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TWFG, Inc.

TWFG

$29.10 ▲ +0.56 (+1.96%) at close

13 Visible periods

29 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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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.

Market Cap $430.5M

Dividend Yield —

Revenue Growth 35.3% →

Op. Margin 17.0% ↘

ROIC None

FCF / Share None

Trailing P/E 242.5x

Price / Book 6.2x

FCF Yield —

Debt / Equity 0.02

info Valuation on last close. End-of-day price, Aug 7, 2026.

13-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$72.84M

↑ +35.3% —

Net Income Profit after all expenses

$1.76M

↑ +31.3% —

Operating Margin Operating profit as % of sales

17.0%

↓ -19.8% 67th

Long-Term Debt Long-term obligations

$1.53M

↓ -24.7% —

trending_up

Bullish 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

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability →

Returns

Financial Health ↓

Financial view

Statement lens

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Cadence

Annual Quarterly

Range

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📈 Is growth accelerating? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Revenue Growth YoY (%)	35.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+489%)	35.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+496%)	17.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+189%)	13.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+120%)	16.6% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+177%)	32.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+439%)	14.5% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+142%)	17.4% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+190%)	—	—	—	—	—
EPS Growth YoY (%)	33.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	72.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	37.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-98.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	-6.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—
Net Income Growth YoY (%)	31.3% Excellent ↑ Excellent Improving Year-over-year change in net income	—	49.2% Excellent Excellent Year-over-year change in net income	-70.5% Weak Weak Year-over-year change in net income	—	N/M	-81.4% Weak Weak Year-over-year change in net income	6.8% Fair Fair Year-over-year change in net income	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Operating Margin (%) (%)	17.0% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	21.1% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	14.1% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	12.2% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	10.6% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	13.8% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	14.2% Fair → Fair Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	14.6% Fair → Fair Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	15.8% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	12.2% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	16.6% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	16.0% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	—
Effective Tax Rate (%) (%)	8.0% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	9.2% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.7% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.5% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.0% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	0.0% Excellent → Excellent Stable 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 (%) (%)	2.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-89%)	—	2.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-88%)	3.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	2.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-89%)	3.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-86%)	2.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)	12.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	0.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-100%)	-53.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-343%)	13.0% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	13.7% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	3.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	4.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	4.9% Caution Caution Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—
Return on Common Equity (%) (%)	2.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	—	2.2% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	2.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	2.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	1.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	—	—	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q4 FY2022 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%)	0.02x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.10x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	0.11x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	0.12x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.05x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-95%)	0.14x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Revenue per Share (USD)	$4.92	—	$4.27	$4.05	$3.61	—	$3.71	$80.77	—	—	—	$71.83	—
Basic EPS, GAAP (USD)	$0.12	$0.19	$0.11	$0.13	$0.09	$0.11	$0.08	$10.49	—	—	—	$11.19	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$4.68	—	$5.29	$5.28	$5.05	—	$4.83	—	—	—	—	—	—
Tangible Book Value per Share (USD)	$4.68	—	$5.29	$5.28	$5.05	—	$4.83	—	—	—	—	—	—
Basic Weighted Avg Shares (shares)	14.79M	—	15.01M	14.90M	14.89M	—	14.72M	659,439	—	—	—	631,750	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$1.53M	$2.04M	$5.76M	$6.39M	$7.02M	$4.01M	$7.82M	$49.63M	—	—	—	—	—
Total Equity (USD)	$69.18M	$83.38M	$79.36M	$78.67M	$75.21M	$73.88M	$71.09M	—	—	—	—	—	—

📋 What is driving earnings? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Sales/Revenue/Turnover (USD)	$72.84M	$70.26M	$64.12M	$60.31M	$53.82M	$51.74M	$54.64M	$53.27M	$46.14M	$39.10M	$47.71M	$45.38M	—
Depreciation Expense (USD)	$6.17M	$5.77M	$5.33M	$3.90M	$3.36M	$3.05M	—	—	$3.01M	$1.52M	$1.15M	—	—
Net Income, GAAP (USD)	$1.76M	—	$1.72M	$1.96M	$1.34M	$1.59M	$1.15M	$6.63M	$0.00	$-20.88M	$6.21M	$6.21M	—
Operating Cash Flow (USD)	$22.72M	$13.29M	$14.95M	$9.62M	$15.64M	$11.60M	—	—	$9.75M	$6.05M	$7.39M	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 4 years · 13 quarters

TWFG, Inc.

Analytical Summary

13-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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