TWFG, Inc.
TWFG
Analytical Summary
TWFG, Inc. shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.
4-Year Financial Trajectory
AnnualBullish Indicators
- Debt to EquityDebt to Equity is in the top quartile (lower is better)
- Profit Margin (%)Profit Margin (%) is in the top quartile
- Return on Common Equity (%)Return on Common Equity (%) is in the top quartile
Bearish Risks
- No bearish risks detected.
Health Breakdown
Statement lens
Choose the reporting cadence, isolate a period range, or search directly for a metric.
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ |
|---|---|---|---|---|
| Revenue Growth YoY (%) |
22.0%
Excellent
↑
Excellent
Improving
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+266%)
|
18.4%
Good
Good
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+207%)
|
11.8%
Good
Good
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+97%)
|
— |
| EPS Growth YoY (%) |
178.9%
Excellent
Excellent
Year-over-year change in earnings per share
Optimal:
> 10%
|
— | — | — |
| Net Income Growth YoY (%) |
1399.7%
Excellent
Excellent
Year-over-year change in net income |
— | — | — |
| FCF Growth YoY (%) N/A | N/A | N/A | N/A | N/A |
| Revenue CAGR 3Y (%) |
17.3%
Excellent
Excellent
Compound annual revenue growth over 3 years |
— | — | — |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ |
|---|---|---|---|---|
| Operating Margin (%) (%) |
14.9%
Fair
→
Fair
Stable
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-40%)
|
13.7%
Fair
↓
Fair
Declining
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-45%)
|
14.8%
Fair
Fair
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-41%)
|
15.4%
Fair
Fair
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-38%)
|
| Effective Tax Rate (%) (%) |
7.4%
Excellent
↑
Excellent
Improving
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
5.0%
Excellent
↑
Excellent
Improving
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
0.0%
Excellent
Excellent
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
0.0%
Excellent
Excellent
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
| Profit Margin (%) (%) |
16.6%
Good
↑
Good
Improving
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-25%)
|
1.3%
Weak
↑
Weak
Improving
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-94%)
|
0.0%
Weak
Weak
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-100%)
|
0.0%
Weak
Weak
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-100%)
|
| FCF Margin (%) (%) N/A | N/A | N/A | N/A | N/A |
| FCF / Net Income (x) N/A | N/A | N/A | N/A | N/A |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ |
|---|---|---|---|---|
| Return on Invested Capital (%) N/A | N/A | N/A | N/A | N/A |
| Return on Capital (%) (%) |
9.9%
Fair
↓
Fair
Declining
Operating profit relative to total assets
Optimal:
> 10%
|
8.6%
Fair
Fair
Operating profit relative to total assets
Optimal:
> 10%
|
22.0%
Excellent
Excellent
Operating profit relative to total assets
Optimal:
> 10%
|
— |
| Return on Common Equity (%) (%) |
49.4%
Excellent
↑
Excellent
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Above avg (+311%)
|
3.7%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-69%)
|
0.0%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-100%)
|
— |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ |
|---|---|---|---|---|
| Debt to Equity (x) |
0.02x
Excellent
↓
Excellent
Declining
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Below avg (-98%)
|
0.13x
Excellent
Excellent
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Below avg (-89%)
|
1.62x
Weak
Weak
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Above avg (+35%)
|
— |
| Interest Coverage (x) N/A | N/A | N/A | N/A | N/A |
| Net Debt (USD) N/A | N/A | N/A | N/A | N/A |
| Debt / EBITDA (x) N/A | N/A | N/A | N/A | N/A |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ |
|---|---|---|---|---|
| Sales/Revenue/Turnover (USD) | $248.51M | $203.76M | $172.04M | $153.88M |
| Depreciation Expense (USD) | $18.35M | $12.02M | $4.86M | $3.30M |
| Net Income, GAAP (USD) | $41.17M | $2.75M | $0.00 | $0.00 |
| Operating Cash Flow (USD) | $53.50M | $40.48M | $30.15M | $25.75M |
Secondary lens
Benchmark Lens
Compare TWFG against peers after checking the statement evidence.
Open lens
Benchmark Lens
Compare TWFG against peers after checking the statement evidence.
Signals
Key bullish and bearish indicators for TWFG
Debt to Equity is in the top quartile (lower is better)
Profit Margin (%) is in the top quartile
Return on Common Equity (%) is in the top quartile
No bearish signals detected
Percentile Rankings
How TWFG compares to all companies
Peer Comparison
TWFG vs similar peers
Compare TWFG with peers
Stack TWFG against similar companies across every metric on this page.
north_east Open comparisonbar_chart Data from SEC EDGAR XBRL filings
Synced 1 week ago 4 years · 13 quarters