TWFG, Inc.
TWFG Nasdaq· Insurance Agents, Brokers & Service
Last close · Oct 26, 2026
$29.03
KIRA · Stoqly’s AI analyst, in plain words
- TWFG, Inc. had $249M of revenue in fiscal 2025, up 22.0% on the year before.
- Its operating margin was 14.9%, up 1.2 pts: of every 100 in sales, about 15 is left after running the business.
- TWFG, Inc. made $41.2M of net profit in fiscal 2025.
- Free cash flow was $53.1M in fiscal 2025, 21.4% of revenue.
- TWFG, Inc. has $152M more cash than debt.
Market cap
$380M
P/E
47.6x
Revenue
$249M
Net income
$41.2M
Free cash flow
$53.1M
Operating margin
14.9%
TWFG, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+22.0%
Yes. Sales grew 22.0% last year.
Does it make a profit?
16.6%
Yes. It keeps 16.6% of every sale as profit.
Does profit turn into cash?
21.4%
Yes. 21.4% of sales ends up as free cash.
Is debt under control?
Net cash
Yes. It has more cash than debt.
How healthy are the accounts?
6 / 8
Mixed. It passes 6 of 8 health tests.
How is the share priced?
47.6x
One share costs 47.6 times its yearly profit per share.
What TWFG, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 10, 2026
- Legal name
- TWFG, Inc.
- CIK
- 0002007596
TWFG, Inc. · TWFG
Results and finances
The last 4 fiscal years. Amounts in USD.
| Fiscal year | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Sales and profit | ||||
| Revenue | $154M | $172M | $204M | $249M |
| Revenue growth | — | 11.8% | 18.4% | 22.0% |
| Operating margin | 15.4% | 14.8% | 13.7% | 14.9% |
| Net income | $0.0M | $0.0M | $2.7M | $41.2M |
| Net margin | 0.0% | 0.0% | 1.3% | 16.6% |
| Diluted EPS | — | — | $0.19 | $0.53 |
| Cash | ||||
| Cash from operations | $25.8M | $30.2M | $40.5M | $53.5M |
| Capital expenditure | $0.1M | $0.3M | $3.2M | $0.4M |
| Free cash flow | $25.6M | $29.9M | $37.3M | $53.1M |
| FCF margin | 16.7% | 17.4% | 18.3% | 21.4% |
| Share count change | — | — | — | 0.8% |
| Debt and strength | ||||
| Cash and short-term investments | $22.3M | $39.3M | $196M | $156M |
| Debt incl. finance leases | — | $53.2M | $9.6M | $4.0M |
| Shareholders' equity | — | $31.1M | $73.9M | $83.4M |
| Net debt / EBITDA | — | 0.5x | −4.7x | −2.7x |
| Current ratio | — | 2.2x | 6.1x | 5.1x |
| Interest coverage | 59.6x | 25.3x | 12.6x | 128.9x |
| Returns and quality | ||||
| Return on capital | — | 56.5% | — | — |
| Return on equity | — | 0.0% | 5.2% | 52.4% |
| Return on tangible equity | — | — | 303.0% | — |
| Piotroski F-score | — | — | 6 | 6 |
| Altman Z'' | — | 4.3 | 6.4 | 5.6 |
Insiders bought, 12 months
$3.4M
1 insider
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
TWFG, Inc. · TWFG
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $29.03 a share, the company is worth $380M: 47.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0002007596). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.