TWFG, Financial Statements From 2010 to 2024

TWFG Stock   35.59  2.18  6.52%   
TWFG, financial statements provide useful quarterly and yearly information to potential TWFG, Class A investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on TWFG, financial statements helps investors assess TWFG,'s valuation, profitability, and current liquidity needs. Key fundamental drivers impacting TWFG,'s valuation are summarized below:
Profit Margin
0.1408
Market Capitalization
409.3 M
Enterprise Value Revenue
2.4064
Revenue
187.3 M
Earnings Share
0.4
TWFG, Class A does not currently have any fundamental trend indicators for analysis.
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 Depreciation And Amortization of 4.5 M, Interest Expense of 770.5 K or Selling General Administrative of 11.4 M, as well as many indicators such as Price To Sales Ratio of 1.65, Dividend Yield of 0.12 or PTB Ratio of 8.86. TWFG, financial statements analysis is a perfect complement when working with TWFG, Valuation or Volatility modules.
  
Check out the analysis of TWFG, Correlation against competitors.

TWFG, Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets126.3 M115.4 M115 M
Slightly volatile
Short and Long Term Debt Total35.8 M51.8 M17.4 M
Slightly volatile
Other Current Liabilities20.4 M17.5 M31.4 M
Slightly volatile
Total Current Liabilities32.5 M34.9 M44.6 M
Slightly volatile
Total Stockholder Equity35.5 M31.1 M54.5 M
Slightly volatile
Property Plant And Equipment Net3.3 M3.1 MM
Slightly volatile
Retained Earnings4.6 M4.8 M28.5 M
Slightly volatile
Accounts Payable13.1 M14.1 M10.2 M
Slightly volatile
Cash33.9 M39.3 M24.2 M
Slightly volatile
Non Current Assets Total36.2 M40.3 M27.1 M
Slightly volatile
Non Currrent Assets Other799.2 K837 K1.1 M
Slightly volatile
Long Term Debt30.4 M46.9 M12.4 M
Slightly volatile
Cash And Short Term Investments33.9 M39.3 M24.2 M
Slightly volatile
Net Receivables25.1 M25.1 M21.2 M
Slightly volatile
Common Stock Shares Outstanding12.5 M13.2 M549.2 M
Slightly volatile
Liabilities And Stockholders Equity126.3 M115.4 M115 M
Slightly volatile
Non Current Liabilities Total32.7 M49.5 M14.2 M
Slightly volatile
Capital Lease Obligations2.6 M2.4 M2.3 M
Slightly volatile
Inventory8.7 M9.2 M39.9 M
Slightly volatile
Other Current Assets1.4 M1.6 M1.1 M
Slightly volatile
Other Stockholder Equity20.1 M22.6 M24.6 M
Slightly volatile
Total Liabilities77.4 M84.4 M59.6 M
Slightly volatile
Net Invested Capital82.1 M80.4 M70.4 M
Slightly volatile
Property Plant And Equipment Gross3.3 M3.1 MM
Slightly volatile
Short and Long Term DebtM2.4 M2.6 M
Slightly volatile
Total Current Assets65.5 M75.1 M86.3 M
Slightly volatile
Capital Stock505.6 K568.8 K619.4 K
Slightly volatile
Net Working Capital33 M40.2 M41.6 M
Slightly volatile
Short Term Debt3.6 M3.3 M3.3 M
Slightly volatile
Intangible Assets31.8 M36.4 M23.1 M
Slightly volatile
Common Stock505.6 K568.8 K619.4 K
Slightly volatile
Current Deferred Revenue4.3 M4.8 M5.3 M
Slightly volatile

TWFG, Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization4.5 M4.9 M3.5 M
Slightly volatile
Interest Expense770.5 KM463.2 K
Slightly volatile
Selling General Administrative11.4 M11 M9.9 M
Slightly volatile
Total Revenue173.1 M167 M150.8 M
Slightly volatile
Gross Profit36 M35.2 M30.9 M
Slightly volatile
Other Operating Expenses151.8 M145.4 M133 M
Slightly volatile
Operating Income18.2 M21.6 M23.2 M
Slightly volatile
Net Income From Continuing Ops26.7 M25.3 M23.7 M
Slightly volatile
EBIT18.1 M21.6 M23.2 M
Slightly volatile
EBITDA21.4 M26.5 M26.6 M
Slightly volatile
Cost Of Revenue137.2 M131.8 M119.8 M
Slightly volatile
Total Operating Expenses9.2 M9.9 M12.5 M
Slightly volatile
Reconciled Depreciation4.5 M4.9 M3.5 M
Slightly volatile
Income Before Tax26.7 M25.3 M23.7 M
Slightly volatile
Net Income3.9 M4.1 M18.4 M
Slightly volatile
Income Tax Expense1.4 M878 K2.5 M
Slightly volatile
Tax Provision702.4 K790.2 K860.4 K
Slightly volatile

