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TWFG, Inc. Class A (TWFG)
NASDAQ:TWFG
US Market

TWFG, Inc. Class A (TWFG) Ratios

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TWFG, Inc. Class A Ratios

TWFG's free cash flow for Q4 2025 was $2.95. For the 2025 fiscal year, TWFG's free cash flow was decreased by $ and operating cash flow was $0.19. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
68.07 68.07 6.10 2.15
Quick Ratio
68.07 68.07 6.10 2.15
Cash Ratio
47.37 47.37 4.94 1.13
Solvency Ratio
0.47 0.47 0.31 0.06
Operating Cash Flow Ratio
16.25 16.25 1.02 0.86
Short-Term Operating Cash Flow Coverage
16.25 16.25 21.17 12.37
Net Current Asset Value
$ 168.50M$ 168.50M$ 193.71M$ -9.28M
Leverage Ratios
Debt-to-Assets Ratio
0.03 0.03 0.03 0.45
Debt-to-Equity Ratio
0.13 0.13 0.14 1.67
Debt-to-Capital Ratio
0.12 0.12 0.12 0.63
Long-Term Debt-to-Capital Ratio
0.06 0.06 0.05 0.60
Financial Leverage Ratio
4.46 4.46 4.38 3.72
Debt Service Coverage Ratio
16.34 16.96 10.36 9.05
Interest Coverage Ratio
124.71 231.27 12.56 25.32
Debt to Market Cap
0.03 0.02 0.01 0.17
Interest Debt Per Share
0.76 0.75 0.85 4.01
Net Debt to EBITDA
-2.35 -2.35 -4.18 0.40
Profitability Margins
Gross Profit Margin
111.26%31.11%24.04%21.66%
EBIT Margin
17.22%17.53%16.68%15.73%
EBITDA Margin
24.51%24.95%22.88%18.64%
Operating Profit Margin
14.23%14.51%14.42%15.21%
Pretax Profit Margin
17.10%17.41%15.53%15.13%
Net Profit Margin
3.05%3.11%1.42%0.00%
Continuous Operations Profit Margin
15.84%16.12%14.76%15.13%
Net Income Per EBT
17.83%17.84%9.12%0.00%
EBT Per EBIT
120.19%119.99%107.74%99.49%
Return on Assets (ROA)
2.07%2.07%0.85%0.00%
Return on Equity (ROE)
9.70%9.23%3.72%0.00%
Return on Capital Employed (ROCE)
9.74%9.75%9.84%31.53%
Return on Invested Capital (ROIC)
8.94%8.95%9.26%30.28%
Return on Tangible Assets
3.30%3.30%1.10%0.00%
Earnings Yield
2.62%1.78%0.60%0.00%
Efficiency Ratios
Receivables Turnover
7.01 6.88 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
33.55 32.96 24.24 54.64
Asset Turnover
0.68 0.67 0.60 1.45
Working Capital Turnover Ratio
1.30 1.17 1.60 4.04
Cash Conversion Cycle
52.09 53.02 8.63 15.57
Days of Sales Outstanding
52.09 53.02 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
52.09 53.02 51.00 54.78
Cash Flow Ratios
Operating Cash Flow Per Share
3.56 3.56 2.74 2.29
Free Cash Flow Per Share
3.07 3.54 2.52 1.10
CapEx Per Share
0.49 0.02 0.22 1.19
Free Cash Flow to Operating Cash Flow
0.86 0.99 0.92 0.48
Dividend Paid and CapEx Coverage Ratio
1.47 150.28 3.24 0.61
Capital Expenditure Coverage Ratio
7.26 150.28 12.65 1.93
Operating Cash Flow Coverage Ratio
4.81 4.81 3.93 0.58
Operating Cash Flow to Sales Ratio
0.21 0.22 0.21 0.18
Free Cash Flow Yield
15.77%12.30%8.19%5.01%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
38.10 56.33 165.75 0.00
Price-to-Sales (P/S) Ratio
1.16 1.75 2.35 1.73
Price-to-Book (P/B) Ratio
3.52 5.20 6.16 9.33
Price-to-Free Cash Flow (P/FCF) Ratio
6.34 8.13 12.21 19.97
Price-to-Operating Cash Flow Ratio
5.46 8.08 11.24 9.61
Price-to-Earnings Growth (PEG) Ratio
-1.05 0.31 -4.28 0.00
Price-to-Fair Value
3.52 5.20 6.16 9.33
Enterprise Value Multiple
2.39 4.66 6.08 9.71
Enterprise Value
147.66M 287.34M 269.51M 302.15M
EV to EBITDA
2.39 4.66 6.08 9.71
EV to Sales
0.59 1.16 1.39 1.81
EV to Free Cash Flow
3.20 5.41 7.23 20.83
EV to Operating Cash Flow
2.76 5.37 6.66 10.02
Tangible Book Value Per Share
11.76 11.76 13.70 -0.41
Shareholders’ Equity Per Share
5.53 5.53 5.00 2.36
Tax and Other Ratios
Effective Tax Rate
0.07 0.07 0.05 0.00
Revenue Per Share
16.75 16.45 13.11 12.69
Net Income Per Share
0.51 0.51 0.19 0.00
Tax Burden
0.18 0.18 0.09 0.00
Interest Burden
0.99 0.99 0.93 0.96
Research & Development to Revenue
0.00 0.00 0.00 0.00
SG&A to Revenue
0.04 0.04 0.09 0.07
Stock-Based Compensation to Revenue
0.02 0.02 0.01 0.00
Income Quality
1.30 1.30 1.42 1.19
Currency in USD