TWFG

TWFG, Inc. Common Stock · NASDAQ · Financial Services · USD · 10-K for 2025, filed 2026-03-10

Figures on this page computed 2026-11-08 13:31 UTC

Last close

29.58USD

Market data, 2026-11-04

TWFG: weekly closes from 26.77 on 2026-08-14 to 29.58 on 2026-11-04, a move of +10.5%. Prices in USD.

Weekly closes, 2026-08-14 to 2026-11-04

Over that span: +10.5%

Except where said otherwise: 10-K for 2025, filed 2026-03-10

53.0xP/E
Price / Earnings per Share (diluted)
Source
computed
Fiscal year
2025
Accession
0001628280-26-016162
Reported in
USD
- computed
- 10-K for 2025, filed 2026-03-10
The filing itself
n/aROIC
We do not hold this figure for this company, so there is nothing to place.
NOPAT / Invested Capital x 100, where NOPAT = Operating Income x (1 - Tax Rate) and Invested Capital = Equity + Total Debt - Cash
Source
computed
Fiscal year
2025
Accession
0001628280-26-016162
Reported in
USD
- 10-K for 2025, filed 2026-03-10
- 10-K for 2025, filed 2026-03-10
- 10-K for 2025, filed 2026-03-10
- 10-Q for 2025, filed 2026-08-06
- 10-K for 2025, filed 2026-03-10
- 10-Q for 2025, filed 2026-08-06
The filing itself
16.6%Net margin
Net Income / Revenue x 100
Source
computed
Fiscal year
2025
Accession
0001628280-26-016162
Reported in
USD
- 10-K for 2025, filed 2026-03-10
- 10-K for 2025, filed 2026-03-10
The filing itself
21.4%FCF margin
Free Cash Flow / Revenue x 100
Source
computed
Fiscal year
2025
Accession
0001628280-26-016162
Reported in
USD
- 10-K for 2025, filed 2026-03-10
- 10-K for 2025, filed 2026-03-10
The filing itself
0.10Debt/equity
Total Debt / Shareholders' Equity
Source
computed
Fiscal year
2025
Accession
0001628280-26-016162
Reported in
USD
- 10-K for 2025, filed 2026-03-10
- 10-Q for 2025, filed 2026-08-06
The filing itself
n/aDividend yield
We do not hold this figure for this company, so there is nothing to place.
Source
computed
Taken on
2026-11-07
Reported in
USD
- computed

Price is the furthest below its sector's middle: 0.48 against 0.55 on the market's range.

What it pays out: n/aWe do not hold this figure for this company, so there is nothing to place.

Five bars, one line

lens 7 of 9

1.28x

3.75x

1.46x

0.32x

1.09x

SalesProfitFree cash flowDebtPrice

Each bar against this company's own average; the line is that average.

Filed2025

Market data2026-11-04

Each against its own average

5 of 5 read

Except where said otherwise: 10-K for 2025, filed 2026-03-10

Sales1.28x
Its own average over 4 years, 194.5M.
Profit3.75x
Its own average over 4 years, 11.0M.
Free cash flow1.46x
Its own average over 4 years, 36.5M.
Debt0.32x
Its own average over 3 years, 25.3M.
Price1.09x
Its own average over 3 years, 27. Market data, 2026-11-04

Profit is furthest from its own average, at 3.75 times.

The filed years, as a table

Each line is 100 at 2022-12-31, the first year we hold.

Filed year	Sales	Shares in issue
2022-12-31	100.0	n/a
2023-12-31	111.8	n/a
2024-12-31	132.4	100.0
2025-12-31	161.5	100.8

How sales was got

Source: filed
Statement: income
Fiscal year: 2025
Accession: 0001628280-26-016162
Reported in: USD

The filing itself

How shares in issue was got

Source: filed
Statement: income
Fiscal year: 2025
Accession: 0001628280-26-016162
Reported in: USD

The filing itself

Figures behind the shape

Growth

1399.7%

faster is higher, placed against 4,950 companies as of 2026-11-07

Five-year revenue growth raten/a
We do not hold this figure for this company, so there is nothing to place.
Source
computed
Taken on
2026-11-07
Reported in
USD
- computed
Five-year EPS growth raten/a
We do not hold this figure for this company, so there is nothing to place.
Source
computed
Taken on
2026-11-07
Reported in
USD
- computed
One-year change in net income1399.7%
Source
computed
Taken on
2026-11-07
Reported in
USD
- computed

Returns on capital

49.4%

higher is higher, placed against 5,089 companies as of 2026-11-07

Return on invested capitaln/a
We do not hold this figure for this company, so there is nothing to place.
NOPAT / Invested Capital x 100, where NOPAT = Operating Income x (1 - Tax Rate) and Invested Capital = Equity + Total Debt - Cash
Source
computed
Fiscal year
2025
Accession
0001628280-26-016162
Reported in
USD
- 10-K for 2025, filed 2026-03-10
- 10-K for 2025, filed 2026-03-10
- 10-K for 2025, filed 2026-03-10
- 10-Q for 2025, filed 2026-08-06
- 10-K for 2025, filed 2026-03-10
- 10-Q for 2025, filed 2026-08-06
The filing itself
Return on equity49.4%
Net Income / Shareholders' Equity x 100
Source
computed
Fiscal year
2025
Accession
0001628280-26-016162
Reported in
USD
- 10-K for 2025, filed 2026-03-10
- 10-Q for 2025, filed 2026-08-06
The filing itself
Return on assets11.1%
Net Income / Total Assets x 100
Source
computed
Fiscal year
2025
Accession
0001628280-26-016162
Reported in
USD
- 10-K for 2025, filed 2026-03-10
- 10-Q for 2025, filed 2026-08-06
The filing itself

