TWFG Financial Statements From 2010 to 2026

TWFG Stock   20.38  0.07  0.34%   
TWFG's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing TWFG's valuation are provided below:
Gross Profit
194.7 M
Profit Margin
0.0287
Market Capitalization
305.2 M
Enterprise Value Revenue
0.7507
Revenue
230 M
There are over one hundred nineteen available fundamental trend indicators for TWFG Class A, which can be analyzed over time and compared to other ratios. Active traders should verify all of TWFG Class A current fundamental drivers against the trend between 2010 and 2026 to make sure the company can sustain itself for the next two years.

TWFG Total Revenue

186.45 Million

Check TWFG financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among TWFG's main balance sheet or income statement drivers, such as Tax Provision of 870.1 K, Net Interest Income of 2.6 M or Interest Income of 5.3 M, as well as many indicators such as Price To Sales Ratio of 2.57, Dividend Yield of 0.0366 or PTB Ratio of 6.73. TWFG financial statements analysis is a perfect complement when working with TWFG Valuation or Volatility modules.
  
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Check out the analysis of TWFG Correlation against competitors.

TWFG Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets202.8 M371.9 M146.9 M
Slightly volatile
Short and Long Term Debt Total8.8 M9.3 M14.9 M
Pretty Stable
Other Current Liabilities18.4 M16.3 M29.6 M
Slightly volatile
Total Current Liabilities32.2 M35.7 M43.8 M
Slightly volatile
Total Stockholder Equity59.7 M85 M58.9 M
Pretty Stable
Property Plant And Equipment Net5.1 M9.2 M3.7 M
Slightly volatile
Retained Earnings13.9 M13.8 M27.4 M
Slightly volatile
Accounts Payable15 M19.6 M11.3 M
Slightly volatile
Cash236.4 M225.1 M58.1 M
Slightly volatile
Non Current Assets Total54 M93.8 M35.3 M
Slightly volatile
Non Currrent Assets Other695.5 K549 KM
Slightly volatile
Long Term Debt3.4 M3.6 M9.8 M
Pretty Stable
Cash And Short Term Investments236.4 M225.1 M58.1 M
Slightly volatile
Net Receivables26.7 M31.1 M22.3 M
Slightly volatile
Common Stock Shares Outstanding12.8 M13.5 M486.3 M
Slightly volatile
Liabilities And Stockholders Equity202.8 M371.9 M146.9 M
Slightly volatile
Non Current Liabilities Total7.3 M7.7 M12 M
Pretty Stable
Capital Lease Obligations3.3 MM2.7 M
Slightly volatile
Inventory7.9 M8.3 M36.2 M
Slightly volatile
Other Current Assets11.3 M21.9 M4.5 M
Slightly volatile
Other Stockholder Equity39.8 M67.1 M30.4 M
Slightly volatile
Total Liabilities50.4 M43.3 M56.4 M
Very volatile
Net Invested Capital84 M91.8 M72.4 M
Slightly volatile
Property Plant And Equipment Gross5.1 M9.2 M3.7 M
Slightly volatile
Short and Long Term Debt1.9 M1.7 M2.5 M
Slightly volatile
Total Current Assets148.7 M278.1 M111.6 M
Slightly volatile
Capital Stock126.5 K133.2 K544.5 K
Slightly volatile
Net Working Capital244.2 M232.6 M74.7 M
Slightly volatile
Short Term Debt2.5 M2.6 M3.2 M
Slightly volatile
Intangible Assets47.9 M83.9 M30.5 M
Slightly volatile
Common Stock126.5 K133.2 K544.5 K
Slightly volatile
Current Deferred Revenue4.3 M4.8 M5.3 M
Slightly volatile
Non Current Liabilities Other19.2 K21.6 K23.6 K
Slightly volatile

TWFG Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Interest Income5.3 MM951.8 K
Slightly volatile
Depreciation And Amortization7.4 M13.8 M4.8 M
Slightly volatile
Interest Expense1.3 M2.6 M722.7 K
Slightly volatile
Selling General Administrative13.7 M19.2 M11 M
Slightly volatile
Total Revenue186.4 M222.8 M158.3 M
Slightly volatile
Gross Profit41.6 M53.6 M33.9 M
Slightly volatile
Other Operating Expenses158.2 M190.7 M133.5 M
Slightly volatile
Operating Income28.2 M32.1 M24.8 M
Slightly volatile
Net Income From Continuing Ops28.3 M32.9 M24.6 M
Slightly volatile
EBIT30.2 M37.2 M25.6 M
Slightly volatile
EBITDA37.6 M51 M30.3 M
Slightly volatile
Cost Of Revenue144.9 M169.2 M124.4 M
Slightly volatile
Total Operating Expenses13.3 M21.4 M9.1 M
Slightly volatile
Reconciled Depreciation7.4 M13.8 M4.8 M
Slightly volatile
Income Before Tax28.9 M34.6 M24.8 M
Slightly volatile
Net Income2.3 M2.5 M16.5 M
Slightly volatile
Income Tax Expense1.4 M1.3 M2.4 M
Slightly volatile

