Saturday 17 October 2026
Export TWFG’s income statement to Excel — free account
TWFG, Inc.
TWFG Financial Insurance Brokers
TWFG, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $248.5 million, up 22.0% from fiscal 2024. In the quarter to June 2026, revenue grew 45.1%, EPS grew 38.5%, free cash flow grew 42.7% and total debt fell 39.1%, each against the same quarter a year earlier. Revenue growth for three consecutive years, operating cash flow growth for three; insiders bought in the last twelve months.
25.37
0.35
+1.40%
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| Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|
Piotroski F-Score |
— | — | 6 | 6 |
P/E ratio |
1.22 | 1.22 | 2.75 | 56.41 |
P/S ratio |
1.71 | 1.71 | 2.23 | 1.73 |
P/FCF ratio |
97.06 | 97.06 | 29.50 | 0.00 |
P/Operating CF |
44.31 | 44.31 | 39.22 | 32.29 |
P/B ratio |
4.86 | 4.86 | 1.65 | 1.44 |
Price to Tangible BV |
0.00 | 0.00 | 2.25 | 2.68 |
EV/Sales |
1.77 | 1.77 | 1.25 | 1.07 |
EV/EBITDA |
3.43 | 3.43 | 6.40 | 4.79 |
EV/Operating CF |
11.09 | 11.09 | 6.31 | 4.96 |
EV/FCF |
100.46 | 100.46 | 16.57 | (30.42) |
Quick Ratio |
17.84 | 29.35 | 125.64 | 107.86 |
Current Ratio |
17.84 | 29.35 | 125.64 | 107.86 |
Net Debt/EBITDA |
(0.71) | 0.10 | (4.99) | (2.96) |
Debt/Assets |
9.64% | 42.76% | 1.83% | 1.08% |
Debt/Equity |
0.19 | 1.59 | 0.02 | 0.01 |
Asset Turnover |
0.00 | 1.50 | 0.93 | 0.71 |
Operating CF/Net income |
1.25 | 1.16 | 14.75 | 6.72 |
Capex/Depreciation |
(2.98) | (3.22) | (2.08) | (3.39) |
Interest Coverage |
59.59 | 25.32 | 12.56 | 128.87 |
| 0.00% | 58.75% | 1.79% | 2.77% | |
| 0.00% | 22.73% | 1.25% | 2.29% | |
ROIC |
38.48% | 46.76% | 23.00% | 17.14% |
Return on Tangible Assets |
42.37% | 37.44% | 1.14% | 3.72% |
Average Days of Receivables |
48.96 | 53.17 | 62.53 | 65.79 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
14.26% | 14.50% | 22.44% | 24.01% |
Intangible Assets out of Total Assets |
0.19 | 0.32 | 0.23 | 0.37 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 1.09% | 1.84% |
Graham Net Nets |
(0.06) | (0.06) | 0.42 | 0.32 |
Graham Number |
0.00 | 0.00 | 68.52 | 15.16 |
Earnings Yield |
82.11% | 82.11% | 36.35% | 1.77% |
Free Cash Flow Yield |
1.03% | 1.03% | 3.39% | (2.03%) |
Revenue per Share |
243.47 | 272.22 | 13.79 | 16.66 |
Operating CF per Share |
40.75 | 47.71 | 2.74 | 3.59 |
Capex per Share |
(15.57) | (24.76) | (1.70) | (4.17) |
Free Cash Flow per Share |
25.19 | 22.95 | 1.04 | (0.58) |
Cash per Share |
47.88 | 73.53 | 13.90 | 11.26 |
Shareholders Equity per Share |
91.43 | 49.13 | 18.64 | 20.03 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
91.43 | 49.13 | 18.64 | 20.03 |
Free Cash Flow |
15.92 | 14.51 | 15.42 | (8.72) |
Working Capital |
48.05 | 69.10 | 238.32 | 210.72 |
Capital Expenditures |
(9.84) | (15.65) | (25.05) | (62.22) |
Net Current Asset Value |
(5.46) | (12.85) | 192.09 | 139.11 |
EV/EBIT |
3.70 | 3.70 | 9.15 | 7.17 |
Capex to Sales |
0.06 | 0.09 | 0.12 | 0.25 |
Price to Operating Income |
3.57 | 3.57 | 16.29 | 11.60 |
| Other line items | ||||
Depreciation/Fixed assets |
5.46 | 8.14 | 3.44 | 5.55 |
Cash ROIC |
16.07% | 11.43% | 3.17% | (1.85%) |
Accounts Receivable Turnover |
0.00 | 7.53 | 6.80 | 6.24 |
Accounts Payable Turnover |
0.00 | 131.51 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
0.73 | 0.00 | 0.00 | 0.00 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
— | 22.85 | 29.99 | 39.85 |
Average Payables |
— | 0.89 | — | — |
Average Assets |
— | 114.80 | 219.43 | 347.88 |
Average Common Equity |
— | 44.42 | 153.17 | 287.02 |
Columns are period end dates