TWFG, Inc. Common Stock (TWFG) Financial Ratios
4 years of historical data (2022–2025) · Financial Services · Insurance - Brokers
EV/EBITDA
↑
17.03
+2% vs avg
5yr avg: 16.75
30Y Low6.9·High26.6
P/FCF
↑
20.49
-4% vs avg
5yr avg: 21.42
30Y Low12.4·High30.5
P/B Ratio
↑
3.45
+1% vs avg
5yr avg: 3.41
30Y Low1.7·High5.1
ROE
↑
2.7%
↓+20% vs avg
5yr avg: 2.2%
30Y Low2%·High3%
Debt/EBITDA
↓
0.20
↓-70% vs avg
5yr avg: 0.67
30Y Low0.2·High1.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
TWFG Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
TWFG, Inc. Common Stock trades at 37.9x earnings, 67% below its 5-year average of 113.8x, sitting at the 0th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.1x, the stock trades at a premium of 189%. On a free-cash-flow basis, the stock trades at 20.5x P/FCF, roughly in line with the 5-year average of 21.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Market Cap | $1.1B | $1.6B | $461M | — | — |
| Enterprise Value | $944M | $1.5B | $276M | — | — |
| P/E Ratio → | 37.94 | 56.41 | 171.11 | — | — |
| P/S Ratio | 4.39 | 6.52 | 2.38 | — | — |
| P/B Ratio | 3.45 | 5.14 | 1.68 | — | — |
| P/FCF | 20.49 | 30.47 | 12.38 | — | — |
| P/OCF | 20.36 | 30.27 | 11.40 | — | — |
P/E links to full P/E history page with 30-year chart
TWFG EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
TWFG, Inc. Common Stock's enterprise value stands at 17.0x EBITDA, roughly in line with its 5-year average of 16.8x. The Financial Services sector median is 11.5x, placing the stock at a 49% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| EV / Revenue | — | 5.94 | 1.42 | — | — |
| EV / EBITDA | 17.03 | 26.59 | 6.91 | — | — |
| EV / EBIT | 25.46 | 32.96 | 8.54 | — | — |
| EV / FCF | — | 27.75 | 7.40 | — | — |
TWFG Profitability
Margins and return-on-capital ratios measuring operating efficiency
TWFG, Inc. Common Stock earns an operating margin of 14.9%, below the Financial Services sector average of 21.6%. ROE of 2.7% is modest, trailing the sector median of 9.4%. ROIC of 21.4% represents excellent returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Gross Margin | 31.5% | 31.5% | 24.0% | 21.7% | 20.7% |
| Operating Margin | 14.9% | 14.9% | 14.4% | 15.2% | 16.0% |
| Net Profit Margin | 3.2% | 3.2% | 1.4% | — | — |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| ROE | 2.7% | 2.7% | 1.8% | — | — |
| ROA | 2.3% | 2.3% | 1.3% | — | — |
| ROIC | 21.4% | 21.4% | 31.4% | 41.3% | — |
| ROCE | 11.4% | 11.4% | 15.3% | 34.2% | 35.0% |
TWFG Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
TWFG, Inc. Common Stock carries a Debt/EBITDA ratio of 0.2x, which is very conservative (95% below the sector average of 4.1x). The company holds a net cash position — cash of $156M exceeds total debt of $11M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of 288.6x signals virtually no risk of debt distress — earnings comfortably cover interest obligations.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Debt / Equity | 0.04 | 0.04 | 0.04 | 1.67 | 0.23 |
| Debt / EBITDA | 0.20 | 0.20 | 0.26 | 1.71 | 0.49 |
| Net Debt / Equity | — | -0.46 | -0.67 | 0.40 | -0.16 |
| Net Debt / EBITDA | -2.61 | -2.61 | -4.64 | 0.41 | -0.33 |
| Debt / FCF | — | -2.72 | -4.98 | 0.86 | -0.67 |
