TWFG, Inc. (TWFG) Key Metrics
TWFG valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $326.8M
- Enterprise value
- $253.5M
- P/E (TTM)
- 43.0
- Forward P/E
- 20.2
- PEG ratio
- —
- Price / sales
- 1.1
- Price / book
- 6.9
- EV / EBITDA
- 3.0
- Dividend yield
- —
- Beta
- 0.28
TWFG key metrics, 2022–2025
Fiscal year ended December 31, 2025 · U.S. dollarsTWFG valuation Price multiples at each fiscal year-end price.
TWFG returns How much profit the business earns on the capital it uses.
TWFG per-share figures Results divided by the shares outstanding at year-end.
TWFG financial health Debt, liquidity and how easily interest is covered.
TWFG efficiency & capital use Working capital cycle and where the cash goes.
TWFG valuation history
TWFG returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
TWFG debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
TWFG cash returned to shareholders
TWFG price vs earnings per share
TWFG key metrics
2022–2025| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Valuation | ||||
| Market capitalization | $1.62B | $461.5M | — | — |
| Enterprise value | $1.47B | $276.0M | — | — |
| P/E ratio | 203.4 | 168.1 | — | — |
| Price / sales | 6.9 | 2.4 | — | — |
| Price / book | 19.5 | 6.2 | — | — |
| Price / free cash flow | 30.5 | 12.4 | — | — |
| Price / operating cash flow | 30.3 | 11.4 | — | — |
| EV / sales | 6.3 | 1.4 | — | — |
| EV / EBITDA | 23.4 | 6.2 | — | — |
| EV / free cash flow | 27.7 | 7.4 | — | — |
| Earnings yield | 0.5% | 0.6% | — | — |
| Free cash flow yield | 3.3% | 8.1% | — | — |
| Dividend yield | 1.0% | 2.0% | — | — |
| Shareholder yield (dividends + buybacks) | 1.0% | 2.0% | — | — |
| Share price at fiscal year-end | $28.77 | $30.80 | — | — |
| Per share | ||||
| Revenue per share | $4.16 | $12.93 | $12.69 | — |
| Earnings per share | $0.14 | $0.18 | $0.31 | — |
| Operating cash flow per share | $0.95 | $2.70 | $2.29 | — |
| Free cash flow per share | $0.94 | $2.49 | $1.10 | — |
| Cash per share | $2.77 | $13.07 | $2.99 | — |
| Book value per share | $1.48 | $4.93 | $2.36 | — |
| Tangible book value per share | −$0.99 | $0.06 | −$0.41 | — |
| Dividends per share | $0.28 | $0.62 | $2.54 | — |
| Capex per share | $0.01 | $0.21 | $1.19 | — |
| Debt per share | $0.20 | $0.69 | $3.93 | — |
| Shares outstanding | 56.3M | 15.0M | 13.2M | — |
| Change in shares outstanding | +275.7% | +13.8% | — | — |
| Returns & profitability | ||||
| Return on equity (ROE) | 10.1% | 5.2% | 9.3% | 35.7% |
| Return on invested capital (ROIC) | — | — | 53.1% | 42.9% |
| Return on assets (ROA) | 2.3% | 1.3% | 3.6% | 18.1% |
| Return on tangible assets | 3.4% | 1.1% | 5.2% | 22.2% |
| Free cash flow margin | 22.7% | 19.2% | 8.7% | 9.1% |
| Income quality (OCF / net income) | 6.72 | 14.75 | 7.30 | 1.25 |
| Financial health | ||||
| Total debt | $11.1M | $10.3M | $51.8M | $13.3M |
| Cash & short-term investments | $155.9M | $195.8M | $39.3M | $22.3M |
| Net debt | −$144.8M | −$185.5M | $12.5M | −$9.0M |
| Debt / equity | 0.13 | 0.14 | 1.67 | 0.23 |
| Debt / assets | 0.03 | 0.03 | 0.45 | 0.12 |
| Net debt / EBITDA | −2.30 | −4.18 | 0.40 | −0.33 |
| Current ratio | 68.07 | 6.10 | 2.15 | 1.91 |
| Quick ratio | 68.07 | 6.10 | 1.89 | 0.95 |
| Interest coverage | 83.2 | 12.6 | 25.3 | 59.6 |
| Working capital | $220.8M | $202.2M | $40.2M | $42.4M |
