TWFG, Inc. (TWFG) stock
Close on Nov 13, 2026Market cap $1.39BP/E 44.5Yield –
TWFG statistics
84 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Feb 24, 2027 (estimated, during market hours)
- Last ex-dividend date
- No dividends
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/OCF Ratio
- 24.72
- 18.84
Enterprise valuationIndustry
- EV / Sales
- 4.96
- 3.74
- EV / EBIT
- 28.59
- 18.76
- EV / FCF
- 27.87
- 22.69
Share statisticsIndustry
- Shares Change (YoY)
- -44.8%
- 3.82%
- Float
- 16M
- 48M
- Shares Held by Insiders
- 69.9%
- 30.2%
- Shares Held by Institutions
- 16.9%
- 47.4%
Short sellingIndustry
- Short Interest
- 1M
- –
- Short Interest Change
- 10.9%
- -4.61%
- Short % of Float
- 6.28%
- 4.55%
- Short % of Shares Outstanding
- 1.89%
- 2.17%
- Days to Cover
- 5.20
- 4.32
Stock price statisticsIndustry
- 52-Week High
- $31.42
- –
- 52-Week Low
- $16.56
- –
- 20-Day Moving Average
- $27.48
- –
- 50-Day Moving Average
- $26.34
- –
- 200-Day Moving Average
- $23.20
- –
- Average True Range (14)
- $1.49
- –
- Price Change (1 Week)
- -8.25%
- -0.20%
- Price Change (1 Month)
- 3.10%
- 4.88%
- Price Change (3 Months)
- -1.11%
- 0.24%
- Price Change (6 Months)
- 42.0%
- 28.8%
- Price Change (YTD)
- -10.4%
- -0.38%
- Price Change (1 Year)
- -2.86%
- 3.81%
- Average Volume (10 Days)
- 193,812
- –
- Average Volume (20 Days)
- 202,514
- –
- Average Volume (90 Days)
- 164,568
- –
- Relative Volume
- 0.78
- 0.74
- Relative Strength Index (14)
- 42.5
- 54.4
- Volatility (1 Year)
- 46.5%
- 42.6%
- Beta (5 Years)
- 0.24
- 0.61
MarginsIndustry
- Pretax Margin
- 18.9%
- 15.9%
- EBITDA Margin
- 25.9%
- 15.6%
- FCF Margin
- 17.8%
- 15.2%
Returns on capitalIndustry
- Return on Capital Employed (ROCE)
- 18.1%
- 13.2%
Financial positionIndustry
- Current Ratio
- 2.81
- 1.16
- Quick Ratio
- 1.46
- 0.43
- Debt / Equity
- 0.05
- 0.84
- Debt / EBITDA
- 0.03
- 2.97
- Debt / FCF
- 0.05
- 3.98
- Net Debt / EBITDA
- -0.94
- 2.38
- Interest Coverage
- 207.02
- 5.35
GrowthIndustry
- Revenue Growth (YoY)
- 35.0%
- 8.29%
- EPS Growth (YoY)
- 34.9%
- 3.81%
- FCF Growth (YoY)
- 13.2%
- 7.43%
- Revenue Growth (3Y CAGR)
- 17.3%
- 12.7%
EfficiencyIndustry
- Asset Turnover
- 0.88
- 0.69
- Revenue Per Employee
- $776.32K
- $363.00K
- Employee Count
- 400
- 1,891
- WACC
- 7.60%
- 7.60%
Income statement (TTM)Industry
- Pretax Income
- $58.81M
- $70.65M
Balance sheetIndustry
- Net Cash (Debt)
- $75.31M
- $16.93K
- Net Cash Per Share
- $1.39
- $0.00
- Equity (Book Value)
- $47.43M
- $264.21M
- Book Value Per Share
- $0.88
- $3.37
- Tangible Book Value
- -$127.24M
- -$2.69M
- Working Capital
- $114.08M
- $85.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$1.19M
- -$28.94M
- FCF Per Share
- $1.02
- $2.24
Dividends and yieldsIndustry
- FCF Yield
- 3.96%
- 4.82%
Taxes and interestIndustry
- Interest Expense
- $260.00K
- $19.25M
- Income Tax
- $3.79M
- $17.36M
- Effective Tax Rate
- 6.45%
- 21.0%
Scores and fair valueIndustry
- Graham Number
- $3.38
- $63.89
- Graham Upside
- -86.9%
- -58.7%
- Altman Z-Score
- 14.33
- 1.74
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | TWFG | S&P 500 | Difference | TWFG per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +6.3% | -3.0% | +9.3 pts | ||
| 3 months | -4.2% | -2.8% | −1.4 pts | ||
| Year to date | -10.4% | +11.5% | −21.8 pts | ||
| 1 year | -5.4% | +13.5% | −18.8 pts |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
1M TWFG shares were sold short on Oct 30, 2026, up 10.9% from the previous report, or 6.28% of the shares available to trade. At recent volumes it would take 5.2 days to buy them back. Over the last 20 sessions, 58.5% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 1,022,817 | +10.9% | 196,819 | 5.2 |
| Oct 15, 2026 | 922,080 | +10.5% | 115,977 | 8.0 |
| Sep 30, 2026 | 834,677 | +14.0% | 178,335 | 4.7 |
| Sep 15, 2026 | 732,074 | +20.5% | 170,679 | 4.3 |
| Aug 31, 2026 | 607,289 | +12.2% | 166,907 | 3.6 |
| Aug 14, 2026 | 541,176 | +0.2% | 156,084 | 3.5 |
| Jul 31, 2026 | 539,997 | +19.9% | 146,354 | 3.7 |
| Jul 15, 2026 | 450,434 | -2.5% | 107,045 | 4.2 |
| Jun 30, 2026 | 462,062 | -4.4% | 178,343 | 2.6 |
| Jun 15, 2026 | 483,550 | -1.9% | 314,618 | 1.5 |
| May 29, 2026 | 492,789 | -13.3% | 183,353 | 2.7 |
| May 15, 2026 | 568,351 | +4.9% | 315,639 | 1.8 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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