TWFG, Inc.

NNASDAQ:TWFGNasdaq Stock Market

27.25

USD

-1.78

(-6.13%)

2.24EPS

39.59P/E

307.77MMarket Cap

Nov 18Next Earn

Profitability (USD)

Profitability Ratios 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

Return on Common Equity (%)	- -	- -	5.23	10.13
Return on Assets (%)	- -	- -	1.25	2.29
Return on Capital (%)	- -	-32.61	-11.4	-8.18
Return on Invested Capital (%)	- -	33	14.35	11.18
Gross Margin (%)	20.73	21.66	24.04	26.84
EBITDA Margin (%)	18.28	18.12	20.62	23.65
Operating Margin (%)	12.92	12.76	9.91	10.2
Incremental Operating Margin (%)	- -	11.5	- -	11.61
Pretax Margin (%)	15.8	15.13	15.53	19
Profit Margin (%)	- -	- -	1.42	3.4
Net Income to Common Margin (%)	- -	- -	1.42	3.4
Effective Tax Rate (%)	- -	- -	4.97	7.38
Dvd Payout Ratio (%)	46.76	65.05	17.1	21.33
Sustainable Growth Rate (%)	- -	- -	4.34	7.97

Credit (USD)

Credit Ratios 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 Debt	13	52	10	8
ST Debt	3	3	3	3
LT Debt	10	48	7	5
Total Debt/EBITDA	0.49	1.71	0.26	0.15
Net Debt/EBITDA	-0.42	0.33	-4.75	-2.75
Total Debt/EBIT	0.56	2.04	0.37	0.22
Net Debt/EBIT	-0.48	0.4	-6.8	-4.11
EBITDA to Interest Expense	67.89	30.16	17.97	192.82
EBITDA-CapEx/Interest Expense	37.04	14.56	6.7	-24.15
EBIT to Interest Expense	47.98	21.24	8.64	83.18
Interest Expense	- -	1	2	- -
Common Equity/Total Assets	50.62	26.9	22.84	22.39
Long-Term Debt/Equity (%)	17.37	155.99	2.68	1.56
Long-Term Debt/Capital (%)	14.12	58.49	2.58	1.52
Long-Term Debt/Total Assets (%)	8.79	41.96	2.28	1.32
Total Debt/Equity (%)	23.03	166.68	3.74	2.6
Total Debt/Capital (%)	18.72	62.5	3.61	2.53
Total Debt/Total Assets (%)	11.66	44.83	3.19	2.21
Net Debt to Equity	-19.61	32.4	-68.97	-47.98
Net Debt/Capital (%)	-23.24	23.12	-211.38	-89.92
EBITDA	27	30	40	55
EBITDA-CapEx	15	15	15	-7
Operating Income (Loss)	19	21	19	24

Liquidity (USD)

Liquidity Ratios 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

Cash Ratio	0.48	1.13	4.94	3.54
Current Ratio	1.91	2.15	6.1	5.12
Quick Ratio	0.93	1.84	5.82	4.55
CFO/Avg Current Liab	- -	0.74	1.09	1.28
Common Equity/Total Assets	50.62	26.9	22.84	22.39
Long-Term Debt/Equity (%)	17.37	155.99	2.68	1.56
Long-Term Debt/Capital (%)	14.12	58.49	2.58	1.52
Long-Term Debt/Total Assets (%)	8.79	41.96	2.28	1.32
Total Debt/Equity (%)	23.03	166.68	3.74	2.6
Total Debt/Capital (%)	18.72	62.5	3.61	2.53
Total Debt/Total Assets (%)	11.66	44.83	3.19	2.21
CFO/Total Liabilities	45.69	35.73	84.08	96.08
CFO/CapEx	2.1	1.93	1.62	0.86
Altman's Z-Score	- -	- -	7.77	7.07

Working Capital (USD)

Working Capital Ratios 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

Accounts Receivable Turnover	- -	7.31	6.46	5.87
Days Sales Outstanding	- -	49.95	56.5	62.17
Inventory Turnover	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -
Inventories	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value 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

