TWFG, Inc. Class A (TWFG) Ratios

23 Followers

TWFG, Inc. Class A Ratios

TWFG's free cash flow for Q4 2025 was $0.56. For the 2025 fiscal year, TWFG's free cash flow was decreased by $ and operating cash flow was $0.25. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23
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	16.31	17.35	10.36	9.05
Interest Coverage Ratio	129.25	239.33	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	-2.30	-4.18	0.40
Profitability Margins
Gross Profit Margin	33.38%	31.45%	24.04%	21.66%
EBIT Margin	18.51%	18.01%	16.68%	15.73%
EBITDA Margin	26.35%	25.40%	22.88%	18.64%
Operating Profit Margin	15.86%	14.94%	14.42%	15.21%
Pretax Profit Margin	19.00%	17.90%	15.53%	15.13%
Net Profit Margin	3.40%	3.21%	1.42%	0.00%
Continuous Operations Profit Margin	17.60%	16.58%	14.76%	15.13%
Net Income Per EBT	17.92%	17.92%	9.12%	0.00%
EBT Per EBIT	119.81%	119.81%	107.74%	99.49%
Return on Assets (ROA)	2.15%	2.15%	0.85%	0.00%
Return on Equity (ROE)	10.07%	9.58%	3.72%	0.00%
Return on Capital Employed (ROCE)	10.09%	10.09%	9.84%	31.53%
Return on Invested Capital (ROIC)	9.26%	9.26%	9.26%	30.28%
Return on Tangible Assets	3.43%	3.43%	1.10%	0.00%
Earnings Yield	2.65%	1.84%	0.60%	0.00%
Efficiency Ratios
Receivables Turnover	6.52	6.92	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	31.21	33.13	24.24	54.64
Asset Turnover	0.63	0.67	0.60	1.45
Working Capital Turnover Ratio	1.21	1.17	1.60	4.04
Cash Conversion Cycle	56.00	52.76	8.63	15.57
Days of Sales Outstanding	56.00	52.76	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	56.00	52.76	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	0.23	0.22	0.21	0.18
Free Cash Flow Yield	15.35%	12.30%	8.19%	5.01%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	37.73	54.27	165.75	0.00
Price-to-Sales (P/S) Ratio	1.28	1.74	2.35	1.73
Price-to-Book (P/B) Ratio	3.62	5.20	6.16	9.33
Price-to-Free Cash Flow (P/FCF) Ratio	6.52	8.13	12.21	19.97
Price-to-Operating Cash Flow Ratio	5.62	8.08	11.24	9.61
Price-to-Earnings Growth (PEG) Ratio	-1.12	0.30	-4.28	0.00
Price-to-Fair Value	3.62	5.20	6.16	9.33
Enterprise Value Multiple	2.53	4.55	6.08	9.71
Enterprise Value	155.77M	287.34M	269.51M	302.15M
EV to EBITDA	2.53	4.55	6.08	9.71
EV to Sales	0.67	1.16	1.39	1.81
EV to Free Cash Flow	3.38	5.41	7.23	20.83
EV to Operating Cash Flow	2.91	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	15.58	16.53	13.11	12.69
Net Income Per Share	0.53	0.53	0.19	0.00
Tax Burden	0.18	0.18	0.09	0.00
Interest Burden	1.03	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