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TWFG, Inc. (TWFG)
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| Price date | EPS fiscal end | Basic P/E (×) | Diluted P/E (×) | P/S (×) | P/FCF (×) |
|---|
Profit margins
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TWFG, Inc. (TWFG) · Nasdaq · USD · Sector unavailable · CIK 0002007596
Annual coverage: 2022-12-31–2025-12-31 (4 periods). Financial snapshot built 2026-10-09.
TWFG annual financial history
All stored annual observations, independent of the chart window. Per-share amounts in USD. Unavailable values are not zero.
See the calculation and limitations.
| Fiscal year / end | Basic EPS | Diluted EPS | FCF / share | Dividends / share | Fiscal-year dividend yield | Filing sources |
|---|---|---|---|---|---|---|
| 2025 2025-12-31 | 0.53 | 0.53 | 3.52 | Unavailable | Unavailable | Basic EPS (2026-03-10) Diluted EPS (2026-03-10) Operating cash flow (2026-03-10) · Capex (2026-03-10) |
| 2024 2024-12-31 | 0.19 | 0.19 | 2.49 | Unavailable | Unavailable | Basic EPS (2026-03-10) Diluted EPS (2026-03-10) Operating cash flow (2026-03-10) · Capex (2026-03-10) |
| 2023 2023-12-31 | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Operating cash flow (2026-03-10) · Capex (2026-03-10) |
| 2022 2022-12-31 | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Operating cash flow (2025-03-27) · Capex (2025-03-27) |
Annual per-share context (USD/share)
Complete annual history, independent of chart loading and range. Revenue/share is annual revenue per average diluted share. Debt/share is borrowings per year-end common share, excluding leases. Missing inputs remain unavailable. Metric definitions.
| Fiscal end | Revenue / share | Total debt / share | Inputs & filing sources |
|---|---|---|---|
| 2025-12-31 | 16.46 | Unavailable | Inputs & filingsrevenue: 248512000; averageDilutedShares: 15100190; totalDebt: No supported complete debt aggregate or non-overlapping borrowing components; leases excluded; periodEndShares: No positive common shares on the exact fiscal-end date revenue (2026-03-10)averageDilutedShares (2026-03-10) |
| 2024-12-31 | 13.60 | Unavailable | Inputs & filingsrevenue: 203760000; averageDilutedShares: 14982409; totalDebt: Borrowing components do not come from the same filing; periodEndShares: No positive common shares on the exact fiscal-end date revenue (2026-03-10)averageDilutedShares (2026-03-10) |
| 2023-12-31 | Unavailable | Unavailable | Inputs & filingsrevenue: 172043000; averageDilutedShares: No positive shares on the exact annual duration; totalDebt: 53174000; periodEndShares: No positive common shares on the exact fiscal-end date revenue (2026-03-10)totalDebt component 1 (2025-03-27) · totalDebt component 2 (2025-03-27) · totalDebt component 3 (2025-03-27) |
| 2022-12-31 | Unavailable | Unavailable | Inputs & filingsrevenue: 153875000; averageDilutedShares: No positive shares on the exact annual duration; totalDebt: No supported complete debt aggregate or non-overlapping borrowing components; leases excluded; periodEndShares: No positive common shares on the exact fiscal-end date revenue (2025-03-27) |
Annual returns and cash generation (%)
Complete annual history, independent of chart loading and range. FCF margin and FCF / net income use matching annual totals. ROCE uses positive exact opening and closing capital-employed bases. Inputs, scopes and unavailable reasons are disclosed below. Missing inputs remain unavailable. Metric definitions.