Margins

14.9%

wider is higher, placed against 3,412 companies as of 2026-11-07

Gross marginn/a
We do not hold this figure for this company, so there is nothing to place.
Gross Profit / Revenue x 100
Source
computed
Fiscal year
2025
Accession
0001628280-26-016162
Reported in
USD
- 10-K for 2025, filed 2026-03-10
- 10-K for 2025, filed 2026-03-10
The filing itself
Operating margin14.9%
Operating Income / Revenue x 100
Source
computed
Fiscal year
2025
Accession
0001628280-26-016162
Reported in
USD
- 10-K for 2025, filed 2026-03-10
- 10-K for 2025, filed 2026-03-10
The filing itself
Net margin16.6%
Net Income / Revenue x 100
Source
computed
Fiscal year
2025
Accession
0001628280-26-016162
Reported in
USD
- 10-K for 2025, filed 2026-03-10
- 10-K for 2025, filed 2026-03-10
The filing itself
Free cash flow margin21.4%
Free Cash Flow / Revenue x 100
Source
computed
Fiscal year
2025
Accession
0001628280-26-016162
Reported in
USD
- 10-K for 2025, filed 2026-03-10
- 10-K for 2025, filed 2026-03-10
The filing itself

Price

53.0x

cheaper is higher, placed against 4,362 companies as of 2026-11-07

Price to earnings53.0x
Price / Earnings per Share (diluted)
Source
computed
Fiscal year
2025
Accession
0001628280-26-016162
Reported in
USD
- computed
- 10-K for 2025, filed 2026-03-10
The filing itself
Price to book4.3x10-Q for 2025, filed 2026-08-06
Price / Book Value per Share, where BVPS = Shareholders' Equity / Diluted Shares
Source
computed
Fiscal year
2025
Accession
0002007596-26-000012
Reported in
USD
- computed
- 10-Q for 2025, filed 2026-08-06
- computed
- 10-K for 2025, filed 2026-03-10
The filing itself
EV to EBITDA3.9x
Enterprise Value / EBITDA, where EV = Market Cap + Total Debt - Cash
Source
computed
Fiscal year
2025
Accession
0001628280-26-016162
Reported in
USD
- computed
- 10-K for 2025, filed 2026-03-10
- 10-K for 2025, filed 2026-03-10
- 10-Q for 2025, filed 2026-08-06
- 10-K for 2025, filed 2026-03-10
The filing itself
Price to sales ratio1.5x
Market Cap / Revenue, where Market Cap = Price x Diluted Shares
Source
computed
Fiscal year
2025
Accession
0001628280-26-016162
Reported in
USD
- computed
- 10-K for 2025, filed 2026-03-10
- 10-K for 2025, filed 2026-03-10
The filing itself

Safety

0.10

safer is higher, placed against 1,436 companies as of 2026-11-07

Debt to equity0.10
Total Debt / Shareholders' Equity
Source
computed
Fiscal year
2025
Accession
0001628280-26-016162
Reported in
USD
- 10-K for 2025, filed 2026-03-10
- 10-Q for 2025, filed 2026-08-06
The filing itself
Current ratio5.1210-Q for 2025, filed 2026-08-06
Current Assets / Current Liabilities
Source
computed
Fiscal year
2025
Accession
0002007596-26-000012
Reported in
USD
- 10-Q for 2025, filed 2026-08-06
- 10-Q for 2025, filed 2026-08-06
The filing itself
Interest coverage128.9x
Operating Income / Interest Expense
Source
computed
Fiscal year
2025
Accession
0001628280-26-016162
Reported in
USD
- 10-K for 2025, filed 2026-03-10
- 10-K for 2025, filed 2026-03-10
The filing itself
Altman Z-Scoren/a
This measure is not defined for this kind of company, so there is no peer group it belongs in.
1.2 x A + 1.4 x B + 3.3 x C + 0.6 x D + 1.0 x E (A=WC/TA, B=RE/TA, C=EBIT/TA, D=MktCap/TL, E=Rev/TA)
Source
computed
Taken on
2026-11-07
Reported in
USD
- Computed from the 10-K for 2025, filed 2026-03-10
- Computed from the 10-K for 2025, filed 2026-03-10
- Computed from the 10-K for 2025, filed 2026-03-10
- Computed from the 10-K for 2025, filed 2026-03-10
- Computed from the 10-K for 2025, filed 2026-03-10

What it pays out

n/a

We do not hold this figure for this company, so there is nothing to place.

more, and better covered, is higher, with no cohort held

Dividend yieldn/a
We do not hold this figure for this company, so there is nothing to place.
Source
computed
Taken on
2026-11-07
Reported in
USD
- computed
Payout ration/a
We do not hold this figure for this company, so there is nothing to place.
Common Dividends Paid / Net Income x 100, both from the latest filed fiscal year
Source
computed
Fiscal year
2025
Accession
0001628280-26-016162
Reported in
USD
- 10-K for 2025, filed 2026-03-10
- Computed from the 10-K for 2025, filed 2026-03-10
- 10-K for 2025, filed 2026-03-10
The filing itself
Dividend cover ration/a
We do not hold this figure for this company, so there is nothing to place.
Source
computed
Taken on
2026-11-07
Reported in
USD
- computed

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