TWFG
TWFG, Inc.
27.02
-0.07 (-0.26%)
52w low 16.56
31.42 high
70.4% of range
Financial Analysis
| Ratio | Dec 22 | Dec 23 | Dec 24 | Dec 25 | Trend |
|---|---|---|---|---|---|
| Profitability | |||||
| Gross Margin | 20.7% | 21.7% | 24.0% | 26.8% | |
| Operating Margin | 12.9% | 12.8% | 9.9% | 10.2% | |
| EBITDA Margin | 18.3% | 18.6% | 22.9% | 27.0% | |
| Net Margin | 0.0% | 0.0% | 1.4% | 3.4% | |
| FCF Margin | 9.1% | 8.7% | 8.0% | -3.7% | |
| Returns | |||||
| Return on Equity | 0.0% | 0.0% | 3.7% | 9.6% | |
| Return on Assets | 0.0% | 0.0% | 0.8% | 2.1% | |
| Return on Inv Capital | 34.5% | 32.7% | 38.5% | 47.4% | |
| Liquidity | |||||
| Current Ratio | 1.91x | 2.15x | 6.10x | 5.12x | |
| Quick Ratio | 1.91x | 2.15x | 6.10x | 5.12x | |
| Cash Ratio | 0.48x | 1.13x | 4.94x | 3.54x | |
| Leverage | |||||
| Debt / Equity | 0.23x | 1.67x | 0.14x | 0.10x | |
| Net Debt / EBITDA | -- | 0.32x | -- | -- | |
| Interest Coverage | 59.66x | 26.19x | 14.53x | 155.86x | |
| Equity Multiplier | 1.98x | 3.72x | 4.38x | 4.47x | |
| Efficiency | |||||
| Asset Turnover | 1.29x | 1.45x | 0.60x | 0.63x | |
| Effective Tax Rate | 0.0% | 0.0% | 5.0% | 7.4% | |
| Op CF / Net Income | -- | -- | 14.75x | 6.72x | |
| Investment | |||||
| Capex / Revenue | 8.3% | 9.4% | 12.9% | 26.6% | |
| SG&A / Revenue | 6.6% | 6.6% | 8.6% | 9.4% | |
Revenue CAGR
+16.5%
Net Income CAGR
--
EPS CAGR
--
FCF CAGR
--
Revenue YoY
+20.8%