| Fiscal end | FCF margin (%) | FCF / net income (%) | ROCE (%) | Inputs & filing sources |
|---|---|---|---|---|
| 2025-12-31 | 21.39 | 129.10 | 12.09 | Inputs & filingsCalculation inputs: {"original":{"fcfTotal":{"value":53145000,"capex":{"accession":"0001628280-26-016162","end":"2025-12-31","filed":"2026-03-10","form":"10-K","start":"2025-01-01","tag":"PaymentsToAcquirePropertyPlantAndEquipment","unit":"USD"},"ocf":{"accession":"0001628280-26-016162","end":"2025-12-31","filed":"2026-03-10","form":"10-K","start":"2025-01-01","tag":"NetCashProvidedByUsedInOperatingActivities","unit":"USD"}},"revenue":{"value":248512000,"tag":"RevenueFromContractWithCustomerExcludingAssessedTax","unit":"USD","start":"2025-01-01","end":"2025-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"netIncome":{"value":41166000,"tag":"ProfitLoss","unit":"USD","start":"2025-01-01","end":"2025-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"operatingIncome":{"value":36985000,"tag":"OperatingIncomeLoss","unit":"USD","start":"2025-01-01","end":"2025-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"openingAssets":{"value":323428000,"tag":"Assets","unit":"USD","start":null,"end":"2024-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"openingCurrentLiabilities":{"value":39617000,"tag":"LiabilitiesCurrent","unit":"USD","start":null,"end":"2024-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"openingCapitalEmployed":{"value":283811000,"inputNames":["openingAssets","openingCurrentLiabilities"]},"openingParentEquity":{"value":73884000,"tag":"StockholdersEquity","unit":"USD","start":null,"end":"2024-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"openingTotalEquity":{"value":275286000,"tag":"StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest","unit":"USD","start":null,"end":"2024-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"openingCash":{"value":195772000,"tag":"CashAndCashEquivalentsAtCarryingValue","unit":"USD","start":null,"end":"2024-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"openingBorrowings":{"value":null,"reason":"Borrowing components do not come from the same filing"},"openingInvestedCapital":{"value":null,"inputNames":["openingBorrowings","openingTotalEquity","openingCash"],"reason":"Exact complete borrowings, consolidated equity and cash missing, ambiguous or from different filings at 2024-12-31"},"openingPreferredEquity":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"openingPreferredShares":{"value":0,"tag":"PreferredStockSharesOutstanding","unit":"shares","start":null,"end":"2024-12-31","filed":"2025-03-27","accession":"0001628280-25-015138","form":"10-K"},"openingCommonEquity":{"value":null,"inputNames":["openingParentEquity","openingPreferredShares"],"reason":"Common equity scope requires explicit preferred carrying value or zero preferred shares; absence is not zero"},"closingAssets":{"value":372335000,"tag":"Assets","unit":"USD","start":null,"end":"2025-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"closingCurrentLiabilities":{"value":44084000,"tag":"LiabilitiesCurrent","unit":"USD","start":null,"end":"2025-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"closingCapitalEmployed":{"value":328251000,"inputNames":["closingAssets","closingCurrentLiabilities"]},"closingParentEquity":{"value":83382000,"tag":"StockholdersEquity","unit":"USD","start":null,"end":"2025-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"closingTotalEquity":{"value":298749000,"tag":"StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest","unit":"USD","start":null,"end":"2025-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"closingCash":{"value":155926000,"tag":"CashAndCashEquivalentsAtCarryingValue","unit":"USD","start":null,"end":"2025-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"closingBorrowings":{"value":null,"reason":"No supported complete debt aggregate or non-overlapping borrowing components; leases excluded"},"closingInvestedCapital":{"value":null,"inputNames":["closingBorrowings","closingTotalEquity","closingCash"],"reason":"Exact complete borrowings, consolidated equity and cash missing, ambiguous or from different filings at 