TWFG, Inc. Class A (TWFG) Ratios

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TWFG, Inc. Class A Ratios

TWFG's free cash flow for Q1 2026 was $0.32. For the 2026 fiscal year, TWFG's free cash flow was decreased by $ and operating cash flow was $0.20. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23
Liquidity Ratios
Current Ratio	3.42	68.07	6.10	2.15
Quick Ratio	3.42	68.07	6.10	2.15
Cash Ratio	2.12	47.37	4.94	1.13
Solvency Ratio	0.46	0.47	0.31	0.06
Operating Cash Flow Ratio	1.03	16.25	1.02	0.86
Short-Term Operating Cash Flow Coverage	18.87	16.25	21.17	12.37
Net Current Asset Value	$ 136.65M	$ 168.50M	$ 193.71M	$ -9.28M
Leverage Ratios
Debt-to-Assets Ratio	0.02	0.03	0.03	0.45
Debt-to-Equity Ratio	0.11	0.13	0.14	1.67
Debt-to-Capital Ratio	0.10	0.12	0.12	0.63
Long-Term Debt-to-Capital Ratio	0.02	0.06	0.05	0.60
Financial Leverage Ratio	5.37	4.46	4.38	3.72
Debt Service Coverage Ratio	19.80	16.71	10.36	9.05
Interest Coverage Ratio	136.41	83.18	12.56	25.32
Debt to Market Cap	0.02	0.02	0.01	0.17
Interest Debt Per Share	0.53	0.76	0.85	4.01
Net Debt to EBITDA	-1.64	-2.30	-4.18	0.40
Profitability Margins
Gross Profit Margin	29.21%	26.84%	24.04%	21.66%
EBIT Margin	20.16%	19.12%	16.68%	15.73%
EBITDA Margin	28.46%	26.96%	22.88%	18.64%
Operating Profit Margin	14.23%	10.20%	14.42%	15.21%
Pretax Profit Margin	20.06%	19.00%	15.53%	15.13%
Net Profit Margin	3.29%	3.40%	1.42%	0.00%
Continuous Operations Profit Margin	18.58%	17.60%	14.76%	15.13%
Net Income Per EBT	16.39%	17.92%	9.12%	0.00%
EBT Per EBIT	140.96%	186.16%	107.74%	99.49%
Return on Assets (ROA)	5.31%	2.15%	0.85%	0.00%
Return on Equity (ROE)	25.40%	9.58%	3.72%	0.00%
Return on Capital Employed (ROCE)	11.62%	6.49%	9.84%	31.53%
Return on Invested Capital (ROIC)	10.66%	5.96%	9.26%	30.28%
Return on Tangible Assets	9.40%	3.43%	1.10%	0.00%
Earnings Yield	6.97%	1.84%	0.60%	0.00%
Efficiency Ratios
Receivables Turnover	6.99	6.52	7.16	6.66
Payables Turnover	0.00	0.00	8.61	9.31
Inventory Turnover	0.00	0.00	0.00	0.00
Fixed Asset Turnover	33.95	31.21	24.24	54.64
Asset Turnover	0.69	0.63	0.60	1.45
Working Capital Turnover Ratio	1.40	1.11	1.60	4.04
Cash Conversion Cycle	52.23	56.00	8.63	15.57
Days of Sales Outstanding	52.23	56.00	51.00	54.78
Days of Inventory Outstanding	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	42.37	39.21
Operating Cycle	52.23	56.00	51.00	54.78
Cash Flow Ratios
Operating Cash Flow Per Share	4.09	3.56	2.74	2.29
Free Cash Flow Per Share	3.06	3.54	2.52	1.10
CapEx Per Share	1.04	0.02	0.22	1.19
Free Cash Flow to Operating Cash Flow	0.75	0.99	0.92	0.48
Dividend Paid and CapEx Coverage Ratio	2.08	150.28	3.24	0.61
Capital Expenditure Coverage Ratio	3.95	150.28	12.65	1.93
Operating Cash Flow Coverage Ratio	8.02	4.81	3.93	0.58
Operating Cash Flow to Sales Ratio	0.24	0.23	0.21	0.18
Free Cash Flow Yield	16.66%	12.30%	8.19%	5.01%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	31.22	54.27	165.75	0.00
Price-to-Sales (P/S) Ratio	0.99	1.85	2.35	1.73
Price-to-Book (P/B) Ratio	3.78	5.20	6.16	9.33
Price-to-Free Cash Flow (P/FCF) Ratio	5.55	8.13	12.21	19.97
Price-to-Operating Cash Flow Ratio	4.32	8.08	11.24	9.61
Price-to-Earnings Growth (PEG) Ratio	-1.01	0.30	-4.28	0.00
Price-to-Fair Value	3.78	5.20	6.16	9.33
Enterprise Value Multiple	1.85	4.55	6.08	9.71
Enterprise Value	152.80M	287.34M	269.51M	302.15M
EV to EBITDA	2.11	4.55	6.08	9.71
EV to Sales	0.60	1.23	1.39	1.81
EV to Free Cash Flow	3.38	5.41	7.23	20.83
EV to Operating Cash Flow	2.52	5.37	6.66	10.02
Tangible Book Value Per Share	9.79	11.76	13.70	-0.41
Shareholders’ Equity Per Share	4.68	5.53	5.00	2.36
Tax and Other Ratios
Effective Tax Rate	0.07	0.07	0.05	0.00
Revenue Per Share	17.24	15.58	13.11	12.69
Net Income Per Share	0.57	0.53	0.19	0.00
Tax Burden	0.39	0.18	0.09	0.00
Interest Burden	1.38	0.99	0.93	0.96
Research & Development to Revenue	0.00	0.00	0.00	0.00
SG&A to Revenue	0.07	0.09	0.09	0.07
Stock-Based Compensation to Revenue	0.02	0.02	0.01	0.00
Income Quality	1.28	1.30	1.42	1.19

Currency in USD