TWFG, Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow15.4 M14.5 M13.7 M
Slightly volatile
Begin Period Cash Flow34.1 M40.7 M43.7 M
Slightly volatile
Depreciation4.5 M4.9 M3.5 M
Slightly volatile
Other Non Cash Items1.1 M1.5 M667.8 K
Slightly volatile
Dividends Paid29.7 M33.4 M22 M
Slightly volatile
Capital Expenditures15.4 M15.6 M12.7 M
Slightly volatile
Total Cash From Operating Activities30.7 M30.2 M26.4 M
Slightly volatile
Net Income26.7 M25.3 M23.7 M
Slightly volatile
End Period Cash Flow47.9 M46.5 M41.5 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.651.734881.7693
Slightly volatile
Dividend Yield0.120.11530.017
Slightly volatile
PTB Ratio8.869.3296210
Slightly volatile
Days Sales Outstanding42.354.783950.6546
Pretty Stable
Book Value Per Share2.482.35920.4019
Slightly volatile
Free Cash Flow Yield0.05260.05010.0077
Slightly volatile
Operating Cash Flow Per Share2.412.2910.3487
Slightly volatile
Capex To Depreciation3.823.21823.692
Pretty Stable
PB Ratio8.869.3296210
Slightly volatile
EV To Sales1.721.809481.726
Slightly volatile
Free Cash Flow Per Share1.161.10220.1693
Slightly volatile
ROIC0.310.25950.3023
Slightly volatile
Inventory Turnover15.0514.33454.2399
Slightly volatile
Net Income Per Share0.330.3140.0712
Slightly volatile
Days Of Inventory On Hand24.1925.4631124
Slightly volatile
Payables Turnover11.819.380211.9002
Slightly volatile
Sales General And Administrative To Revenue0.05260.06570.0648
Slightly volatile
Capex To Revenue0.07070.09370.083
Very volatile
Cash Per Share3.132.98570.4383
Slightly volatile
POCF Ratio9.139.6071469
Slightly volatile
Interest Coverage20.4721.550354.5466
Slightly volatile
Payout Ratio8.498.08271.9692
Slightly volatile
Capex To Operating Cash Flow0.40.51890.4745
Pretty Stable
PFCF Ratio18.9719.9692897
Slightly volatile
Days Payables Outstanding27.6338.911730.5772
Pretty Stable
Income Quality0.921.19371.097
Pretty Stable
ROE0.260.13310.3354
Slightly volatile
EV To Operating Cash Flow9.5210.0203469
Slightly volatile
PE Ratio66.5970.0926594
Slightly volatile
Return On Tangible Assets0.04970.05230.1993
Slightly volatile
EV To Free Cash Flow19.7920.828896
Slightly volatile
Earnings Yield0.0150.01430.0032
Slightly volatile
Intangibles To Total Assets0.20.31560.1965
Slightly volatile
Current Ratio1.622.15141.9109
Very volatile
Receivables Turnover7.66.66257.1559
Very volatile
Graham Number4.294.08270.7828
Slightly volatile
Shareholders Equity Per Share2.482.35920.4019
Slightly volatile
Debt To Equity1.671.58950.3823
Slightly volatile
Capex Per Share1.251.18880.1794
Slightly volatile
Revenue Per Share13.3212.68741.9366
Slightly volatile
Interest Debt Per Share4.023.82610.5387
Slightly volatile
Debt To Assets0.450.42760.142
Slightly volatile
Enterprise Value Over EBITDA10.8511.4192447
Slightly volatile
Short Term Coverage Ratios8.8512.37349.8602
Pretty Stable
Price Earnings Ratio66.5970.0926594
Slightly volatile
Operating Cycle14880.2469180
Slightly volatile
Price Book Value Ratio8.869.3296210
Slightly volatile
Price Earnings To Growth Ratio0.06590.07410.0807
Slightly volatile
Days Of Payables Outstanding27.6338.911730.5772
Pretty Stable
Dividend Payout Ratio8.498.08271.9692
Slightly volatile
Price To Operating Cash Flows Ratio9.139.6071469
Slightly volatile
Price To Free Cash Flows Ratio18.9719.9692897
Slightly volatile
Pretax Profit Margin0.170.15130.1583
Pretty Stable
Ebt Per Ebit0.861.16870.9867
Very volatile
Operating Profit Margin0.170.12940.1593
Pretty Stable
Effective Tax Rate0.0330.03480.106
Slightly volatile
Company Equity Multiplier2.283.71772.1119
Slightly volatile
Long Term Debt To Capitalization0.630.60180.1916
Slightly volatile
Total Debt To Capitalization0.310.61380.2002
Slightly volatile
Return On Capital Employed0.340.26840.3442
Slightly volatile
Debt Equity Ratio1.671.58950.3823
Slightly volatile
Ebit Per Revenue0.170.12940.1593
Pretty Stable
Quick Ratio1.141.88791.0259
Slightly volatile
Dividend Paid And Capex Coverage Ratio0.770.61470.7721
Slightly volatile
Net Income Per E B T0.160.16360.7868
Slightly volatile
Cash Ratio0.641.12560.5354
Slightly volatile
Cash Conversion Cycle39.2741.3352144
Slightly volatile
Operating Cash Flow Sales Ratio0.140.18060.1724
Slightly volatile
Days Of Inventory Outstanding24.1925.4631124
Slightly volatile
Days Of Sales Outstanding42.354.783950.6546
Pretty Stable
Free Cash Flow Operating Cash Flow Ratio0.550.48110.5222
Very volatile
Cash Flow Coverage Ratios0.580.61092.1088
Slightly volatile
Price To Book Ratio8.869.3296210
Slightly volatile
Fixed Asset Turnover42.154.643350.2974
Pretty Stable
Capital Expenditure Coverage Ratio2.211.92712.0936
Very volatile
Price Cash Flow Ratio9.139.6071469
Slightly volatile
Enterprise Value Multiple10.8511.4192447
Slightly volatile
Debt Ratio0.450.42760.142
Slightly volatile
Cash Flow To Debt Ratio0.580.61092.1088
Slightly volatile
Price Sales Ratio1.651.734881.7693
Slightly volatile
Return On Assets0.0340.03580.1612
Slightly volatile
Asset Turnover1.11.44661.2918
Pretty Stable
Net Profit Margin0.02350.02470.1241
Slightly volatile
Gross Profit Margin0.170.21060.2027
Slightly volatile
Price Fair Value8.869.3296210
Slightly volatile
Return On Equity0.260.13310.3354
Slightly volatile

