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 '25 | Dec '24 | Dec '23 | Dec '22 | |
|---|---|---|---|---|
Piotroski F-Score |
6 | 6 | — | — |
P/E ratio |
56.41 | 2.75 | 1.22 | 1.22 |
P/S ratio |
1.73 | 2.23 | 1.71 | 1.71 |
P/FCF ratio |
0.00 | 29.50 | 97.06 | 97.06 |
P/Operating CF |
32.29 | 39.22 | 44.31 | 44.31 |
P/B ratio |
1.44 | 1.65 | 4.86 | 4.86 |
Price to Tangible BV |
2.68 | 2.25 | 0.00 | 0.00 |
EV/Sales |
1.07 | 1.25 | 1.77 | 1.77 |
EV/EBITDA |
4.79 | 6.40 | 3.43 | 3.43 |
EV/Operating CF |
4.96 | 6.31 | 11.09 | 11.09 |
EV/FCF |
(30.42) | 16.57 | 100.46 | 100.46 |
Quick Ratio |
107.86 | 125.64 | 29.35 | 17.84 |
Current Ratio |
107.86 | 125.64 | 29.35 | 17.84 |
Net Debt/EBITDA |
(2.96) | (4.99) | 0.10 | (0.71) |
Debt/Assets |
1.08% | 1.83% | 42.76% | 9.64% |
Debt/Equity |
0.01 | 0.02 | 1.59 | 0.19 |
Asset Turnover |
0.71 | 0.93 | 1.50 | 0.00 |
Operating CF/Net income |
6.72 | 14.75 | 1.16 | 1.25 |
Capex/Depreciation |
(3.39) | (2.08) | (3.22) | (2.98) |
Interest Coverage |
128.87 | 12.56 | 25.32 | 59.59 |
| 2.77% | 1.79% | 58.75% | 0.00% | |
| 2.29% | 1.25% | 22.73% | 0.00% | |
ROIC |
17.14% | 23.00% | 46.76% | 38.48% |
Return on Tangible Assets |
3.72% | 1.14% | 37.44% | 42.37% |
Average Days of Receivables |
65.79 | 62.53 | 53.17 | 48.96 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
24.01% | 22.44% | 14.50% | 14.26% |
Intangible Assets out of Total Assets |
0.37 | 0.23 | 0.32 | 0.19 |
Share Based Compensation of Revenue |
1.84% | 1.09% | 0.00% | 0.00% |
Graham Net Nets |
0.32 | 0.42 | (0.06) | (0.06) |
Graham Number |
15.16 | 68.52 | 0.00 | 0.00 |
Earnings Yield |
1.77% | 36.35% | 82.11% | 82.11% |
Free Cash Flow Yield |
(2.03%) | 3.39% | 1.03% | 1.03% |
Revenue per Share |
16.66 | 13.79 | 272.22 | 243.47 |
Operating CF per Share |
3.59 | 2.74 | 47.71 | 40.75 |
Capex per Share |
(4.17) | (1.70) | (24.76) | (15.57) |
Free Cash Flow per Share |
(0.58) | 1.04 | 22.95 | 25.19 |
Cash per Share |
11.26 | 13.90 | 73.53 | 47.88 |
Shareholders Equity per Share |
20.03 | 18.64 | 49.13 | 91.43 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
20.03 | 18.64 | 49.13 | 91.43 |
Free Cash Flow |
(8.72) | 15.42 | 14.51 | 15.92 |
Working Capital |
210.72 | 238.32 | 69.10 | 48.05 |
Capital Expenditures |
(62.22) | (25.05) | (15.65) | (9.84) |
Net Current Asset Value |
139.11 | 192.09 | (12.85) | (5.46) |
EV/EBIT |
7.17 | 9.15 | 3.70 | 3.70 |
Capex to Sales |
0.25 | 0.12 | 0.09 | 0.06 |
Price to Operating Income |
11.60 | 16.29 | 3.57 | 3.57 |
| Other line items | ||||
Depreciation/Fixed assets |
5.55 | 3.44 | 8.14 | 5.46 |
Cash ROIC |
(1.85%) | 3.17% | 11.43% | 16.07% |
Accounts Receivable Turnover |
6.24 | 6.80 | 7.53 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 131.51 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
0.00 | 0.00 | 0.00 | 0.73 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
39.85 | 29.99 | 22.85 | — |
Average Payables |
— | — | 0.89 | — |
Average Assets |
347.88 | 219.43 | 114.80 | — |
Average Common Equity |
287.02 | 153.17 | 44.42 | — |
Columns are period end dates