Last 9 quarters of trend data · Financial Services · Insurance - Brokers
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
TWFG, Inc. Common Stock's quarterly P/E stands at 152.4x, up 117.7% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 104.1% YoY to 17.8x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 37.94 | 152.38 | 62.36 | 17.86 | 85.86 | 70.00 | 84.75 | — | — | — |
| — | +117.7% | -26.4% | — | — | — | — | — | — | — | |
| P/S Ratio | 4.39 | 6.47 | 1.68 | 2.28 | 2.25 | 2.50 | 1.97 | — | — | — |
| — | +159.4% | -15.0% | — | — | — | — | — | — | — | |
| P/B Ratio | 3.45 | 5.14 | 1.40 | 1.83 | 1.66 | 1.68 | 1.51 | — | — | — |
| — | +204.9% | -7.0% | — | — | — | — | — | — | — | |
| P/FCF | 20.49 | 31.00 | 13.16 | 13.78 | 7.44 | 14.10 | 8.90 | — | — | — |
| — | +119.8% | +47.8% | — | — | — | — | — | — | — | |
| EV / EBITDA | 17.03 | 17.78 | 4.74 | 8.37 | 7.66 | 8.71 | 5.16 | — | — | — |
| — | +104.1% | -8.1% | — | — | — | — | — | — | — | |
| EV / EBIT | 25.46 | 24.01 | 6.38 | 9.73 | 9.17 | 7.47 | 7.15 | — | — | — |
| — | +221.2% | -10.8% | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
TWFG, Inc. Common Stock's operating margin was 23.9% in Q4 2025, up 9.3 pp QoQ and up 13.3 pp YoY. This marks the 5th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 15.6% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 162.4% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 31.5% | 55.8% | 27.8% | 24.6% | 22.8% | 21.3% | 23.5% | 24.5% | 27.0% | 9.6% |
| — | +162.4% | +18.2% | +0.5% | -15.7% | +121.9% | — | — | — | — | |
| Operating Margin | 14.9% | 23.9% | 14.6% | 12.7% | 11.1% | 10.6% | 15.1% | 14.6% | 16.3% | 2.6% |
| — | +125.5% | -3.4% | -13.2% | -32.2% | +303.4% | — | — | — | — | |
| Net Margin | 3.2% | 4.7% | 2.8% | 3.4% | 2.6% | 3.4% | 2.3% | — | 0.0% | -43.8% |
| — | +37.6% | +23.6% | — | +28924.7% | +107.8% | — | — | — | — |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 2.7% | 1.0% | 0.6% | 0.7% | 0.5% | 0.6% | 0.7% | — | 0.0% | -53.9% |
| — | +64.7% | -14.3% | — | +15963.3% | +101.1% | — | — | — | — | |
| ROA | 2.3% | 0.8% | 0.5% | 0.6% | 0.4% | 0.5% | 0.5% | — | 0.0% | -14.5% |
| — | +63.7% | +1.4% | — | +19385.7% | +103.4% | — | — | — | — | |
| ROIC | 21.4% | 6.9% | 4.6% | 4.8% | 4.7% | 4.2% | 6.5% | 6.2% | 8.2% | 1.7% |
| — | +64.4% | -28.9% | -22.7% | -42.6% | +143.1% | — | — | — | — |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
TWFG, Inc. Common Stock's Debt/EBITDA ratio is 0.5x, down from 0.6x last quarter — comfortably within a safe range. The current ratio has improved 1015.1% YoY to 68.07x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 | 0.03 | 0.75 | 0.05 | 1.67 |
| — | -5.8% | -8.2% | -95.7% | -24.0% | -97.8% | — | — | — | — | |
| Debt / EBITDA | 0.20 | 0.54 | 0.63 | 0.83 | 1.07 | 1.29 | 0.83 | 4.83 | 1.03 | 20.48 |
| — | -58.4% | -24.3% | -82.8% | +3.9% | -93.7% | — | — | — | — | |
| Current Ratio | 68.07 | 68.07 | 4.68 | 4.59 | 5.63 | 6.10 | 6.15 | 1.84 | 5.85 | 2.15 |
| — | +1015.1% | -23.8% | +150.2% | -3.7% | +183.8% | — | — | — | — | |
| Quick Ratio | 68.07 | 68.07 | 4.68 | 4.59 | 5.63 | 6.10 | 6.15 | 1.43 | 5.85 | 2.15 |
| — | +1015.1% | -23.8% | +221.4% | -3.7% | +183.8% | — | — | — | — | |
| Interest Coverage | 288.59 | 232.65 | 152.39 | 142.47 | 91.49 | 94.98 | 18.83 | 8.93 | 8.88 | 2.22 |
| — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 9 years · Updated daily
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TWFG, Inc. Common Stock's current P/E is 37.9x. The average P/E over the last 4 quarters is 79.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
TWFG, Inc. Common Stock's current operating margin is 14.9%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking TWFG, Inc. Common Stock's business trajectory between earnings reports.