| Invested capital | −$61.7M | −$111.6M | $43.5M | $48.8M |
| Tangible asset value | $176.7M | $202.3M | −$5.4M | $36.4M |
| Net current asset value | $168.5M | $193.7M | −$9.3M | $32.3M |
| Graham number | $2.17 | $4.51 | $4.08 | — |
| Graham net-net per share | $2.26 | $11.21 | −$1.65 | — |
| Capital allocation | ||||
| Dividends paid | $15.9M | $9.3M | $33.4M | $20.6M |
| Dividend payout ratio | 199.2% | 339.1% | 808.3% | 99.7% |
| Dividends + buybacks / free cash flow | 29.8% | 25.0% | 230.3% | 152.6% |
| Capex / revenue | 0.2% | 1.7% | 9.4% | 8.3% |
| Capex / operating cash flow | 0.7% | 7.9% | 51.9% | 47.7% |
| Capex / depreciation | 0.02 | 0.27 | 3.22 | 3.72 |
| Stock-based compensation / revenue | 2.0% | 1.1% | 0.0% | 0.0% |
| SG&A / revenue | 9.4% | 8.6% | 6.6% | 6.6% |
| Efficiency | ||||
| Days sales outstanding | 49.1 | 49.1 | 50.0 | 51.0 |
| Days of inventory on hand | — | — | 75.1 | 139.2 |
| Days payables outstanding | 36.1 | 38.6 | 33.2 | 30.3 |
| Cash conversion cycle (days) | 13.0 | 10.5 | 91.9 | 159.9 |
| Receivables turnover | 7.43 | 7.43 | 7.31 | 7.16 |
| Payables turnover | 10.12 | 9.45 | 11.01 | 12.06 |
| Inventory turnover | — | — | 4.86 | 2.62 |
| Asset turnover | 0.67 | 0.88 | 1.45 | 1.29 |
| Average receivables | $31.5M | $26.1M | $22.9M | $20.6M |
| Average payables | $16.9M | $15.6M | $11.9M | $9.7M |
| Average inventory | — | — | $26.9M | $44.7M |
| Intangibles / total assets | 37.4% | 22.6% | 31.6% | 18.7% |
Computed from TWFG's annual financial statements (latest annual report filed March 10, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
TWFG valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), TWFG traded at 203.4 times earnings. Based on the latest twelve months, the trailing P/E is 43.0 and the forward P/E is 20.2. TWFG earned a return on equity of 10.1% in fiscal 2025. It ended the year with $11.1 million of debt and $155.9 million in cash and short-term investments, a net cash position of $144.8 million. It returned $15.9 million to shareholders: $15.9 million in dividends and $0 in share buybacks, 30% of free cash flow.
See the TWFG income statement, the TWFG chart for price history, or the TWFG stock overview for the latest quote and news.
TWFG key metrics FAQ
What is TWFG's P/E ratio?
TWFG's trailing P/E ratio is 43.0 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 20.2. At the end of fiscal 2025 it was 203.4.
What is TWFG's EV/EBITDA?
TWFG's enterprise value was 23.4 times EBITDA at the end of fiscal 2025 (enterprise value $1.5 billion, EBITDA $63.1 million); the current EV/EBITDA is 3.0.
What is TWFG's return on equity?
TWFG's return on equity (ROE) was 10.1% in fiscal 2025: net income of $8.0 million on average shareholders' equity of $78.5 million.
How much debt does TWFG have?
TWFG had total debt of $11.1 million at the end of fiscal 2025, a debt-to-equity ratio of 0.13 and more cash than debt.
What is TWFG's dividend yield?
TWFG paid $15.9 million in dividends in fiscal 2025 ($0.28 per share), a payout ratio of 199.2%.
What is TWFG's free cash flow yield?
TWFG generated $53.1 million of free cash flow in fiscal 2025, a free cash flow yield of 3.3% on its market value at year-end ($1.6 billion).
What is TWFG's current ratio?
TWFG's current ratio was 68.07 at the end of fiscal 2025: current assets were 68.07 times current liabilities.