TWFG, Inc.

As of June 30, 2026, TWFG, Inc. carries a market capitalization of 307.77M, placing it among publicly traded companies globally. Its enterprise value stands at 482.54M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

TWFG, Inc.'s next confirmed earnings release is scheduled for November 18, 2026.

As of June 30, 2026, TWFG, Inc. has 12.80M shares outstanding.

As of June 30, 2026, TWFG, Inc. trades at a trailing price-to-earnings ratio of 39.59. The price-to-sales ratio is 1.25, and the price-to-book ratio stands at 6.67.

As of June 30, 2026, TWFG, Inc. trades at an EV/EBITDA multiple of 6.17 - the valuation measure that neutralizes differences in capital structure, tax rates, and depreciation policy, making it the standard yardstick for comparing companies across an industry. The EV/Sales ratio of 1.73 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. Its EV/EBIT multiple of 8.96 values the business against core operating earnings after depreciation, a stricter test than EV/EBITDA for capital-intensive businesses. These enterprise value multiples are built on an enterprise value of 482.54M versus a market cap of 307.77M, with the gap driven by net debt and cash on the balance sheet.

As of June 30, 2026, TWFG, Inc. maintains a current ratio of 2.56, meaning it holds 2.6x the short-term assets needed to cover near-term liabilities. The debt-to-equity ratio is 2.66, indicating elevated leverage, while an interest coverage ratio of 306.50 demonstrates strong ability to service its debt obligations.

Over the twelve months ended June 30, 2026, TWFG, Inc. posted a return on equity (ROE) of 14.09, showing how much profit the company earns on every dollar of shareholder capital. Return on invested capital (ROIC) comes in at 16.86 - the clearest signal of whether the business earns more on its capital than that capital costs, and the core measure of a durable competitive advantage. Return on assets (ROA) stands at 2.51, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is negative at -12.75, pointing to unprofitable operations over the period. The company generates approximately 748,774.28 in revenue per employee across its workforce of 373.25, a quick read on workforce productivity versus industry peers.

Over the twelve months ended June 30, 2026, TWFG, Inc. recorded 4.17M in income tax expense. That works out to an effective tax rate of 6.97, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items. Taxes are levied on pretax income of 59.81M, leaving 8.80M in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

As of the close on October 27, 2026, TWFG, Inc.'s stock has gained approximately 4.37% over the past 52 weeks. The 50-day moving average sits at 26.77, while the 200-day moving average is 23.10.

Over the twelve months ended June 30, 2026, TWFG, Inc. generated 279.48M in revenue and converted that into 8.80M in net income, yielding earnings per share of 2.24. EBITDA reached 78.16M, while operating income came in at 40.31M.

As of June 30, 2026, TWFG, Inc. holds 73.75M in cash and equivalents against 7.64M in total debt, resulting in a net debt position of -70.72M. Total book value stands at 46.15M, with working capital of 103.95M providing operational flexibility.

TWFG, Inc. produced 60.78M in operating cash flow over the twelve months ended June 30, 2026. After subtracting -69.01M in capital expenditures, free cash flow totaled -8.24M - equivalent to -0.57 per share.

Over the twelve months ended June 30, 2026, TWFG, Inc. posted a gross margin of 32.48, reflecting its pricing power and cost economics. The operating margin of 14.42 and net profit margin of 3.15 provide insight into operational efficiency.

Over the twelve months ended June 30, 2026, TWFG, Inc. paid dividends of 1.46 per share. The dividend payout ratio of 20.65 indicates the proportion of earnings distributed to shareholders, a key gauge of how sustainable the dividend is and how much room remains for future dividend growth. Free cash flow yield is negative at -1.38: the business is consuming cash rather than generating it, so any dividend is not covered by free cash flow. Total shareholder yield reaches 20.15, combining dividends paid with share buybacks and debt reduction for a fuller picture of capital returned to TWFG, Inc. shareholders.

As of June 30, 2026, TWFG, Inc. has an Altman Z-Score of 5.79, well above the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.