TWFG, Inc. Common Stock

TWFG

TWFGTWFG, Inc. Common Stock US flag

NASDAQ Global Select

26.28

USD

+0.41

- -

341.56MMarket Cap

Income Statement (USD)

API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	148	167	194	234
+ Sales & Services Revenue	148	167	194	234
- Cost of Revenue	117	131	147	171
+ Cost of Goods & Services	117	131	147	171
Gross Profit	31	36	47	63
+ Other Operating Income	- -	- -	- -	- -
- Operating Expenses	12	15	27	39
+ Selling, General & Admin	10	11	17	22
+ Research & Development	- -	- -	- -	- -
+ Other Operating Expense	2	4	11	17
Operating Income (Loss)	19	21	19	24
- Non-Operating (Income) Loss	-4	-4	-11	-21
+ Interest Expense, Net	- -	- -	-2	-6
+ Interest Expense	- -	1	2	- -
- Interest Income	- -	1	4	7
+ Other Non-Op (Income) Loss	-5	-4	-9	-14
Pretax Income	23	25	30	44
- Income Tax Expense (Benefit)	- -	- -	1	3
- (Income) Loss from Affiliates	- -	- -	- -	- -
Income (Loss) from Cont Ops	23	25	29	41
- Net Extraordinary Losses (Gains)	44	51	52	66
+ Discontinued Operations	-3	1	- -	- -
+ Extraord. & Accounting Changes	47	51	52	66
Income (Loss) Incl. MI	-21	-26	-23	-25
- Minority Interest	-21	-26	-26	-33
Net Income, GAAP	- -	- -	3	8
- Preferred Dividends	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -
Net Income Avail to Common, GAAP	- -	- -	3	8
EBIT	19	21	19	24
EBITDA	22	26	31	42
EBITDA Margin (%)	15.16	15.67	16.12	18.05
EBITA	19	21	19	24
Gross Margin (%)	20.73	21.66	24.04	26.84
Operating Margin (%)	12.92	12.76	9.91	10.2
Profit Margin (%)	- -	- -	1.42	3.4
Sales per Employee	- -	- -	- -	- -
Dividend per Share	1.56	2.54	0.63	1.06
Depreciation Expense	3	5	12	18
Basic Weighted Avg Shares	13	13	15	15
Basic EPS, GAAP	- -	- -	0.19	0.53
Basic EPS from Cont Ops	1.77	1.92	1.94	2.76
Diluted Weighted Avg Shares	13	13	15	15
Diluted EPS, GAAP	- -	- -	0.18	0.53
Diluted EPS from Cont Ops	1.77	1.92	1.91	2.73

Balance Sheet (USD)

API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	89	75	242	226
+ Cash, Cash Equivalents & STI	22	39	196	156
+ Cash & Cash Equivalents	22	39	196	156
+ ST Investments	- -	- -	- -	- -
+ Accounts & Notes Receiv	21	25	35	45
+ Accounts Receivable, Net	21	25	35	45
+ Notes Receivable, Net	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -
+ Other ST Assets	46	11	11	25
+ Misc ST Assets	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -
Total Noncurrent Assets	25	40	82	147
+ Property, Plant & Equip, Net	3	3	8	7
+ Property, Plant & Equip	3	3	8	7
- Accumulated Depreciation	- -	- -	- -	- -
+ LT Investments & Receivables	- -	- -	- -	- -
+ LT Investments	- -	- -	- -	- -
+ LT Receivables	- -	- -	- -	- -
+ Other LT Assets	23	37	74	139
+ Total Intangible Assets	21	36	73	139
+ Goodwill	- -	- -	- -	- -
+ Other Intangible Assets	21	36	73	139
+ LT Deferred Tax Assets	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -
+ Misc LT Assets	1	1	1	1
Total Assets	114	115	323	372
+ Payables & Accruals	10	21	22	23
+ Accounts Payable	10	14	17	17
+ Accrued Taxes	- -	- -	1	1
+ Interest & Dividends Payable	- -	- -	- -	- -
+ Other Payables & Accruals	- -	6	3	5
+ ST Debt	3	3	3	3
+ ST Borrowings	3	2	2	2
+ ST Finance Leases	1	1	1	1
+ Other ST Liabilities	33	11	15	18
+ Deferred Revenue	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -
+ Misc ST Liabilities	33	11	15	18
Total Current Liabilities	46	35	40	44
+ LT Debt	10	48	7	5
+ LT Borrowings	8	47	4	2
+ LT Finance Leases	2	2	3	3
+ Other LT Liabilities	- -	1	1	7
+ Accrued Liabilities	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -
+ Misc LT Liabilities	- -	1	1	7
Total Noncurrent Liabilities	10	49	9	12
Total Liabilities	56	84	48	56
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -
+ Share Capital & APIC	26	26	59	60
+ Common Stock	1	1	- -	- -
+ Additional Paid in Capital	25	25	58	60
- Treasury Stock	- -	- -	- -	- -
+ Retained Earnings	32	5	15	23
+ Other Equity	- -	- -	- -	- -
Equity Before Minority Interest	58	31	74	83
+ Minority/Non Controlling Interest	- -	- -	201	233
Total Equity	58	31	275	317
Total Liabilities & Equity	114	115	323	372
Shares Outstanding	13	13	15	15
Number of Employees	- -	- -	- -	- -
Capital Leases - Total	2	2	4	4
Net Debt	-11	10	-190	-152
Net Debt to Equity	-19.61	32.4	-68.97	-47.98
Tangible Common Equity Ratio	39.26	-6.82	80.78	76.17
Current Ratio	1.91	2.15	6.1	5.12
Cash Conversion Cycle	- -	16.79	17.88	26.11

