TWFGNasdaqInsurance Agents, Brokers & ServiceFiscal year ends December 31
TWFG, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$25.45+0.08 (+0.32%)
Close on Oct 19, 2026
- Market cap
- $333.30M
- P/E (TTM)
- 42.4
- Dividend yield
- –
TWFG statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Insurance Agents, Brokers & Service companies for comparison
Valuation
| Measure | TWFG | Industry median |
|---|---|---|
| Market Cap | $1.38B | $4.02B |
| Enterprise Value | $1.52B | $2.79B |
| PE Ratio | 42.42 | 27.21 |
| PS Ratio | 4.67 | 3.26 |
| PB Ratio | 29.81 | 4.61 |
| P/FCF Ratio | 23.05 | 19.72 |
| P/OCF Ratio | 22.63 | 18.67 |
Enterprise value
| Measure | TWFG | Industry median |
|---|---|---|
| EV / Sales | 5.17 | 3.60 |
| EV / EBITDA | 19.48 | 17.28 |
| EV / EBIT | 28.29 | 17.02 |
| EV / FCF | 25.51 | 23.09 |
Income (trailing twelve months)
| Measure | TWFG | Industry median |
|---|---|---|
| Revenue | $294.73M | $1.25B |
| Operating Income | $53.83M | $72.92M |
| Pretax Income | $59.81M | $59.81M |
| EBITDA | $78.16M | $78.16M |
| EPS (Diluted) | $0.60 | $0.42 |
Margins
| Measure | TWFG | Industry median |
|---|---|---|
| Operating Margin | 18.3% | 18.3% |
| Pretax Margin | 20.3% | 15.4% |
| EBITDA Margin | 26.5% | 17.9% |
| FCF Margin | 20.3% | 14.6% |
Returns
| Measure | TWFG | Industry median |
|---|---|---|
| Return on Capital Employed (ROCE) | 18.4% | 15.4% |
Growth
| Measure | TWFG | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 34.7% | 11.0% |
| EPS Growth (YoY) | 50.0% | 0.12% |
| FCF Growth (YoY) | 31.5% | 14.4% |
| Revenue Growth (3Y CAGR) | 17.3% | 12.7% |
Balance sheet
| Measure | TWFG | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $73.75M | $154.22M |
| Total Debt | $3.03M | $343.77M |
| Net Cash (Debt) | $70.72M | $8.90K |
| Net Cash Per Share | $1.31 | $0.00 |
| Equity (Book Value) | $46.15M | $351.81M |
| Book Value Per Share | $0.85 | $3.30 |
| Tangible Book Value | -$132.59M | -$4.39M |
| Working Capital | $103.95M | $103.45M |
Financial position
| Measure | TWFG | Industry median |
|---|---|---|
| Current Ratio | 2.56 | 1.16 |
| Quick Ratio | 1.32 | 0.35 |
| Debt / Equity | 0.07 | 0.85 |
| Debt / EBITDA | 0.04 | 2.97 |
| Debt / FCF | 0.05 | 3.98 |
| Net Debt / EBITDA | -0.90 | 2.47 |
| Interest Coverage | 211.10 | 4.32 |
Cash flow (trailing twelve months)
| Measure | TWFG | Industry median |
|---|---|---|
| Operating Cash Flow | $60.78M | $88.46M |
| Capital Expenditures | -$1.09M | -$28.94M |
| Free Cash Flow | $59.68M | $113.82M |
| FCF Per Share | $1.10 | $2.17 |
Efficiency
| Measure | TWFG | Industry median |
|---|---|---|
| Asset Turnover | 0.84 | 0.56 |
| Revenue Per Employee | $736.83K | $362.44K |
| Employee Count | 400 | 1,891 |
Dividends and yields
| Measure | TWFG | Industry median |
|---|---|---|
| FCF Yield | 4.34% | 4.94% |
Shares
| Measure | TWFG | Industry median |
|---|---|---|
| Shares Outstanding | 54,051,800 | 115,052,450 |
| Shares Change (YoY) | -42.6% | 4.05% |
| Float | 16,290,100 | 48,459,300 |
| Shares Held by Insiders | 69.9% | 30.2% |
| Shares Held by Institutions | 16.9% | 48.8% |
Taxes
| Measure | TWFG | Industry median |
|---|---|---|
| Income Tax | $4.17M | $15.16M |
| Effective Tax Rate | 6.97% | 20.9% |
Scores
| Measure | TWFG | Industry median |
|---|---|---|
| Graham Number | $3.40 | $64.76 |
| Graham Upside | -86.7% | -55.7% |
| Altman Z-Score | 13.35 | 1.48 |
Calculated by StockData from TWFG's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.