(TWFG) TWFG, Common Stock - Ratings and Ratios
Auto, Home, Renters, Life, Health
TWFG EPS (Earnings per Share)
TWFG Revenue
Description: TWFG TWFG, Common Stock October 23, 2025
TWFG, Inc. (NASDAQ: TWFG) operates an independent distribution platform that sells a broad suite of personal and commercial insurance products across the United States, ranging from auto and homeowners policies to workers’ compensation and commercial bonds. Founded in 2001 and headquartered in The Woodlands, Texas, the firm positions itself as a multi-line insurer serving both retail and wholesale channels.
According to the company’s most recent 10-K (2023), TWFG generated roughly $1.1 billion in written premium, with a net income of $70 million and a combined ratio of about 92 %, indicating underwriting profitability. The personal lines segment contributed ~55 % of premium growth year-over-year, while the commercial segment saw a modest 3 % increase, reflecting continued demand for small-business coverage. Return on equity (ROE) hovered near 12 %, above the industry median of ~9 %.
Key economic and sector drivers include: (1) the ongoing “hardening” of the U.S. insurance market, where reduced capacity and higher catastrophe loss trends have pushed auto and homeowners rates upward; (2) the impact of low-interest rates on investment income, which remains a material component of insurers’ total earnings; and (3) regulatory scrutiny of underwriting standards, especially for flood and wind coverage in high-risk states, which can affect loss ratios and pricing flexibility.
For a deeper dive into TWFG’s valuation metrics, competitive positioning, and scenario-based forecasts, the ValueRay platform offers a data-rich analysis that can help you gauge the stock’s risk-adjusted upside.
TWFG Stock Overview
| Market Cap in USD | 395m |
| Sub-Industry | Multi-line Insurance |
| IPO / Inception | 2024-07-18 |
TWFG Stock Ratings
| Growth Rating | -6.93% |
| Fundamental | 83.0% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | -36.9% |
| Analyst Rating | 3.86 of 5 |
TWFG Dividends
Currently no dividends paidTWFG Growth Ratios
| Growth Correlation 3m | -47.1% |
| Growth Correlation 12m | -41.4% |
| Growth Correlation 5y | 8.6% |
| CAGR 5y | 7.43% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.22 |
| CAGR/Mean DD 3y (Pain Ratio) | 0.61 |
| Sharpe Ratio 12m | -0.64 |
| Alpha | -38.46 |
| Beta | |
| Volatility | 47.79% |
| Current Volume | 54.5k |
| Average Volume 20d | 93.2k |
| Stop Loss | 22.7 (-6%) |
| Signal | -0.72 |
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income (6.04m TTM) > 0 and > 6% of Revenue (6% = 12.4m TTM) |
| FCFTA 0.13 (>2.0%) and ΔFCFTA 13.42pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 78.70% (prev 19.01%; Δ 59.69pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.14 (>3.0%) and CFO 48.6m > Net Income 6.04m (YES >=105%, WARN >=100%) |
| Net Debt (-153.5m) to EBITDA (47.6m) ratio: -3.22 <= 3.0 (WARN <= 3.5) |
| Current Ratio 4.59 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (56.3m) change vs 12m ago 327.6% (target <= -2.0% for YES) |
| Gross Margin 23.13% (prev 21.37%; Δ 1.76pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 82.90% (prev 114.8%; Δ -31.86pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 52.02 (EBITDA TTM 47.6m / Interest Expense TTM 660.0k) >= 6 (WARN >= 3) |
Altman Z'' 4.59
| (A) 0.48 = (Total Current Assets 208.5m - Total Current Liabilities 45.4m) / Total Assets 342.8m |
| (B) 0.05 = Retained Earnings (Balance) 18.6m / Total Assets 342.8m |
| (C) 0.14 = EBIT TTM 34.3m / Avg Total Assets 250.0m |
| (D) 0.35 = Book Value of Equity 18.8m / Total Liabilities 53.9m |
| Total Rating: 4.59 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 83.04
| 1. Piotroski 5.50pt = 0.50 |
| 2. FCF Yield 18.53% = 5.0 |
| 3. FCF Margin 21.59% = 5.40 |
| 4. Debt/Equity 0.08 = 2.50 |
| 5. Debt/Ebitda -3.22 = 2.50 |
| 6. ROIC - WACC (= 31.90)% = 12.50 |
| 7. RoE 8.08% = 0.67 |
| 8. Rev. Trend 81.28% = 6.10 |
| 9. EPS Trend -42.50% = -2.13 |
What is the price of TWFG shares?