Market Capitalization	- -	- -	456	432
- Cash & Cash Equivalents	22	39	196	156
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	201	233
+ Total Debt	13	52	10	8
Enterprise Value	- -	- -	472	518
Total Capital	71	83	286	325
Total Debt/Capital (%)	18.72	62.5	3.61	2.53
Total Debt / EV	- -	- -	0.02	0.02
EV/Sales	- -	- -	2.44	2.21
EV/EBITDA	- -	- -	11.82	9.36
EV/EBIT	- -	- -	16.91	14
EV/Cash Flow to Firm	- -	- -	11.09	9.63
EV/Free Cash Flow to Firm	- -	- -	26.92	- -
Diluted Market Cap	- -	- -	461	434
Diluted Enterprise Value	- -	- -	477	520
EV per Share	- -	- -	31.88	34.46
TTM Sales	148	167	194	234
TTM EBITDA	27	30	40	55
TTM Operating Income	19	21	19	24
TTM Cash Flow to Firm	26	31	43	54
TTM Free Cash Flow to Firm	14	16	18	-9

Multiples (USD)

Valuation Multiples 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

Price/Free Cash Flow	- -	- -	29.92	-49.55
EV/EBIT	- -	- -	16.91	14
Enterprise Value	- -	- -	472	518
Low Price	- -	- -	21.31	23.52
EV/Sales	- -	- -	2.44	2.21
EV/EBITDA	- -	- -	11.82	9.36
Price/Earnings	- -	- -	165.75	53.88
Price/Earnings Average	- -	- -	154.83	55.87
Price/Earnings High	- -	- -	196.42	69.02
Price/Earnings Low	- -	- -	114.68	44.05
Price/Book Value	- -	- -	6.17	5.19
Price/Book Value Average	- -	- -	5.77	5.38
Price/Book Value High	- -	- -	7.32	6.64
Price/Book Value Low	- -	- -	4.27	4.24
Price/Tangible Book Value	- -	- -	503.54	-7.83
Price/Tangible Book Value Average	- -	- -	470.36	-8.11
Price/Tangible Book Value High	- -	- -	596.73	-10.02
Price/Tangible Book Value Low	- -	- -	348.39	-6.4
Price/Sales	- -	- -	2.35	1.83
Price/Sales Average	- -	- -	2.19	1.9
Price/Sales High	- -	- -	2.78	2.35
Price/Sales Low	- -	- -	1.62	1.5
Price/Cash Flow	- -	- -	11.24	8.02
Price/Cash Flow Average	- -	- -	10.5	8.32
Price/Cash Flow High	- -	- -	13.32	10.27
Price/Cash Flow Low	- -	- -	7.78	6.56
Price/Free Cash Flow Average	- -	- -	27.95	-51.38
Price/Free Cash Flow High	- -	- -	35.46	-63.47
Price/Free Cash Flow Low	- -	- -	20.7	-40.51
EV/Sales Average	- -	- -	2.28	2.28
EV/Sales High	- -	- -	2.87	2.73
EV/Sales Low	- -	- -	1.71	1.88
EV/EBITDA Average	- -	- -	11.07	9.65
EV/EBITDA High	- -	- -	13.93	11.55
EV/EBITDA Low	- -	- -	8.3	7.93
EV/EBIT Average	- -	- -	15.83	14.43
EV/EBIT High	- -	- -	19.93	17.29
EV/EBIT Low	- -	- -	11.87	11.87
Last Price	- -	- -	30.8	28.77
High Price	- -	- -	36.5	36.85
Enterprise Value Average	- -	- -	442	534
Enterprise Value High	- -	- -	557	639
Enterprise Value Low	- -	- -	332	439

Per Share Data Items (USD)

Per-Share Data 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

Shares Outstanding	13	13	15	15
Diluted Weighted Avg Shares	13	13	15	15
Basic Weighted Avg Shares	13	13	15	15
Revenue per Share	11.23	12.69	13.11	15.69
EBITDA per Share	2.05	2.3	2.7	3.71
Operating Income per Share	1.45	1.62	1.3	1.6
Basic EPS, GAAP	- -	- -	0.19	0.53
Basic EPS from Cont Ops	1.77	1.92	1.94	2.76
Diluted EPS, GAAP	- -	- -	0.18	0.53
Diluted EPS from Cont Ops	1.77	1.92	1.91	2.73
Dividend per Share	1.56	2.54	0.63	1.06
Cash Flow per Share	1.96	2.29	2.74	3.59
Free Cash Flow per Basic Share	1.02	1.1	1.04	-0.59
Cash & Equivalents per Share	1.7	2.99	13.22	10.38
Book Value per Share	4.39	2.36	4.99	5.55
Tangible Book Value per Share	2.77	-0.41	0.06	-3.68

