TWFG (TWFG) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

TWFG

NasdaqGS•Financial Services•Insurance Brokers

$28.89-0.39(-0.01%)Market closed

Market Cap

$357.27M

P/E

8.5x

P/S

1.2x

P/B

1.4x

TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. The company offers auto, home, renters, life, health, motorcycle, umbrella, boat, recreational vehicle, flood, wind, event, luxury item, general liability, property, business auto, workers' compensation, business owner policy, and professional liability insurance products, as well as commercial bonds and group benefits. TWFG, Inc. was founded in 2001 and is based in The Woodlands, Texas.

How this company scores

ExcellentMetricSide Score: 94/100

Strongest: Profitability (25/25); weakest: Balance Sheet & Red Flags (21/25).

Profitability25/25

Growth23/25

Balance Sheet & Red Flags21/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowStrong marginsHigh ROERising earnings

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 8.5x5y range 6.6x – 112.7x

Currently near its 4-quarter median.

P/S · 1.2x5y range 1.0x – 2.0x

Currently near its 6-quarter median.

P/B · 1.4x5y range 0.2x – 1.9x

Price & Volume

Market Cap $357.27M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $294.73M
Q. Revenue: $87.51M
TTM EBITDA: $78.16M
TTM Op. Income: $53.83M
Q. Op. Income: $17.59M
TTM Net Income: $42.00M
Q. Net Income: $2.37M
EPS: $0.18
Shares Out.: $13.10M

$294.73M in TTM revenue grew 11.4% YoY, reaching $87.51M last quarter. TTM EBITDA of $78.16M and TTM operating income of $53.83M show growth is flowing through to the bottom line. TTM net income of $42.00M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 28.2%
Op. Margin: 20.1%
Net Margin: 2.7%

Op. margin of 20.1% is up 7.9% YoY — cost efficiency is improving. Net margin at 2.7% Over the past year, operating margin is up 65% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 8.5x
P/S Ratio: 1.2x
P/B Ratio: 1.4x

At 8.5x P/E, the stock trades below typical market levels. P/S of 1.2x and P/B of 1.4x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 0% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $358.35M
Cash: $73.75M
Long-Term Debt: $1.02M
Book Value: $263.83M
D/E Ratio: 0.0
Debt/EBITDA: 0.0

With $358.35M in assets and $1.02M in long-term debt, D/E is 0.0and book value is $263.83M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $9.82M
TTM Free Cash Flow: $59.68M
FCF Margin: 20.3%
FCF / Net Income: 1.4

TTM FCF of $59.68M on $9.82M in operating cash flow. The FCF / Net Income ratio of 1.4x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 32% — a weakening trend.