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TWFG, Inc. (TWFG) vs XChange TEC.INC. Sponsored ADR (XHG)

TWFG, Inc. and XChange TEC.INC. Sponsored ADR are both Insurance Brokers companies. TWFG, Inc. is the larger, with a market value of $1.6B against $150.5M — 10.4× the size. XChange TEC.INC. Sponsored ADR trades at the lower P/E: 0.0× against 51.3×. TWFG, Inc. grew revenue faster over the last twelve months: 35.0% against −38.9%. XChange TEC.INC. Sponsored ADR has the higher net margin (37.7% vs 2.66%) and the lower return on invested capital (0.00% vs 19.6%). Across the 15 metrics below, TWFG, Inc. leads on 10 and XChange TEC.INC. Sponsored ADR on 5.

Valuation

Metric TWFG XHG Insurance Brokers median
P/E 51.28 0.00 22.14
P/S 1.21 n/m 2.91
P/B 1.41 n/m 3.02
Price to free cash flow n/m n/m 22.32
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 1.95% 233,517.68% 3.41%
Free cash flow yield (2.17%) (925,403.74%) 3.09%

Profitability

Metric TWFG XHG Insurance Brokers median
Gross margin 50.30% 0.00% 49.54%
Operating margin 17.33% 0.00% 15.76%
Net margin 2.66% 37.67% 8.19%
Free cash flow margin (2.63%) 0.00% 3.58%
Return on equity 2.99% 0.00% 2.99%
Return on assets 2.33% 0.00% 2.33%
Return on invested capital 19.57% 0.00% 5.64%

Growth

Metric TWFG XHG Insurance Brokers median
Revenue growth (TTM) 35.01% (38.89%) 9.77%
EPS growth (last fiscal year) 168.42% 98.46% (8.67%)
Revenue growth, 5-year CAGR — (21.54%) 9.30%
Net income growth, 5-year CAGR — 0.00% 0.00%

Health

Metric TWFG XHG Insurance Brokers median
Debt to equity 0.00 (0.04) 0.49
Current ratio 76.79 0.04 1.54
Net debt to EBITDA (2.96) (0.03) 1.20

Dividend

Metric TWFG XHG Insurance Brokers median
Dividend yield — — 1.01%
Payout ratio — — 0.33

Size

Metric TWFG XHG Insurance Brokers median
Market cap 1.57b 150.52m 2.41b

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