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TWFG, Inc. Common Stock (TWFG)
Price$19.20
Value ScoreD
Growth ScoreB
Momentum ScoreC
Favorite Metrics
Price vs S&P 500 (26W)-49.51%
Price vs S&P 500 (4W)-5.03%
VGM Score48.02
Market Capitalization$1.02B
P/E Ratio (Annual)127.68x
All Metrics
P/CF (Annual)19.00x
Book Value / Share (Quarterly)$4.88
P/TBV (Annual)503.54x
Indicated Dividend (Annual)$0.00
Revenue Growth (3Y)17.31%
Cash Flow / Share (Quarterly)$-1.38
Price vs S&P 500 (YTD)-45.69%
Gross Margin (TTM)48.14%
Net Profit Margin (TTM)3.13%
EPS (TTM)$0.46
10-Day Avg Trading Volume0.18M
EPS Excl Extra (TTM)$0.46
EPS (Annual)$0.53
ROI (Annual)9.11%
Gross Margin (Annual)46.27%
Cash / Share (Quarterly)$8.81
P/E Basic Excl Extra (TTM)121.30x
Revenue Growth QoQ (YoY)35.33%
P/E Normalized (Annual)127.68x
ROA (Last FY)2.14%
Revenue Growth TTM (YoY)25.32%
EBITD / Share (TTM)$2.55
Operating Margin (TTM)16.30%
Cash Flow / Share (Annual)$-0.58
P/B Ratio14.70x
P/B Ratio (Quarterly)3.78x
Net Income / Employee (Annual)$30,200
EV / Revenue (TTM)3.35x
Net Interest Coverage (TTM)26.19x
ROA (TTM)2.34%
EPS Growth QoQ (YoY)32.62%
EV / EBITDA (TTM)13.82x
EPS Incl Extra (Annual)$0.53
Current Ratio (Annual)5.12x
Quick Ratio (Quarterly)3.42x
3-Month Avg Trading Volume0.26M
52-Week Price Return-46.20%
EV / Free Cash Flow (Annual)63.41x
P/E Incl Extra (TTM)121.30x
Revenue / Employee (TTM)$1,013,400
Tangible BV / Share (Quarterly)$0.06
P/S Ratio (Annual)4.09x
Asset Turnover (Annual)0.67x
52-Week High$36.85
EPS Excl Extra (Annual)$0.53
26-Week Price Return-33.58%
Quick Ratio (Annual)5.12x
13-Week Price Return-2.24%
Total Debt / Equity (Annual)0.05x
Current Ratio (Quarterly)3.42x
Enterprise Value$895.42M
Asset Turnover (TTM)0.75x
Revenue / Employee (Annual)$941,300
Pretax Margin (Annual)17.88%
Cash / Share (Annual)$10.38
3-Month Return Std Dev46.68%
Net Income / Employee (TTM)$31,800
ROE (Last FY)9.55%
Net Interest Coverage (Annual)14.29x
EPS Basic Excl Extra (Annual)$0.53
P/FCF (TTM)57.32x
Receivables Turnover (TTM)33.22x
Total Debt / Equity (Quarterly)0.05x
EPS Incl Extra (TTM)$0.46
Receivables Turnover (Annual)32.47x
ROI (TTM)10.23%
P/S Ratio (TTM)3.80x
Revenue / Share (Annual)$16.46
Tangible BV / Share (Annual)$0.06
Forward P/E17.84x
Price vs S&P 500 (52W)-74.41%
P/E Ratio (TTM)121.30x
EPS Growth TTM (YoY)70.41%
Year-to-Date Return-34.76%
5-Day Price Return-0.48%
EPS Normalized (Annual)$0.53
Net Profit Margin (Annual)3.20%
Month-to-Date Return1.02%
EBITD / Share (Annual)$3.66
EPS Growth (3Y)-30.43%
Operating Margin (Annual)14.88%
LT Debt / Equity (Annual)0.02x
P/CF (TTM)16.78x
P/E Excl Extra (TTM)121.30x
LT Debt / Equity (Quarterly)0.02x
EPS Basic Excl Extra (TTM)$0.46
P/TBV (Quarterly)503.54x
P/B Ratio (Annual)19.39x
Pretax Margin (TTM)19.12%
Book Value / Share (Annual)$5.55
Price vs S&P 500 (13W)-11.99%
Beta0.72x
P/FCF (Annual)65.92x
Revenue / Share (TTM)$17.96
ROE (TTM)10.79%
52-Week Low$16.56
vGradeD
gGradeB
mGradeC
vgmGradeC
Show chart for
Earnings Surprise History
Q1 260.29est. 0.20
Analyst Recommendations
Mar 2026
Apr 2026
May 2026
Jun 2026
3.93
3.93
3.93
3.87
Industry Peers — Insurance Agents & Brokers(33)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
TWFGTWFG, Inc. Common Stock | D | B | C | $19.20 |
| MRSHMarsh | C | C | C | $162.55 |
| AONAon plc Class A | D | C | C | $320.41 |
| AJGArthur J. Gallagher & Co. | D | C | C | $206.10 |
| WTWWillis Towers Watson Public Limited Company Ordinary Shares | C | C | C | $257.04 |
| BROBrown & Brown, Inc. | C | B | D | $56.98 |
| EQHEquitable Holdings, Inc. | C | D | C | $40.53 |
| ERIEErie Indemnity Co | C | C | D | $211.61 |
| RYANRyan Specialty Holdings, Inc. | D | B | D | $33.11 |
| ACTEnact Holdings, Inc. Common Stock | C | D | B | $41.09 |
| NPNeptune Insurance Holdings Inc. | C | C | B | $26.25 |
About
TWFG Inc is an independent insurance distribution platform serving the U.S. personal and commercial insurance markets. The company provides agents with comprehensive distribution options, proprietary technology and premium financing, M&A services, and operational support to enhance profitability. TWFG's integrated platform and cost-efficient structure position it as a competitive choice for insurance agents seeking independence.