TWFG Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow23.9 M42.9 M17.3 M
Slightly volatile
Begin Period Cash Flow48.3 M53.4 M45.3 M
Slightly volatile
Depreciation7.4 M13.8 M4.8 M
Slightly volatile
Other Non Cash Items1.6 M945 K2.9 M
Slightly volatile
Dividends PaidM8.4 M19.2 M
Slightly volatile
Capital Expenditures2.7 M2.9 M10.8 M
Slightly volatile
Total Cash From Operating Activities35.3 M46.6 M28.7 M
Slightly volatile
Net Income28.3 M32.9 M24.6 M
Slightly volatile
End Period Cash Flow247.9 M236.1 M74.4 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.572.772.5005
Slightly volatile
Dividend Yield0.03660.01840.0124
Slightly volatile
PTB Ratio6.737.08186
Slightly volatile
Days Sales Outstanding41.845.950.3657
Slightly volatile
Book Value Per Share17.6116.773.3273
Slightly volatile
Free Cash Flow Yield0.07740.07370.0174
Slightly volatile
Operating Cash Flow Per Share1.352.470.5518
Slightly volatile
Stock Based Compensation To Revenue0.00920.01030.0113
Slightly volatile
Capex To Depreciation0.290.313.0839
Slightly volatile
PB Ratio6.737.08186
Slightly volatile
EV To Sales1.521.672.2754
Slightly volatile
Free Cash Flow Per Share2.382.270.5031
Slightly volatile
ROIC0.10.110.2907
Slightly volatile
Inventory Turnover2.12.362.5767
Slightly volatile
Net Income Per Share0.150.170.1828
Slightly volatile
Days Of Inventory On Hand111125137
Slightly volatile
Payables Turnover10.999.9111.5061
Slightly volatile
Sales General And Administrative To Revenue0.0580.07740.0671
Slightly volatile
Capex To Revenue0.01810.0190.0722
Slightly volatile
Cash Per Share12.5211.932.4205
Slightly volatile
POCF Ratio12.2812.93416
Slightly volatile
Interest Coverage13.7214.4549.4543
Slightly volatile
Payout Ratio2.713.053.3305
Slightly volatile
Capex To Operating Cash Flow0.08640.09090.4102
Slightly volatile
PFCF Ratio13.3314.04793
Slightly volatile
Days Payables Outstanding29.8238.1331.9399
Slightly volatile
Income Quality0.991.271.13
Slightly volatile
ROE0.02980.03340.0365
Slightly volatile
EV To Operating Cash Flow7.277.66414
Slightly volatile
PE Ratio133149163
Slightly volatile
Return On Tangible Assets0.00880.00990.0108
Slightly volatile
EV To Free Cash Flow7.98.31791
Slightly volatile
Earnings Yield0.00480.00540.0059
Slightly volatile
Intangibles To Total Assets0.190.20.1978
Slightly volatile
Current Ratio5.775.492.6123
Slightly volatile
Receivables Turnover7.698.237.2245
Slightly volatile
Graham Number3.664.124.4926
Slightly volatile
Shareholders Equity Per Share4.734.51.0459
Slightly volatile
Debt To Equity0.150.160.3006
Pretty Stable
Capex Per Share0.380.20.1317
Slightly volatile
Revenue Per Share6.9411.82.799
Slightly volatile
Interest Debt Per Share1.30.760.4234
Slightly volatile
Debt To Assets0.03480.03660.1216
Very volatile
Enterprise Value Over EBITDA6.646.99395
Slightly volatile
Short Term Coverage Ratios11.5419.0511.2244
Slightly volatile
Price Earnings Ratio133149163
Slightly volatile
Operating Cycle10858.65161
Slightly volatile
Price Book Value Ratio6.737.08186
Slightly volatile
Days Of Payables Outstanding29.8238.1331.9399
Slightly volatile
Dividend Payout Ratio2.713.053.3305
Slightly volatile
Price To Operating Cash Flows Ratio12.2812.93416
Slightly volatile
Price To Free Cash Flows Ratio13.3314.04793
Slightly volatile
Pretax Profit Margin0.170.180.1594
Slightly volatile
Ebt Per Ebit0.820.970.98
Pretty Stable
Operating Profit Margin0.170.14420.1601
Very volatile
Effective Tax Rate0.03980.04470.0488
Slightly volatile
Company Equity Multiplier2.693.942.3768
Slightly volatile
Long Term Debt To Capitalization0.05620.05920.1418
Very volatile
Total Debt To Capitalization0.130.140.203
Pretty Stable
Return On Capital Employed0.110.09840.3047
Slightly volatile
Debt Equity Ratio0.150.160.3006
Pretty Stable
Ebit Per Revenue0.170.14420.1601
Very volatile
Quick Ratio5.775.491.8751
Slightly volatile
Dividend Paid And Capex Coverage Ratio3.062.911.1775
Slightly volatile
Net Income Per E B T0.0730.08210.0896
Slightly volatile
Cash Ratio4.674.451.2619
Slightly volatile
Cash Conversion Cycle9.439.92125
Slightly volatile
Operating Cash Flow Sales Ratio0.150.190.1762
Pretty Stable
Days Of Inventory Outstanding111125137
Slightly volatile
Days Of Sales Outstanding41.845.950.3657
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.510.830.5614
Slightly volatile
Cash Flow Coverage Ratios3.713.542.1718
Slightly volatile
Price To Book Ratio6.737.08186
Slightly volatile
Fixed Asset Turnover47.4827.8847.7623
Slightly volatile
Capital Expenditure Coverage Ratio11.9511.383.8335
Slightly volatile
Price Cash Flow Ratio12.2812.93416
Slightly volatile
Enterprise Value Multiple6.646.99395
Slightly volatile
Debt Ratio0.03480.03660.1216
Very volatile
Cash Flow To Debt Ratio3.713.542.1718
Slightly volatile
Price Sales Ratio2.572.772.5005
Slightly volatile
Return On Assets0.00680.00760.0083
Slightly volatile
Asset Turnover1.220.691.2227
Slightly volatile
Net Profit Margin0.01140.01280.0139
Slightly volatile
Gross Profit Margin0.180.220.2089
Pretty Stable
Price Fair Value6.737.08186
Slightly volatile
Return On Equity0.02980.03340.0365
Slightly volatile