2025-12-31"},"closingPreferredEquity":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"closingPreferredShares":{"value":0,"tag":"PreferredStockSharesOutstanding","unit":"shares","start":null,"end":"2025-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"closingCommonEquity":{"value":83382000,"inputNames":["closingParentEquity","closingPreferredShares"]},"commonNetIncome":{"value":7963000,"tag":"NetIncomeLossAvailableToCommonStockholdersBasic","unit":"USD","start":"2025-01-01","end":"2025-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"incomeTaxExpense":{"value":3279000,"tag":"IncomeTaxExpenseBenefit","unit":"USD","start":"2025-01-01","end":"2025-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"pretaxIncome":{"value":44445000,"tag":"IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest","unit":"USD","start":"2025-01-01","end":"2025-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"effectiveTaxRate":{"value":0.07377657779277759,"inputNames":["incomeTaxExpense","pretaxIncome"]},"nopat":{"value":34256373.270334125,"inputNames":["operatingIncome","effectiveTaxRate"]},"averageInvestedCapital":{"value":null,"inputNames":["openingInvestedCapital","closingInvestedCapital"]},"averageCapitalEmployed":{"value":306031000,"inputNames":["openingCapitalEmployed","closingCapitalEmployed"]},"averageCommonEquity":{"value":null,"inputNames":["openingCommonEquity","closingCommonEquity"]}},"recovered":{}}; fcfMargin: 21.385285217615248; cashConversion: 129.09925666812418; roce: 12.085376971613988 fcfMargin component 1 (2026-03-10) · fcfMargin component 2 (2026-03-10) · fcfMargin component 3 (2026-03-10)cashConversion component 1 (2026-03-10) · cashConversion component 2 (2026-03-10) · cashConversion component 3 (2026-03-10) roce component 1 (2026-03-10) · roce component 2 (2026-03-10) · roce component 3 (2026-03-10) · roce component 4 (2026-03-10) · roce component 5 (2026-03-10) |
| 2024-12-31 | 18.30 | 130.38 | 15.33 | Inputs & filingsCalculation inputs: {"original":{"fcfTotal":{"value":37278000,"capex":{"accession":"0001628280-26-016162","end":"2024-12-31","filed":"2026-03-10","form":"10-K","start":"2024-01-01","tag":"PaymentsToAcquirePropertyPlantAndEquipment","unit":"USD"},"ocf":{"accession":"0001628280-26-016162","end":"2024-12-31","filed":"2026-03-10","form":"10-K","start":"2024-01-01","tag":"NetCashProvidedByUsedInOperatingActivities","unit":"USD"}},"revenue":{"value":203760000,"tag":"RevenueFromContractWithCustomerExcludingAssessedTax","unit":"USD","start":"2024-01-01","end":"2024-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"netIncome":{"value":28592000,"tag":"ProfitLoss","unit":"USD","start":"2024-01-01","end":"2024-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"operatingIncome":{"value":27925000,"tag":"OperatingIncomeLoss","unit":"USD","start":"2024-01-01","end":"2024-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"openingAssets":{"value":115437000,"tag":"Assets","unit":"USD","start":null,"end":"2023-12-31","filed":"2025-03-27","accession":"0001628280-25-015138","form":"10-K"},"openingCurrentLiabilities":{"value":34912000,"tag":"LiabilitiesCurrent","unit":"USD","start":null,"end":"2023-12-31","filed":"2025-03-27","accession":"0001628280-25-015138","form":"10-K"},"openingCapitalEmployed":{"value":80525000,"inputNames":["openingAssets","openingCurrentLiabilities"]},"openingParentEquity":{"value":31051000,"tag":"StockholdersEquity","unit":"USD","start":null,"end":"2023-12-31","filed":"2025-03-27","accession":"0001628280-25-015138","form":"10-K"},"openingTotalEquity":{"value":31051000,"tag":"StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest","unit":"USD","start":null,"end":"2023-12-31","filed":"2025-03-27","accession":"0001628280-25-015138","form":"10-K"},"openingCash":{"value":39297000,"tag":"CashAndCashEquivalentsAtCarryingValue","unit":"USD","start":null,"end":"2023-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"openingBorrowings":{"value":53174000,"components":[{"tag":"LongTermDebtCurrent","unit":"USD","start":null,"end":"2023-12-31","filed":"2025-03-27","accession":"0001628280-25-015138","form":"10-K","reportedValue":2781000},{"tag":"LongTermDebtNoncurrent","unit":"USD","start":null,"end":"2023-12-31","filed":"2025-03-27","accession":"0001628280-25-015138","form":"10-K","reportedValue":47956000},{"tag":"ShortTermBorrowings","unit":"USD","start":null,"end":"2023-12-31","filed":"2025-03-27","accession":"0001628280-25-015138","form":"10-K","reportedValue":2437000}],"leasePolicy":"excludes_all_leases"},"openingInvestedCapital":{"value":null,"inputNames":["openingBorrowings","openingTotalEquity","openingCash"],"reason":"Exact complete borrowings, consolidated equity and cash missing, ambiguous or from different filings at 2023-12-31"},"openingPreferredEquity":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"openingPreferredShares":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"openingCommonEquity":{"value":null,"inputNames":["openingParentEquity","openingPreferredShares"],"reason":"Common equity scope requires explicit preferred carrying value or zero preferred shares; 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absence is not