TWFG, Inc.: stock overview

TWFGNASDAQFinancial services · Insurance Agents, Brokers & Service

Price

$25.79

November 13, 2026Market cap $385M

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  • The full history: 4 fiscal years, from 2022
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  • More questions to the chat on its filings
  • Excel with every year
  • An email when it reports, changes its dividend or an officer buys

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In short

TWFG had revenue of $311M over the last 12 months and net income of $8.2M, a net margin of 2.7%. Revenue grew by 17.3% a year on average over the last 3 years. At $25.79 the shares trade at a P/E of 46.6. It holds more cash than debt, by $75M. It pays no dividend.

From its SEC filings (latest fiscal year to December 31, 2025) and the price of November 13, 2026.

Its SEC filings
Market cap
$385M
14.91M shares
P/E
46.6
Revenue, 12 months
$311M
+17.3% a year over 3 years
Net margin
2.7%
2025: 16.6%, above 80% of its industry

Worth knowing

What a holder would want to hear from the company's SEC filings of the last three years. Each with its filing, without comment.

3 fiscal years in figures

Each fiscal year's figures as the company filed them, and the share price at its end.

2023–2025 fiscal years

+20.2% a year over 2 years

  • 202510-K
    Revenue$249M
  • 202410-K
    Revenue$204M
  • 2023
    Revenue$172M

Fiscal years in figures

TWFG's revenue, profit, cash flow and dividend with each year-end price, from 2022 to 2022, 1 more fiscal year

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Key figures

The company's current figures in five groups. Each term is explained behind its ⓘ.

Valuation

Market cap 
$385M
Enterprise value 
$309M
P/E 
46.6
EV / EBIT 
5.8
EV / Revenue 
1.0
P/B 
8.1
FCF yield 
14.4%
Earnings yield 
2.1%

Profitability

Operating margin 
17.3%
Net margin 3-year median: 1.3%
2.7%
ROIC 
73.1%
ROIC, 5-year average 
28.5%
ROE 
12.7%

Growth

Revenue, yearly change 
+22.0%
EPS, yearly change 
+179.0%
FCF, yearly change 
+42.6%
Revenue, average a year 
+17.3%
EPS, average a year 
+179.0%

The yearly change compares FY2025 with FY2024.

Balance sheet

Cash 
$78M
Total debt 
$6.9M
Of which operating leases 
$4.4M
Net cash 
$75M
Net debt / EBITDA 
-1.0x
Interest cover 
179.4x
Current ratio 
2.81

Balance sheet of September 30, 2026.

Returns to shareholders

Dividend yield 
0.00%
Buybacks 
–
Total returned 
0.00%
Shares, yearly change 
+1.0%
Valuation against its own pastEach fiscal year's P/E, P/FCF and P/B beside today's, and the DCF calculator for the company.Valuation

Against its industry

Where its margins and returns stood in fiscal 2025 among the SEC filers of its industry (SIC code 64).

Operating margin

14.9%

Above 55% of the 19 companies in its industry, and 74% of all.

Net margin

16.6%

Above 80% of the 28 companies in its industry, and 78% of all.

ROE

49.4%

Above 93% of the 21 companies in its industry, and 96% of all.

ROA

11.1%

Above 83% of the 27 companies in its industry, and 89% of all.

Revenue growth

22.0%

Above 65% of the 27 companies in its industry, and 83% of all.

From the yearly figures every company files with the SEC, for those with revenue of at least $25 million. The industry is the first two digits of the SIC code.

The company at the SEC

How it is registered and when its fiscal year ends.

Name at the SEC
TWFG, Inc.
CIK
2007596
Exchange
NASDAQ
Industry (SIC)
6411 · Insurance Agents, Brokers & Service
Fiscal year ends
December 31
Latest annual report
December 31, 2025
Reporting currency
USD
Shares
14.91M

Other companies: Financial services

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The full analysis

What do TWFG's filings show?

These are TWFG's figures. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

  • A fair value range built from the filings
  • Earnings quality, debt and red flags
  • Insider and institutional moves
  • The case for and the case against

Questions about TWFG

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What is TWFG's market cap?

TWFG, Inc.'s market cap is $385M, at a price of $25.79 on November 13, 2026 and 14.91M shares.

What is TWFG's P/E?

TWFG's P/E is 46.6, on earnings per share of $0.58 over the last 12 months.

How much revenue does TWFG have?

TWFG had revenue of $311M over the last 12 months. Over the last 3 years it changed by +17.3% a year on average.

Does TWFG pay a dividend?

No. TWFG paid no regular dividend over the last 12 months.

Where do the figures come from?

From TWFG, Inc.'s SEC filings (10-K and 10-Q) and the share price. They hold no analyst estimates and no score, and they are not a recommendation.

Related pages

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. They are not a score or a fair value.