TWFG Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap316.5 M333.1 M10.7 B
Slightly volatile
Enterprise Value330.1 M347.5 M10.7 B
Slightly volatile

TWFG Fundamental Market Drivers

Forward Price Earnings23.4192
Cash And Short Term Investments195.8 M

About TWFG Financial Statements

TWFG stakeholders use historical fundamental indicators, such as TWFG's revenue or net income, to determine how well the company is positioned to perform in the future. Although TWFG investors may analyze each financial statement separately, they are all interrelated. For example, changes in TWFG's assets and liabilities are reflected in the revenues and expenses on TWFG's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in TWFG Class A. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Current Deferred Revenue4.8 M4.3 M
Total Revenue222.8 M186.4 M
Cost Of Revenue169.2 M144.9 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.08  0.06 
Capex To Revenue 0.02  0.02 
Revenue Per Share 11.80  6.94 
Ebit Per Revenue 0.14  0.17 

Currently Active Assets on Macroaxis

When determining whether TWFG Class A is a strong investment it is important to analyze TWFG's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact TWFG's future performance. For an informed investment choice regarding TWFG Stock, refer to the following important reports:
Check out the analysis of TWFG Correlation against competitors.
You can also try the Transaction History module to view history of all your transactions and understand their impact on performance.
Can Multi-line Insurance industry sustain growth momentum? Does TWFG have expansion opportunities? Factors like these will boost the valuation of TWFG. If investors know TWFG will grow in the future, the company's valuation will be higher. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating TWFG demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth
0.462
Earnings Share
0.44
Revenue Per Share
15.405
Quarterly Revenue Growth
0.213
Return On Assets
0.0552
Investors evaluate TWFG Class A using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating TWFG's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. External factors like market trends, sector rotation, and investor psychology can cause TWFG's market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between TWFG's value and its price as these two are different measures arrived at by different means. Investors typically determine if TWFG is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, TWFG's market price signifies the transaction level at which participants voluntarily complete trades.