TWFG, Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap275.2 M289.7 M12.1 B
Slightly volatile
Enterprise Value287 M302.2 M12.1 B
Slightly volatile

TWFG, Fundamental Market Drivers

Forward Price Earnings43.8596
Cash And Short Term Investments39.3 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 Revenue167 M173.1 M
Cost Of Revenue131.8 M137.2 M
Sales General And Administrative To Revenue 0.07  0.05 
Capex To Revenue 0.09  0.07 
Revenue Per Share 12.69  13.32 
Ebit Per Revenue 0.13  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 Portfolio Optimization module to compute new portfolio that will generate highest expected return given your specified tolerance for risk.
Is Multi-line Insurance space expected to grow? Or is there an opportunity to expand the business' product line in the future? 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. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about TWFG, listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.06)
Earnings Share
0.4
Revenue Per Share
290.091
Quarterly Revenue Growth
0.174
The market value of TWFG, Class A is measured differently than its book value, which is the value of TWFG, that is recorded on the company's balance sheet. Investors also form their own opinion of TWFG,'s value that differs from its market value or its book value, called intrinsic value, which is TWFG,'s true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because TWFG,'s market value can be influenced by many factors that don't directly affect TWFG,'s underlying business (such as a pandemic or basic market pessimism), market value can vary widely 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. However, TWFG,'s price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.