| Interest Coverage | 288.59 | 288.59 | 14.53 | 26.19 | 59.66 |
Net cash position: cash ($156M) exceeds total debt ($11M)
TWFG Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
TWFG, Inc. Common Stock's current ratio of 68.07x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 2.15x to 68.07x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Current Ratio | 68.07 | 68.07 | 6.10 | 2.15 | 1.91 |
| Quick Ratio | 68.07 | 68.07 | 6.10 | 2.15 | 0.95 |
| Cash Ratio | 47.37 | 47.37 | 4.94 | 1.13 | 0.48 |
| Asset Turnover | — | 0.67 | 0.60 | 1.45 | 1.29 |
| Inventory Turnover | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — |
TWFG Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
TWFG, Inc. Common Stock does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business. The earnings yield of 2.6% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Dividend Yield | — | — | 2.0% | — | — |
| Payout Ratio | — | — | 339.1% | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Earnings Yield | 2.6% | 1.8% | 0.6% | — | — |
| FCF Yield | 4.9% | 3.3% | 8.1% | — | — |
| Buyback Yield | 0.0% | 0.0% | 0.0% | — | — |
| Total Shareholder Yield | 0.0% | 0.0% | 2.0% | — | — |
| Shares Outstanding | — | $56M | $15M | $13M | $632M |
Peer Comparison
Compare TWFG with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 TWFGYou | $1B | 37.9 | 17.0 | 20.5 | 31.5% | 14.9% | 2.7% | 21.4% | 0.2 |
 GSHD | $997M | 40.5 | 15.3 | 11.6 | 46.2% | 20.4% | — | 38.6% | 4.1 |
 SLQT | $201M | 85.7 | 6.6 | — | 38.7% | 4.5% | 10.7% | 5.3% | 4.7 |
 RYAN | $4B | 67.5 | 8.2 | 7.1 | 90.6% | 20.5% | 5.4% | 10.8% | 3.9 |
 ACGL | $34B | 8.1 | 6.8 | 5.5 | 37.2% | 25.0% | 19.5% | 15.4% | 0.5 |
 AON | $67B | 18.4 | 15.5 | 20.9 | 47.7% | 25.3% | 46.3% | 13.5% | 3.1 |
 MMC | $85B | 21.3 | 16.0 | 21.4 | 42.8% | 23.8% | 31.3% | 15.2% | 3.3 |
 WTW | $24B | 15.9 | 10.6 | 15.7 | 42.1% | 23.0% | 20.0% | 14.0% | 2.6 |
 AJG | $52B | 35.1 | 17.6 | 29.1 | 54.8% | 18.3% | 6.9% | 7.0% | 3.8 |
 BRO | $20B | 18.4 | 12.9 | 14.3 | 87.7% | 28.5% | 11.1% | 8.7% | 3.8 |
 HIG | $36B | 10.0 | 7.9 | 6.3 | 46.1% | 16.8% | 21.7% | 16.3% | 0.8 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonTWFG — Frequently Asked Questions
Quick answers to the most common questions about buying TWFG stock.
What is TWFG, Inc. Common Stock's P/E ratio?
TWFG, Inc. Common Stock's current P/E ratio is 37.9x. The historical average is 113.8x.
What is TWFG, Inc. Common Stock's EV/EBITDA?
TWFG, Inc. Common Stock's current EV/EBITDA is 17.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 16.8x.
What is TWFG, Inc. Common Stock's ROE?
TWFG, Inc. Common Stock's return on equity (ROE) is 2.7%. The historical average is 2.2%.
Is TWFG stock overvalued?
Based on historical data, TWFG, Inc. Common Stock is trading at a P/E of 37.9x. Compare with industry peers and growth rates for a complete picture.
What are TWFG, Inc. Common Stock's profit margins?
TWFG, Inc. Common Stock has 31.5% gross margin and 14.9% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does TWFG, Inc. Common Stock have?
TWFG, Inc. Common Stock's Debt/EBITDA ratio is 0.2x, indicating low leverage. A ratio below 2x is generally considered financially healthy.