Profitability (USD)

Profitability Ratios 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

Return on Common Equity (%)	- -	- -	5.23	10.13
Return on Assets (%)	- -	- -	1.25	2.29
Return on Capital (%)	- -	-32.61	-11.4	-8.18
Return on Invested Capital (%)	- -	33	14.35	11.18
Gross Margin (%)	20.73	21.66	24.04	26.84
EBITDA Margin (%)	18.28	18.12	20.62	23.65
Operating Margin (%)	12.92	12.76	9.91	10.2
Incremental Operating Margin (%)	- -	11.5	- -	11.61
Pretax Margin (%)	15.8	15.13	15.53	19
Profit Margin (%)	- -	- -	1.42	3.4
Net Income to Common Margin (%)	- -	- -	1.42	3.4
Effective Tax Rate (%)	- -	- -	4.97	7.38
Dvd Payout Ratio (%)	46.76	65.05	17.1	21.33
Sustainable Growth Rate (%)	- -	- -	4.34	7.97

Credit (USD)

Credit Ratios 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 Debt	13	52	10	8
ST Debt	3	3	3	3
LT Debt	10	48	7	5
Total Debt/EBITDA	0.49	1.71	0.26	0.15
Net Debt/EBITDA	-0.42	0.33	-4.75	-2.75
Total Debt/EBIT	0.56	2.04	0.37	0.22
Net Debt/EBIT	-0.48	0.4	-6.8	-4.11
EBITDA to Interest Expense	67.89	30.16	17.97	192.82
EBITDA-CapEx/Interest Expense	37.04	14.56	6.7	-24.15
EBIT to Interest Expense	47.98	21.24	8.64	83.18
Interest Expense	- -	1	2	- -
Common Equity/Total Assets	50.62	26.9	22.84	22.39
Long-Term Debt/Equity (%)	17.37	155.99	2.68	1.56
Long-Term Debt/Capital (%)	14.12	58.49	2.58	1.52
Long-Term Debt/Total Assets (%)	8.79	41.96	2.28	1.32
Total Debt/Equity (%)	23.03	166.68	3.74	2.6
Total Debt/Capital (%)	18.72	62.5	3.61	2.53
Total Debt/Total Assets (%)	11.66	44.83	3.19	2.21
Net Debt to Equity	-19.61	32.4	-68.97	-47.98
Net Debt/Capital (%)	-23.24	23.12	-211.38	-89.92
EBITDA	27	30	40	55
EBITDA-CapEx	15	15	15	-7
Operating Income (Loss)	19	21	19	24

Liquidity (USD)

Liquidity Ratios 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

Cash Ratio	0.48	1.13	4.94	3.54
Current Ratio	1.91	2.15	6.1	5.12
Quick Ratio	0.93	1.84	5.82	4.55
CFO/Avg Current Liab	- -	0.74	1.09	1.28
Common Equity/Total Assets	50.62	26.9	22.84	22.39
Long-Term Debt/Equity (%)	17.37	155.99	2.68	1.56
Long-Term Debt/Capital (%)	14.12	58.49	2.58	1.52
Long-Term Debt/Total Assets (%)	8.79	41.96	2.28	1.32
Total Debt/Equity (%)	23.03	166.68	3.74	2.6
Total Debt/Capital (%)	18.72	62.5	3.61	2.53
Total Debt/Total Assets (%)	11.66	44.83	3.19	2.21
CFO/Total Liabilities	45.69	35.73	84.08	96.08
CFO/CapEx	2.1	1.93	1.62	0.86
Altman's Z-Score	- -	- -	7.77	7.07

Working Capital (USD)

Working Capital Ratios 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

Accounts Receivable Turnover	- -	7.31	6.46	5.87
Days Sales Outstanding	- -	49.95	56.5	62.17
Inventory Turnover	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -
Inventories	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value 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

