| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| TWFGTWFG, Inc. Common Stock | 415.39M | 27.64 | 153.56 | 16.01% | 3.03% | 2.23% | 8.97% | 0.04 |
| AJGArthur J. Gallagher & Co. | 68.01B | 264.84 | 40.56 | 14.72% | 13.16% | 7.12% | 3.59% | 0.67 |
| ERIEErie Indemnity Company | 13.04B | 282.30 | 24.59 | 16.72% | 15.6% | 28.06% | 3.73% | 0.00 |
| BROBrown & Brown, Inc. | 27.18B | 79.61 | 23.01 | 12.05% | 18.75% | 8.04% | 4.02% | 0.63 |
| RELIReliance Global Group, Inc. | 5.09M | 0.52 | -0.06 | 2.35% | -53.39% | -103.83% | 4.35 |
| Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|
| Revenue | 147.78M | 166.99M | 193.72M |
| Revenue Growth % | - | 0.13% | 0.16% |
| Medical Costs & Claims | 117.15M | 130.82M | 147.15M |
| Medical Cost Ratio % | - | - | - |
| Gross Profit | 30.63M | 36.17M | 46.57M |
| Gross Margin % | - | - | - |
| Gross Profit Growth % | - | 0.18% | 0.29% |
| Operating Expenses | 6.92M | 10.78M | 18.64M |
| OpEx / Revenue % | - | - | - |
| Depreciation & Amortization | 3.3M | 4.86M | 12.02M |
| Combined Ratio % | - | - | - |
| Operating Income | 23.72M | 25.39M | 27.93M |
| Operating Margin % | - | - | - |
| Operating Income Growth % | - | 0.07% | 0.1% |
| EBITDA | 27.02M | 30.25M | 39.95M |
| EBITDA Margin % | - | - | - |
| Interest Expense | 398K | 1M | 2.22M |
| Non-Operating Income | -28K | -874K | -4.38M |
| Pretax Income | 23.35M | 25.26M | 30.09M |
| Pretax Margin % | - | - | - |
| Income Tax | 0 | 0 | 1.5M |
| Effective Tax Rate % | - | - | - |
| Net Income | 0 | 0 | 2.75M |
| Net Margin % | - | - | - |
| Net Income Growth % | - | - | - |
| EPS (Diluted) | 0.03 | 0.31 | 0.18 |
| EPS Growth % | - | 8.51% | -0.42% |
| EPS (Basic) | 0.03 | 0.31 | 0.19 |
| Diluted Shares Outstanding | 631.75M | 13.16M | 14.98M |
| Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|
| Total Assets | 114.15M | 115.44M | 323.43M |
| Asset Growth % | - | 0.01% | 1.8% |
| Total Investment Assets | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 |
| Short-Term Investments | 0 | 0 | 0 |
| Total Current Assets | 88.72M | 75.11M | 241.85M |
| Cash & Equivalents | 22.33M | 39.3M | 195.77M |
| Receivables | 1000K | 1000K | 1000K |
| Other Current Assets | 1.08M | 10.75M | 19.01M |
| Goodwill & Intangibles | 21.36M | 36.44M | 72.98M |
| Goodwill | 0 | 0 | 0 |
| Intangible Assets | 21.36M | 36.44M | 72.98M |
| PP&E (Net) | 2.92M | 3.06M | 7.99M |
| Other Assets | 1.16M | 837K | 610K |
| Total Liabilities | 56.37M | 84.39M | 48.14M |
| Total Debt | 13.31M | 51.76M | 10.3M |
| Net Debt | -9.02M | 12.46M | -185.47M |
| Long-Term Debt | 8.36M | 46.92M | 4.01M |
| Short-Term Debt | 2.64M | 2.44M | 1.91M |
| Total Current Liabilities | 46.33M | 34.91M | 39.62M |
| Accounts Payable | 9.71M | 14.05M | 17.08M |
| Deferred Revenue | 0 | 0 | 0 |
| Other Current Liabilities | 33.34M | 12.17M | 14.69M |
| Deferred Taxes | 0 | 0 | 0 |
| Other Liabilities | 0 | 1.04M | 1.15M |
| Total Equity | 57.79M | 31.05M | 275.29M |
| Equity Growth % | - | -0.46% | 7.87% |
| Shareholders Equity | 57.79M | 31.05M | 73.88M |
| Minority Interest | 0 | 0 | 201.4M |
