Stocktoria
TWFG, Inc. TWFG
Nasdaq · XNAS · stock · Insurance Agents, Brokers & Service · website · IPO 2024-07-18
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3/9
Piotroski F — financial health
9.7
Altman Z″ — distress risk · safe
—
Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 |
|---|---|---|---|
| Financials | |||
| Revenue | $248.5M | $203.8M | $172.0M |
| Operating income | $37.0M | $27.9M | $25.4M |
| Net income | — | $2.7M | $0 |
| Operating cash flow | $53.5M | $40.5M | $29.3M |
| Free cash flow | $53.1M | $37.3M | $29.1M |
| Total assets | $372.3M | $323.4M | $115.4M |
| Total liabilities | $55.7M | $48.1M | $84.4M |
| Shareholders' equity | $298.7M | $275.3M | $31.1M |
| Ratios | |||
| Operating margin | 14.9% | 13.7% | 14.8% |
| Net margin | — | 1.3% | 0.0% |
| FCF margin | 21.4% | 18.3% | 16.9% |
| Return on assets | — | 0.8% | 0.0% |
| Return on equity | — | 1.0% | 0.0% |
| Debt / equity | 0.01× | 0.01× | 1.54× |
| Current ratio | 5.12 | 6.10 | 2.15 |
| Revenue growth | 22.0% | 18.4% | — |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 118,327 | $2.2M |
| Point72 Asset Management, L.P. | 64,668 | $1.2M |
Why these scores methodology →
Piotroski F-score: 3/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: 9.7 (safe)
- Working capital / assets 0.487
- Retained earnings / assets 0.062
- EBIT / assets 0.099
- Equity / liabilities 5.365
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0002007596 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.