Stocktoria

TWFG, Inc. TWFG

Nasdaq · stock · Insurance Agents, Brokers & Service · website · IPO 2024-07-18

TWFG, Inc. statistics & valuation

Market cap$1.3B
P / S5.2×
P / B4.3×
P / FCF24.1×
FCF margin21.4%
Net cash$153.9M
Net debt / EBITDA-2.8×
Enterprise value USD$1.1B
EV / EBITDA20.4×
Earnings yield EBIT/EV3.3%
Return on capital11.3%
Graham number -42.4%$15.36

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($15.36); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
202320242025
Operating margin (%)
14.80% 13.70% 14.90% 202320242025
Return on equity (%)
0.00% 1.00% 202320242025
Shares outstanding
15.0M 15.1M 202320242025
Net debt ($)
$8.7M -$188.1M -$153.9M 202320242025
Share buybacks ($)
202320242025
Return on assets (%)
0.00% 0.80% 202320242025
Free cash flow margin (%)
17.40% 18.30% 21.40% 202320242025
Debt / equity (×)
1.54× 0.03× 0.01× 202320242025
EPS ($)
$0.19 $0.53 202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023
Operating margin14.9%13.7%14.8%
Net margin—1.3%0.0%
FCF margin21.4%18.3%17.4%
Return on assets—0.8%0.0%
Return on equity—1.0%0.0%
Debt / equity0.01×0.03×1.54×
Current ratio5.126.102.15

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.