zero"},"commonNetIncome":{"value":2745000,"tag":"NetIncomeLossAvailableToCommonStockholdersBasic","unit":"USD","start":"2024-01-01","end":"2024-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"incomeTaxExpense":{"value":1495000,"tag":"IncomeTaxExpenseBenefit","unit":"USD","start":"2024-01-01","end":"2024-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"pretaxIncome":{"value":30087000,"tag":"IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest","unit":"USD","start":"2024-01-01","end":"2024-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"effectiveTaxRate":{"value":0.049689234553129256,"inputNames":["incomeTaxExpense","pretaxIncome"]},"nopat":{"value":26537428.125103865,"inputNames":["operatingIncome","effectiveTaxRate"]},"averageInvestedCapital":{"value":null,"inputNames":["openingInvestedCapital","closingInvestedCapital"]},"averageCapitalEmployed":{"value":182168000,"inputNames":["openingCapitalEmployed","closingCapitalEmployed"]},"averageCommonEquity":{"value":null,"inputNames":["openingCommonEquity","closingCommonEquity"]}},"recovered":{}}; fcfMargin: 18.295053003533567; cashConversion: 130.37912702853944; roce: 15.329256510473849 fcfMargin component 1 (2026-03-10) · fcfMargin component 2 (2026-03-10) · fcfMargin component 3 (2026-03-10)cashConversion component 1 (2026-03-10) · cashConversion component 2 (2026-03-10) · cashConversion component 3 (2026-03-10) roce component 1 (2026-03-10) · roce component 2 (2025-03-27) · roce component 3 (2025-03-27) · roce component 4 (2026-03-10) · roce component 5 (2026-03-10) |
| 2023-12-31 | 17.38 | 114.55 | Unavailable | Inputs & filingsCalculation inputs: {"original":{"fcfTotal":{"value":29894000,"capex":{"accession":"0001628280-26-016162","end":"2023-12-31","filed":"2026-03-10","form":"10-K","start":"2023-01-01","tag":"PaymentsToAcquirePropertyPlantAndEquipment","unit":"USD"},"ocf":{"accession":"0001628280-26-016162","end":"2023-12-31","filed":"2026-03-10","form":"10-K","start":"2023-01-01","tag":"NetCashProvidedByUsedInOperatingActivities","unit":"USD"}},"revenue":{"value":172043000,"tag":"RevenueFromContractWithCustomerExcludingAssessedTax","unit":"USD","start":"2023-01-01","end":"2023-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"netIncome":{"value":26096000,"tag":"ProfitLoss","unit":"USD","start":"2023-01-01","end":"2023-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"operatingIncome":{"value":25391000,"tag":"OperatingIncomeLoss","unit":"USD","start":"2023-01-01","end":"2023-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"openingAssets":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"openingCurrentLiabilities":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"openingCapitalEmployed":{"value":null,"inputNames":["openingAssets","openingCurrentLiabilities"],"reason":"Exact assets/current-liabilities balance missing, conflicting or from different filings at 2022-12-31"},"openingParentEquity":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"openingTotalEquity":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"openingNoncontrollingEquity":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"openingLiabilities":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"openingCash":{"value":22330000,"tag":"CashAndCashEquivalentsAtCarryingValue","unit":"USD","start":null,"end":"2022-12-31","filed":"2025-03-27","accession":"0001628280-25-015138","form":"10-K"},"openingBorrowings":{"value":null,"reason":"No supported complete debt aggregate or non-overlapping borrowing components; 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absence is not zero"},"commonNetIncome":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"parentNetIncome":{"value":0,"tag":"NetIncomeLoss","unit":"USD","start":"2023-01-01","end":"2023-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"preferredDividends":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"incomeTaxExpense":{"value":0,"tag":"IncomeTaxExpenseBenefit","unit":"USD","start":"2023-01-01","end":"2023-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"pretaxIncome":{"value":25262000,"tag":"IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest","unit":"USD","start":"2023-01-01","end":"2023-12-31","filed":"2026-03-10","accession":"0001628280-26-016162","form":"10-K"},"effectiveTaxRate":{"value":null,"inputNames":["incomeTaxExpense","pretaxIncome"],"reason":"Pretax income less tax does not reconcile to consolidated net income; accounting scopes differ"},"nopat":{"value":null,"inputNames":["operatingIncome","effectiveTaxRate"],"reason":"Pretax income less tax does not reconcile to consolidated net income; accounting scopes differ"},"averageInvestedCapital":{"value":null,"inputNames":["openingInvestedCapital","closingInvestedCapital"]},"averageCapitalEmployed":{"value":null,"inputNames":["openingCapitalEmployed","closingCapitalEmployed"]},"averageCommonEquity":{"value":null,"inputNames":["openingCommonEquity","closingCommonEquity"]}},"recovered":{}}; fcfMargin: 