(TWFG) TWFG, Common Stock - NASDAQ
Sector: Financial Services | Industry: Insurance Brokers | Exchange: NASDAQ (USA) | Market Cap: 275m USD | Total Return: -38.5% in 12m
Avg Turnover: 4.89M
Qual. Beats: 0
Rev. Trend: 99.8%
Qual. Beats: 1
Warnings
Share dilution 273.9% YoY
Tailwinds
No distinct edge detected
TWFG, Inc. is a Texas-based independent distribution platform providing a broad range of personal and commercial insurance products across the United States. Its portfolio includes standard personal lines such as auto and home, alongside specialized commercial coverages including workers compensation and professional liability.
Operating within the multi-line insurance sector, the company functions as an intermediary between carriers and policyholders rather than underwriting the risk itself. This agency-based business model typically generates revenue through commissions and policy fees, benefiting from a diversified product suite that mitigates exposure to specific sector downturns.
To better understand the companys valuation and growth metrics, you may want to examine the detailed data available on ValueRay.
- Organic policy growth across personal and commercial lines drives commission revenue
- Expansion of independent agent network increases distribution capacity and market share
- Rising property and casualty premiums enhance profit margins on policy renewals
- Operational scalability of the proprietary distribution platform reduces long-term overhead costs
- Federal interest rate shifts impact investment income on fiduciary cash balances
| Net Income: 8.38m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.12 > 0.02 and ΔFCF/TA 0.17 > 1.0 |
| NWC/Revenue: 77.72% < 20% (prev 98.91%; Δ -21.19% < -1%) |
| CFO/TA 0.16 > 3% & CFO 60.6m > Net Income 8.38m |
| Net Debt (-65.1m) to EBITDA (72.6m): -0.90 < 3 |
| Current Ratio: 62.74 > 1.5 & < 3 |
| Outstanding Shares: last quarter (56.3m) vs 12m ago 273.9% < -2% |
| Gross Margin: 29.21% > 18% (prev 23.05%; Δ 6.16% > 0.5%) |
| Asset Turnover: 72.68% > 50% (prev 60.73%; Δ 11.95% > 0%) |
| Interest Coverage Ratio: 193.3 > 6 (EBIT TTM 51.4m / Interest Expense TTM 266k) |
| A: 0.53 (Total Current Assets 201.4m - Total Current Liabilities 3.21m) / Total Assets 371.2m |
| B: 0.07 (Retained Earnings 25.0m / Total Assets 371.2m) |
| C: 0.15 (EBIT TTM 51.4m / Avg Total Assets 350.9m) |
| D: 1.07 (Book Value of Equity 69.2m / Total Liabilities 64.7m) |
| Altman-Z'' = 5.83 = AAA |
| DSRI: 0.91 (Receivables 36.5m/31.6m, Revenue 255.0m/200.7m) |
| GMI: 0.79 (GM 23.05% / 29.21%) |
| AQI: 1.77 (AQ_t 0.44 / AQ_t-1 0.25) |
| SGI: 1.27 (Revenue 255.0m / 200.7m) |
| TATA: -0.14 (NI 8.38m - CFO 60.6m) / TA 371.2m) |
| Beneish M = -2.65 (Cap -4..+1) = A |
As of June 20, 2026, the stock is trading at USD 21.67 with a total of 247,000 shares traded.
Over the past week, the price has changed by +2.27%,
over one month by +15.02%,
over three months by +18.94% and
over the past year by -38.52%.
TWFG, Common Stock has received a consensus analysts rating of 3.86. Therefore, it is recommended to buy TWFG.
- StrongBuy: 2
- Buy: 2
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 23.6 | 8.8% |
P/E Trailing = 37.75
P/E Forward = 20.7469
P/S = 1.027
P/B = 3.9715
Revenue TTM = 255.0m USD
EBIT TTM = 51.4m USD
EBITDA TTM = 72.6m USD
Long Term Debt = 1.53m USD (from longTermDebt, last quarter)
Short Term Debt = 3.21m USD (from shortTermDebt, last quarter)
Debt = 11.6m USD (from shortLongTermDebtTotal, last quarter) + Leases 4.04m
Net Debt = -65.1m USD (calculated: Debt 11.6m - CCE 76.7m)
Enterprise Value = 209.6m USD (274.8m + Debt 11.6m - CCE 76.7m)
Interest Coverage Ratio = 193.3 (Ebit TTM 51.4m / Interest Expense TTM 266k)
EV/FCF = 4.54x (Enterprise Value 209.6m / FCF TTM 46.1m)
FCF Yield = 22.01% (FCF TTM 46.1m / Enterprise Value 209.6m)
FCF Margin = 18.10% (FCF TTM 46.1m / Revenue TTM 255.0m)
Net Margin = 3.29% (Net Income TTM 8.38m / Revenue TTM 255.0m)
Gross Margin = 29.21% ((Revenue TTM 255.0m - Cost of Revenue TTM 180.5m) / Revenue TTM)
Gross Margin QoQ = 32.22% (prev 31.35%)
Tobins Q-Ratio = 0.56 (Enterprise Value 209.6m / Total Assets 371.2m)
Interest Expense / Debt = 2.29% (Interest Expense 266k / Debt 11.6m)
Taxrate = 7.34% (3.76m / 51.1m)
NOPAT = 47.6m (EBIT 51.4m * (1 - 7.34%))
Current Ratio = 8.54 (Total Current Assets 201.4m / Total Current Liabilities 23.6m)
Debt / Equity = 0.17 (Debt 11.6m / totalStockholderEquity, last quarter 69.2m)
Debt / EBITDA = -0.90 (Net Debt -65.1m / EBITDA 72.6m)
Debt / FCF = -1.41 (Net Debt -65.1m / FCF TTM 46.1m)
Total Stockholder Equity = 77.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.39% (Net Income 8.38m / Total Assets 371.2m)
RoE = 10.80% (Net Income TTM 8.38m / Total Stockholder Equity 77.6m)
RoCE = 64.99% (EBIT 51.4m / Capital Employed (Equity 77.6m + L.T.Debt 1.53m))
RoIC = 13.29% (NOPAT 47.6m / Invested Capital 358.4m)
WACC = 5.38% (E(274.8m)/V(286.4m) * Re(5.52%) + D(11.6m)/V(286.4m) * Rd(2.29%) * (1-Tc(0.07)))
Discount Rate = 5.52% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 90.80 | Cagr: 90.76%
[DCF] Terminal Value 77.80% ; FCFF base≈43.9m ; Y1≈49.8m ; Y5≈71.6m
[DCF] Fair Price = 88.10 (EV 1.08b - Net Debt -65.1m = Equity 1.15b / Shares 13.0m; r=8.35% [WACC [floored]]; 5y FCF grow 13.89% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.02 | # QB: 0
Revenue Correlation: 99.76 | Revenue CAGR: 18.37% | SUE: 2.22 | # QB: 1
EPS current Quarter (2026-06-30): EPS=0.25 | Chg30d=+5.40% | Revisions=+20% | Analysts=7
EPS next Quarter (2026-09-30): EPS=0.24 | Chg30d=-1.28% | Revisions=-60% | Analysts=7
EPS current Year (2026-12-31): EPS=1.01 | Chg30d=-1.14% | Revisions=+45% | GrowthEPS=+14.6% | GrowthRev=+21.0%
EPS next Year (2027-12-31): EPS=1.11 | Chg30d=+2.30% | Revisions=+56% | GrowthEPS=+9.7% | GrowthRev=+15.8%
[Analyst] Revisions Ratio: -60%