Market Capitalization	- -	- -	456	432
- Cash & Cash Equivalents	22	39	196	156
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	201	233
+ Total Debt	13	52	10	8
Enterprise Value	- -	- -	472	518
Total Capital	71	83	286	325
Total Debt/Capital (%)	18.72	62.5	3.61	2.53
Total Debt / EV	- -	- -	0.02	0.02
EV/Sales	- -	- -	2.44	2.21
EV/EBITDA	- -	- -	11.82	9.36
EV/EBIT	- -	- -	16.91	14
EV/Cash Flow to Firm	- -	- -	11.09	9.63
EV/Free Cash Flow to Firm	- -	- -	26.92	- -
Diluted Market Cap	- -	- -	461	434
Diluted Enterprise Value	- -	- -	477	520
EV per Share	- -	- -	31.88	34.46
TTM Sales	148	167	194	234
TTM EBITDA	27	30	40	55
TTM Operating Income	19	21	19	24
TTM Cash Flow to Firm	26	31	43	54
TTM Free Cash Flow to Firm	14	16	18	-9

Multiples (USD)

Valuation Multiples 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

Price/Free Cash Flow	- -	- -	29.92	-49.55
EV/EBIT	- -	- -	16.91	14
Enterprise Value	- -	- -	472	518
Low Price	- -	- -	21.31	23.52
EV/Sales	- -	- -	2.44	2.21
EV/EBITDA	- -	- -	11.82	9.36
Price/Earnings	- -	- -	165.75	53.88
Price/Earnings Average	- -	- -	154.83	55.87
Price/Earnings High	- -	- -	196.42	69.02
Price/Earnings Low	- -	- -	114.68	44.05
Price/Book Value	- -	- -	6.17	5.19
Price/Book Value Average	- -	- -	5.77	5.38
Price/Book Value High	- -	- -	7.32	6.64
Price/Book Value Low	- -	- -	4.27	4.24
Price/Tangible Book Value	- -	- -	503.54	-7.83
Price/Tangible Book Value Average	- -	- -	470.36	-8.11
Price/Tangible Book Value High	- -	- -	596.73	-10.02
Price/Tangible Book Value Low	- -	- -	348.39	-6.4
Price/Sales	- -	- -	2.35	1.83
Price/Sales Average	- -	- -	2.19	1.9
Price/Sales High	- -	- -	2.78	2.35
Price/Sales Low	- -	- -	1.62	1.5
Price/Cash Flow	- -	- -	11.24	8.02
Price/Cash Flow Average	- -	- -	10.5	8.32
Price/Cash Flow High	- -	- -	13.32	10.27
Price/Cash Flow Low	- -	- -	7.78	6.56
Price/Free Cash Flow Average	- -	- -	27.95	-51.38
Price/Free Cash Flow High	- -	- -	35.46	-63.47
Price/Free Cash Flow Low	- -	- -	20.7	-40.51
EV/Sales Average	- -	- -	2.28	2.28
EV/Sales High	- -	- -	2.87	2.73
EV/Sales Low	- -	- -	1.71	1.88
EV/EBITDA Average	- -	- -	11.07	9.65
EV/EBITDA High	- -	- -	13.93	11.55
EV/EBITDA Low	- -	- -	8.3	7.93
EV/EBIT Average	- -	- -	15.83	14.43
EV/EBIT High	- -	- -	19.93	17.29
EV/EBIT Low	- -	- -	11.87	11.87
Last Price	- -	- -	30.8	28.77
High Price	- -	- -	36.5	36.85
Enterprise Value Average	- -	- -	442	534
Enterprise Value High	- -	- -	557	639
Enterprise Value Low	- -	- -	332	439

Per Share Data Items (USD)

Per-Share Data 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

Shares Outstanding	13	13	15	15
Diluted Weighted Avg Shares	13	13	15	15
Basic Weighted Avg Shares	13	13	15	15
Revenue per Share	11.23	12.69	13.11	15.69
EBITDA per Share	2.05	2.3	2.7	3.71
Operating Income per Share	1.45	1.62	1.3	1.6
Basic EPS, GAAP	- -	- -	0.19	0.53
Basic EPS from Cont Ops	1.77	1.92	1.94	2.76
Diluted EPS, GAAP	- -	- -	0.18	0.53
Diluted EPS from Cont Ops	1.77	1.92	1.91	2.73
Dividend per Share	1.56	2.54	0.63	1.06
Cash Flow per Share	1.96	2.29	2.74	3.59
Free Cash Flow per Basic Share	1.02	1.1	1.04	-0.59
Cash & Equivalents per Share	1.7	2.99	13.22	10.38
Book Value per Share	4.39	2.36	4.99	5.55
Tangible Book Value per Share	2.77	-0.41	0.06	-3.68