17.37588858599304; cashConversion: 114.55395462906193; roce: matching numerator and positive exact opening/closing CapitalEmployed required; ambiguous scopes remain unavailable; unavailable: openingCapitalEmployed; Exact assets/current-liabilities balance missing, conflicting or from different filings at 2022-12-31 fcfMargin component 1 (2026-03-10) · fcfMargin component 2 (2026-03-10) · fcfMargin component 3 (2026-03-10)cashConversion component 1 (2026-03-10) · cashConversion component 2 (2026-03-10) · cashConversion component 3 (2026-03-10) roce component 1 (2026-03-10) · roce component 2 (2025-03-27) · roce component 3 (2025-03-27) |
| 2022-12-31 | 16.66 | 124.38 | Unavailable | Inputs & filingsCalculation inputs: {"original":{"fcfTotal":{"value":25640000,"capex":{"accession":"0001628280-25-015138","end":"2022-12-31","filed":"2025-03-27","form":"10-K","start":"2022-01-01","tag":"PaymentsToAcquirePropertyPlantAndEquipment","unit":"USD"},"ocf":{"accession":"0001628280-25-015138","end":"2022-12-31","filed":"2025-03-27","form":"10-K","start":"2022-01-01","tag":"NetCashProvidedByUsedInOperatingActivities","unit":"USD"}},"revenue":{"value":153875000,"tag":"RevenueFromContractWithCustomerExcludingAssessedTax","unit":"USD","start":"2022-01-01","end":"2022-12-31","filed":"2025-03-27","accession":"0001628280-25-015138","form":"10-K"},"netIncome":{"value":20614000,"tag":"ProfitLoss","unit":"USD","start":"2022-01-01","end":"2022-12-31","filed":"2025-03-27","accession":"0001628280-25-015138","form":"10-K"},"operatingIncome":{"value":23717000,"tag":"OperatingIncomeLoss","unit":"USD","start":"2022-01-01","end":"2022-12-31","filed":"2025-03-27","accession":"0001628280-25-015138","form":"10-K"},"openingAssets":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"openingCurrentLiabilities":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"openingCapitalEmployed":{"value":null,"inputNames":["openingAssets","openingCurrentLiabilities"],"reason":"Exact assets/current-liabilities balance missing, conflicting or from different filings at 2021-12-31"},"openingParentEquity":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"openingTotalEquity":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"openingNoncontrollingEquity":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"openingLiabilities":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"openingCash":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"openingBorrowings":{"value":null,"reason":"No supported complete debt aggregate or non-overlapping borrowing components; leases excluded"},"openingInvestedCapital":{"value":null,"inputNames":["openingBorrowings","openingTotalEquity","openingCash"],"reason":"Exact complete borrowings, consolidated equity and cash missing, ambiguous or from different filings at 2021-12-31"},"openingPreferredEquity":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"openingPreferredShares":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"openingCommonEquity":{"value":null,"inputNames":["openingParentEquity","openingPreferredShares"],"reason":"Common equity scope requires explicit preferred carrying value or zero preferred shares; absence is not zero"},"closingAssets":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"closingCurrentLiabilities":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"closingCapitalEmployed":{"value":null,"inputNames":["closingAssets","closingCurrentLiabilities"],"reason":"Exact assets/current-liabilities balance missing, conflicting or from different filings at 2022-12-31"},"closingParentEquity":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"closingTotalEquity":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"closingNoncontrollingEquity":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"closingLiabilities":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"closingCash":{"value":22330000,"tag":"CashAndCashEquivalentsAtCarryingValue","unit":"USD","start":null,"end":"2022-12-31","filed":"2025-03-27","accession":"0001628280-25-015138","form":"10-K"},"closingBorrowings":{"value":null,"reason":"No supported complete debt aggregate or non-overlapping borrowing components; leases excluded"},"closingInvestedCapital":{"value":null,"inputNames":["closingBorrowings","closingTotalEquity","closingCash"],"reason":"Exact complete borrowings, consolidated equity and cash missing, ambiguous or from different filings at 2022-12-31"},"closingPreferredEquity":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"closingPreferredShares":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"closingCommonEquity":{"value":null,"inputNames":["closingParentEquity","closingPreferredShares"],"reason":"Common