(TWFG) TWFG, Common Stock - Ratings and Ratios
Personal Insurance, Commercial Insurance, Bonds, Benefits
TWFG EPS (Earnings per Share)
TWFG Revenue
Description: TWFG TWFG, Common Stock
TWFG, Inc. is a leading independent insurance distribution platform in the United States, offering a diverse range of personal and commercial insurance products to individuals and businesses. The companys extensive portfolio includes various insurance types, such as auto, home, life, health, and commercial liability, as well as specialized products like flood, wind, and luxury item insurance. With a strong presence in the US market, TWFG, Inc. has established itself as a significant player in the insurance industry.
From a business perspective, TWFG, Inc. has demonstrated its ability to provide a wide range of insurance products to its customers, leveraging its distribution platform to meet the diverse needs of individuals and businesses. The companys business model is likely to benefit from the growing demand for insurance products, driven by increasing awareness of risk management and the need for financial protection. As a subsidiary of Bunch Family Holdings, LLC, TWFG, Inc. has a stable ownership structure, allowing it to focus on its core business operations.
Analyzing the
Using the
Overall, TWFG, Inc. is a well-established player in the insurance industry, with a strong business model and a diverse range of insurance products. While the stocks current price is around $34.61, our forecast suggests that it may continue to grow in the near future, driven by the companys underlying fundamentals and market trends.
TWFG Stock Overview
Market Cap in USD | 394m |
Sub-Industry | Multi-line Insurance |
IPO / Inception | 2024-07-18 |
TWFG Stock Ratings
Growth Rating | 25.0% |
Fundamental | 85.9% |
Dividend Rating | - |
Return 12m vs S&P 500 | -22.6% |
Analyst Rating | 3.86 of 5 |
TWFG Dividends
Currently no dividends paidTWFG Growth Ratios
Growth Correlation 3m | -95.6% |
Growth Correlation 12m | 8.2% |
Growth Correlation 5y | 35.6% |
CAGR 5y | 11.89% |
CAGR/Max DD 3y | 0.35 |
CAGR/Mean DD 3y | 1.19 |
Sharpe Ratio 12m | -0.10 |
Alpha | 0.04 |
Beta | 0.821 |
Volatility | 46.34% |
Current Volume | 134.8k |
Average Volume 20d | 118.6k |
Stop Loss | 23.8 (-5.1%) |
Signal | 0.03 |
Piotroski VR‑10 (Strict, 0-10) 6.5
Net Income (18.6m TTM) > 0 and > 6% of Revenue (6% = 12.4m TTM) |
FCFTA 0.13 (>2.0%) and ΔFCFTA 3.83pp (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 18.6m (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 54.96% (prev 21.37%; Δ 33.58pp) >=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 52.01 (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) 85.89
1. Piotroski 6.50pt = 1.50 |
2. FCF Yield 18.51% = 5.0 |
3. FCF Margin 21.59% = 5.40 |
4. Debt/Equity 0.10 = 2.50 |
5. Debt/Ebitda 0.16 = 2.48 |
6. ROIC - WACC (= 31.70)% = 12.50 |
7. RoE 24.89% = 2.07 |
8. Rev. Trend 81.28% = 6.10 |
9. EPS Trend -33.02% = -1.65 |
What is the price of TWFG shares?
Over the past week, the price has changed by +4.02%, over one month by -10.05%, over three months by -26.61% and over the past year by -8.30%.
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 19.92 USD . This means that TWFG is currently overvalued and has a potential downside of -20.54%.
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 | 34.5 | 37.6% |
Analysts Target Price | 34.5 | 37.6% |
ValueRay Target Price | 22.3 | -11.1% |
Last update: 2025-09-10 04:49
TWFG Fundamental Data Overview
CCE Cash And Equivalents = 159.8m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 65.625
P/E Forward = 29.4985
P/S = 1.8008
P/B = 5.0105
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 = 7.68m USD (Calculated: Short Term 4.65m + Long Term 3.03m)
Net Debt = -153.5m USD (from netDebt column, last quarter)
Enterprise Value = 241.7m USD (393.9m + Debt 7.68m - CCE 159.8m)
Interest Coverage Ratio = 52.01 (Ebit TTM 34.3m / Interest Expense TTM 660.0k)
FCF Yield = 18.51% (FCF TTM 44.8m / Enterprise Value 241.7m)
FCF Margin = 21.59% (FCF TTM 44.8m / Revenue TTM 207.3m)
Net Margin = 8.97% (Net Income TTM 18.6m / Revenue TTM 207.3m)
Gross Margin = 54.96% ((Revenue TTM 207.3m - Cost of Revenue TTM 93.4m) / Revenue TTM)
Tobins Q-Ratio = 12.87 (Enterprise Value 241.7m / Book Value Of Equity 18.8m)
Interest Expense / Debt = 0.89% (Interest Expense 68.0k / Debt 7.68m)
Taxrate = 4.97% (1.50m / 30.1m)
NOPAT = 32.6m (EBIT 34.3m * (1 - 4.97%))
Current Ratio = 4.59 (Total Current Assets 208.5m / Total Current Liabilities 45.4m)
Debt / Equity = 0.10 (Debt 7.68m / last Quarter total Stockholder Equity 78.7m)
Debt / EBITDA = 0.16 (Net Debt -153.5m / EBITDA 47.6m)
Debt / FCF = 0.17 (Debt 7.68m / FCF TTM 44.8m)
Total Stockholder Equity = 74.7m (last 4 quarters mean)
RoA = 5.42% (Net Income 18.6m, Total Assets 342.8m )
RoE = 24.89% (Net Income TTM 18.6m / Total Stockholder Equity 74.7m)
RoCE = 44.16% (Ebit 34.3m / (Equity 74.7m + L.T.Debt 3.03m))
RoIC = 40.58% (NOPAT 32.6m / Invested Capital 80.4m)
WACC = 8.88% (E(393.9m)/V(401.6m) * Re(9.04%)) + (D(7.68m)/V(401.6m) * Rd(0.89%) * (1-Tc(0.05)))
Shares Correlation 3-Years: 9.67 | Cagr: -23.56%
Discount Rate = 9.04% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 66.08% ; FCFE base≈32.7m ; Y1≈21.4m ; Y5≈9.81m
Fair Price DCF = 10.94 (DCF Value 164.2m / Shares Outstanding 15.0m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -33.02 | EPS CAGR: 16.24% | SUE: 0.00 | # QB: 0
Revenue Correlation: 81.28 | Revenue CAGR: 19.58% | SUE: N/A | # QB: 0
Additional Sources for TWFG Stock
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