMA vs 200-day SMA	50over200
52-week high	$31.30
52-week high date	2026-08-25
52-week low	$16.56
52-week low date	2026-02-19
6M price change	37.76%
6M total return	37.76%
All-time high	$36.85
All-time high date	2025-06-02
All-time low	$16.56
All-time low date	2026-02-19
Average true range (ATR)	$1.28
Average volume	155.7K
Beta (1Y)	0.54
Beta (2Y)	0.46
Beta (5Y)	0.28
Change from 52-week high	-13.16%
Change from 52-week low	64.13%
Change from all-time high	-26.24%
Change from all-time low	64.13%
Change from open	-1.66%
Day's gap	1.43%
Dollar volume	$3.9M
High price	$27.64
Low price	$27.18
Monthly RSI	53.98
Open price	$27.64
Position in 52-week range	0%
Previous close	$27.25
Price vs 150-day SMA	15.25%
Price vs 20-day SMA	5.43%
Price vs 200-day SMA	17.67%
Price vs 50-day SMA	1.5%
Relative volume	0.91
Return from IPO open	24.09%
Return from IPO price	60.59%
RSI	55.66
Sharpe ratio	0.23
Sortino ratio	0.45
Volume	142K
Weekly RSI	55.62
YTD price change	-5.53%
YTD total return	-5.53%

Metric

Value

150-day SMA

$23.58

1D price change

-0.26%

1M price change

12.55%

1M total return

12.55%

1W price change

5.59%

1W total return

5.59%

1Y price change

4.1%

1Y return CAGR

4.1%

1Y total return

4.1%

20-day SMA

$25.78

200-day SMA

$23.10

3M price change

2.33%

3M total return

2.33%

50-day SMA

$26.78

50-day SMA vs 200-day SMA

50over200

52-week high

$31.30

52-week high date

2026-08-25

52-week low

$16.56

52-week low date

2026-02-19

6M price change

37.76%

6M total return

37.76%

All-time high

$36.85

All-time high date

2025-06-02

All-time low

$16.56

All-time low date

2026-02-19

Average true range (ATR)

$1.28

Average volume

155.7K

Beta (1Y)

0.54

Beta (2Y)

0.46

Beta (5Y)

0.28

Change from 52-week high

-13.16%

Change from 52-week low

64.13%

Change from all-time high

-26.24%

Change from all-time low

64.13%

Change from open

-1.66%

Day's gap

1.43%

Dollar volume

$3.9M

High price

$27.64

Low price

$27.18

Monthly RSI

53.98

Open price

$27.64

Position in 52-week range

Previous close

$27.25

Price vs 150-day SMA

15.25%

Price vs 20-day SMA

5.43%

Price vs 200-day SMA

17.67%

Price vs 50-day SMA

1.5%

Relative volume

0.91

Return from IPO open

24.09%

Return from IPO price

60.59%

RSI

55.66

Sharpe ratio

0.23

Sortino ratio

0.45

Volume

142K

Weekly RSI

55.62

YTD price change

-5.53%

YTD total return

-5.53%

Metric	Value
Float	11.2M
Float percentage	20.71%
Shares change (QoQ)	-12.09%
Shares change (YoY)	-34.4%
Shares held by insiders	7.14%
Shares held by institutions	76.35%
Shares outstanding	54.1M
Short % of float	8.24%
Short % of shares	1.71%
Short ratio	4.7 days

Metric

Value

Float

11.2M

Float percentage

20.71%

Shares change (QoQ)

-12.09%

Shares change (YoY)

-34.4%

Shares held by insiders

7.14%

Shares held by institutions

76.35%

Shares outstanding

54.1M

Short % of float

8.24%

Short % of shares

1.71%

Short ratio

4.7 days

TWFG, Inc. (TWFG)

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