Cash Flow Statement (USD)

API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	23	25	29	41
+ Depreciation & Amortization	3	5	12	18
+ Non-Cash Items	- -	1	3	5
+ Stock-Based Compensation	- -	- -	2	5
+ Deferred Income Taxes	- -	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -
+ Other Non-Cash Adj	- -	1	1	- -
+ Chg in Non-Cash Work Cap	-4	-1	-3	-11
+ (Inc) Dec in Accts Receiv	-8	-4	-10	-10
+ (Inc) Dec in Inventories	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	5	3	1	1
+ Inc (Dec) in Other	-1	- -	5	-2
+ Net Cash From Disc Ops	4	1	- -	- -
Cash from Operating Activities	26	30	40	54
+ Change in Fixed & Intang	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -
+ Acq of Fixed & Intang	-12	-16	-25	-62
+ Acq of Fixed Prod Assets	- -	- -	-3	- -
+ Acq of Intangible Assets	-12	-15	-22	-62
+ Cash (Repurchase) of Equity	- -	- -	194	- -
+ Increase in Capital Stock	- -	- -	194	- -
+ Decrease in Capital Stock	- -	- -	- -	- -
+ Net Change in LT Investment	- -	- -	- -	- -
+ Dec in LT Investment	- -	- -	- -	- -
+ Inc in LT Investment	- -	- -	- -	- -
+ Net Cash From Acq & Div	- -	1	- -	2
+ Cash from Divestitures	- -	1	- -	2
+ Cash for Acq of Subs	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -
+ Other Investing Activities	-2	- -	- -	-10
+ Net Cash From Disc Ops	- -	- -	- -	- -
Cash from Investing Activities	-15	-15	-25	-70
+ Dividends Paid	-21	-33	-9	-16
+ Net Cash From Debt	-3	38	-43	-2
+ Cash From Debt	- -	41	- -	- -
+ Repayments of Debt	-3	-3	-43	-2
+ Other Financing Activities	8	-15	3	-3
+ Net Cash From Disc Ops	- -	- -	- -	- -
Cash from Financing Activities	-15	-10	143	-21
Effect of Foreign Exchange Rates	- -	- -	- -	- -
Net Changes in Cash	-4	6	159	-37
EBITDA	22	26	31	42
EBITDA Margin (%)	15.16	15.67	16.12	18.05
Free Cash Flow	13	15	15	-9
Net Cash Paid for Acquisitions	- -	-1	- -	-2
Free Cash Flow to Firm	14	16	18	-9
Free Cash Flow to Equity	- -	68	-6	51
Free Cash Flow per Basic Share	1.02	1.1	1.04	-0.59
Price/Free Cash Flow	- -	- -	7.04	3.75
Cash Flow to Net Income	- -	- -	14.75	6.72
Capital Expenditures	-12	-16	-25	-62