| Retained Earnings | 32.18M | 4.8M | 15.29M |
| Common Stock | 632K | 632K | 148K |
| Accumulated OCI | -140K | 500K | 83K |
| Return on Equity (ROE) | - | - | 0.02% |
| Return on Assets (ROA) | - | - | 0.01% |
| Equity / Assets | - | - | - |
| Debt / Equity | 0.23x | 1.67x | 0.04x |
| Book Value per Share | 0.09 | 2.36 | 18.37 |
| Tangible BV per Share | - | - | - |
| Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|
| Cash from Operations | 25.75M | 30.15M | 40.48M |
| Operating CF Growth % | - | 0.17% | 0.34% |
| Operating CF / Revenue % | - | - | - |
| Net Income | 23.35M | 25.26M | 28.59M |
| Depreciation & Amortization | 3.3M | 4.86M | 12.02M |
| Stock-Based Compensation | 0 | 0 | 2.22M |
| Deferred Taxes | 0 | 0 | 0 |
| Other Non-Cash Items | 3.34M | 1.47M | 1.05M |
| Working Capital Changes | -4.24M | -1.44M | -3.4M |
| Cash from Investing | -14.5M | -14.65M | -25.05M |
| Capital Expenditures | -12.28M | -260K | -3.2M |
| Acquisitions | 0 | 0 | 0 |
| Purchase of Investments | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 0 |
| Other Investing | -2.23M | -14.39M | -21.85M |
| Cash from Financing | -15.26M | -9.7M | 143.43M |
| Dividends Paid | -20.56M | -33.41M | -9.31M |
| Share Repurchases | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 193.55M |
| Debt Issuance (Net) | -1000K | 1000K | -1000K |
| Other Financing | 7.85M | -14.63M | 2.62M |
| Net Change in Cash | -4.01M | 5.8M | 158.85M |
| Exchange Rate Effect | 0 | 0 | 0 |
| Cash at Beginning | 44.68M | 40.66M | 46.47M |
| Cash at End | 40.66M | 46.47M | 205.32M |
| Free Cash Flow | 13.48M | 14.51M | 37.28M |
| FCF Growth % | - | 0.08% | 1.57% |
| FCF Margin % | - | - | - |
| FCF per Share | 0.02 | 1.1 | 2.49 |
| Metric | 2022 | 2023 | 2024 |
|---|---|---|---|
| Combined Ratio | 83.95% | 84.79% | 85.58% |
| Medical Cost Ratio | 79.27% | 78.34% | 75.96% |
| Return on Equity (ROE) | - | - | 1.79% |
| Return on Assets (ROA) | - | - | 1.25% |
| Equity / Assets | 50.62% | 26.9% | 85.12% |
| Book Value / Share | 0.09 | 2.36 | 18.37 |
| Debt / Equity | 0.23x | 1.67x | 0.04x |
| Revenue Growth | - | 13% | 16.01% |
| 2024 | |
|---|---|
| Commission Income | 183.16M |
| Commission Income Growth | - |
| Fee Income | 10.56M |
| Fee Income Growth | - |
| License | 1.9M |
| License Growth | - |
| Product and Service, Other | 1.32M |
| Product and Service, Other Growth | - |
TWFG, Inc. Common Stock (TWFG) has a price-to-earnings (P/E) ratio of 153.6x. This suggests investors expect higher future growth.
TWFG, Inc. Common Stock (TWFG) grew revenue by 16.0% over the past year. This is strong growth.
Yes, TWFG, Inc. Common Stock (TWFG) is profitable, generating $6.6M in net income for fiscal year 2024 (1.4% net margin).
Yes, TWFG, Inc. Common Stock (TWFG) pays a dividend with a yield of 2.25%. This makes it attractive for income-focused investors.
TWFG, Inc. Common Stock (TWFG) has a return on equity (ROE) of 1.8%. This is below average, suggesting room for improvement.
TWFG, Inc. Common Stock (TWFG) has a combined ratio of 85.6%. A ratio below 100% indicates underwriting profitability.