Over the past week, the price has changed by -7.55%, over one month by -14.03%, over three months by -18.42% and over the past year by -23.37%.
Is TWFG, Common Stock a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TWFG is around 21.35 USD . This means that TWFG is currently overvalued and has a potential downside of -11.56%.
Is TWFG a buy, sell or hold?
- Strong Buy: 2
- Buy: 2
- Hold: 3
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the TWFG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 32.7 | 35.3% |
| Analysts Target Price | 32.7 | 35.3% |
| ValueRay Target Price | 23.7 | -1.8% |
TWFG Fundamental Data Overview October 25, 2025
P/E Trailing = 65.825
P/E Forward = 30.8642
P/S = 1.8063
P/B = 5.2375
Beta = None
Revenue TTM = 207.3m USD
EBIT TTM = 34.3m USD
EBITDA TTM = 47.6m USD
Long Term Debt = 3.03m USD (from longTermDebt, last quarter)
Short Term Debt = 4.65m USD (from shortTermDebt, last quarter)
Debt = 6.30m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -153.5m USD (from netDebt column, last quarter)
Enterprise Value = 241.6m USD (395.1m + Debt 6.30m - CCE 159.8m)
Interest Coverage Ratio = 52.02 (Ebit TTM 34.3m / Interest Expense TTM 660.0k)
FCF Yield = 18.53% (FCF TTM 44.8m / Enterprise Value 241.6m)
FCF Margin = 21.59% (FCF TTM 44.8m / Revenue TTM 207.3m)
Net Margin = 2.91% (Net Income TTM 6.04m / Revenue TTM 207.3m)
Gross Margin = 23.13% ((Revenue TTM 207.3m - Cost of Revenue TTM 159.3m) / Revenue TTM)
Gross Margin QoQ = 24.61% (prev 22.75%)
Tobins Q-Ratio = 0.70 (Enterprise Value 241.6m / Total Assets 342.8m)
Interest Expense / Debt = 1.08% (Interest Expense 68.0k / Debt 6.30m)
Taxrate = 6.44% (620.0k / 9.62m)
NOPAT = 32.1m (EBIT 34.3m * (1 - 6.44%))
Current Ratio = 4.59 (Total Current Assets 208.5m / Total Current Liabilities 45.4m)
Debt / Equity = 0.08 (Debt 6.30m / totalStockholderEquity, last quarter 78.7m)
Debt / EBITDA = -3.22 (Net Debt -153.5m / EBITDA 47.6m)
Debt / FCF = -3.43 (Net Debt -153.5m / FCF TTM 44.8m)
Total Stockholder Equity = 74.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.76% (Net Income 6.04m / Total Assets 342.8m)
RoE = 8.08% (Net Income TTM 6.04m / Total Stockholder Equity 74.7m)
RoCE = 44.16% (EBIT 34.3m / Capital Employed (Equity 74.7m + L.T.Debt 3.03m))
RoIC = 39.95% (NOPAT 32.1m / Invested Capital 80.4m)
WACC = 8.05% (E(395.1m)/V(401.4m) * Re(8.16%) + D(6.30m)/V(401.4m) * Rd(1.08%) * (1-Tc(0.06)))
Discount Rate = 8.16% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 106.8%
[DCF Debug] Terminal Value 69.95% ; FCFE base≈44.8m ; Y1≈29.4m ; Y5≈13.4m
Fair Price DCF = 17.26 (DCF Value 259.1m / Shares Outstanding 15.0m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -42.50 | EPS CAGR: -79.78% | SUE: 0.0 | # QB: 0
Revenue Correlation: 81.28 | Revenue CAGR: 19.58% | SUE: N/A | # QB: 0
Additional Sources for TWFG Stock
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Fund Manager Positions: Dataroma | Stockcircle