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.

Financial snapshot

Revenue (ttm): 294.7M
Net income (ttm): 8.8M
EPS (ttm): $0.60
P/E (trailing): 45.2x
P/E (forward): 25.0x
Market cap: 1.5B

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%	Активно покупать
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Активно покупать
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Держать

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E25

P25 n/aP50 n/aP75 n/a

Trailing P/E45.2

P25 n/aP50 n/aP75 n/a

ROE19.3

P25 n/aP50 n/aP75 n/a

ROIC24.3

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All TWFG indicators

Market & fundamental data

Available fields

229

Groups with data

Currency

USD

Showing 229 of 229 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

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

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

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

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

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%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

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

Financial statements

Income-statement and cash-flow amounts, totals and per share.

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

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

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%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

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

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

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

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

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%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

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

Deeper analysis on TWFG

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this TWFG report

Is a complete TWFG research report available?

No complete published report is available for TWFG, Inc. (TWFG) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

TWFG, Inc. (TWFG)

Price

Financial snapshot

Fair-value bridge

Latest news · TWFG

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All TWFG indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on TWFG

Frequently asked questions