equity scope requires explicit preferred carrying value or zero preferred shares; absence is not zero"},"commonNetIncome":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"parentNetIncome":{"value":0,"tag":"NetIncomeLoss","unit":"USD","start":"2022-01-01","end":"2022-12-31","filed":"2025-03-27","accession":"0001628280-25-015138","form":"10-K"},"preferredDividends":{"value":null,"reason":"Missing or conflicting matching SEC fact","conflict":false},"incomeTaxExpense":{"value":0,"tag":"IncomeTaxExpenseBenefit","unit":"USD","start":"2022-01-01","end":"2022-12-31","filed":"2025-03-27","accession":"0001628280-25-015138","form":"10-K"},"pretaxIncome":{"value":23347000,"tag":"IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest","unit":"USD","start":"2022-01-01","end":"2022-12-31","filed":"2025-03-27","accession":"0001628280-25-015138","form":"10-K"},"effectiveTaxRate":{"value":null,"inputNames":["incomeTaxExpense","pretaxIncome"],"reason":"Pretax income less tax does not reconcile to consolidated net income; accounting scopes differ"},"nopat":{"value":null,"inputNames":["operatingIncome","effectiveTaxRate"],"reason":"Pretax income less tax does not reconcile to consolidated net income; accounting scopes differ"},"averageInvestedCapital":{"value":null,"inputNames":["openingInvestedCapital","closingInvestedCapital"]},"averageCapitalEmployed":{"value":null,"inputNames":["openingCapitalEmployed","closingCapitalEmployed"]},"averageCommonEquity":{"value":null,"inputNames":["openingCommonEquity","closingCommonEquity"]}},"recovered":{}}; fcfMargin: 16.662875710804222; cashConversion: 124.38148830891626; roce: matching numerator and positive exact opening/closing CapitalEmployed required; ambiguous scopes remain unavailable; unavailable: openingCapitalEmployed, closingCapitalEmployed; Exact assets/current-liabilities balance missing, conflicting or from different filings at 2021-12-31; Exact assets/current-liabilities balance missing, conflicting or from different filings at 2022-12-31 fcfMargin component 1 (2025-03-27) · fcfMargin component 2 (2025-03-27) · fcfMargin component 3 (2025-03-27)cashConversion component 1 (2025-03-27) · cashConversion component 2 (2025-03-27) · cashConversion component 3 (2025-03-27) roce component 1 (2025-03-27) |
Annual operating facts
Complete annual history, independent of chart loading and range. Operating margin is operating profit as a percentage of revenue; net margin is consolidated net profit as a percentage of revenue. Negative margins show losses. Missing inputs remain unavailable. Metric definitions.
| Fiscal end | Revenue (USD) | Operating margin (%) | Net margin (%) | Inputs & filing sources |
|---|---|---|---|---|
| 2025-12-31 | 248,512,000.00 | 14.88 | 16.56 | Inputs & filingsrevenue: 248512000; operatingIncome: 36985000; netIncome: 41166000 revenue (2026-03-10)operatingIncome (2026-03-10) netIncome (2026-03-10) |
| 2024-12-31 | 203,760,000.00 | 13.70 | 14.03 | Inputs & filingsrevenue: 203760000; operatingIncome: 27925000; netIncome: 28592000 revenue (2026-03-10)operatingIncome (2026-03-10) netIncome (2026-03-10) |
| 2023-12-31 | 172,043,000.00 | 14.76 | 15.17 | Inputs & filingsrevenue: 172043000; operatingIncome: 25391000; netIncome: 26096000 revenue (2026-03-10)operatingIncome (2026-03-10) netIncome (2026-03-10) |
| 2022-12-31 | 153,875,000.00 | 15.41 | 13.40 | Inputs & filingsrevenue: 153875000; operatingIncome: 23717000; netIncome: 20614000 revenue (2025-03-27)operatingIncome (2025-03-27) netIncome (2025-03-27) |
TWFG, Inc. (TWFG) P/E ratio history
The interactive P/E chart contains all 117 stored weekly price points (2024-07-19–2026-10-08); 93 have an eligible basic or diluted ratio. Annual EPS is carried forward from its fiscal end. Use the P/E range bar or any other chart range bar to change all five chart windows.
Fiscal-year-end snapshots
2 eligible fiscal-year-end observations span 2024-12-31–2025-12-31. Latest eligible diluted P/E: 54.94×; basic P/E: 54.94×, for fiscal end 2025-12-31, using the close on 2025-12-26.
Annual P/E = eligible fiscal-year-end close ÷ reported annual EPS. This is retrospective annual P/E, not TTM or forward P/E. Why we use annual data. Missing or non-positive EPS and missing eligible prices produce unavailable ratios.
Explore the P/E chart and optional reference lines · How P/E history is calculated.
Complete annual P/E history (4 fiscal periods)
| Fiscal end | Price date | Close | Price basis | Basic P/E | Diluted P/E | EPS filings |
|---|---|---|---|---|---|---|
| 2025-12-31 | 2025-12-26 | 29.12 | Adjusted close | 54.94 | 54.94 | Basic EPS (2026-03-10) Diluted EPS (2026-03-10) |
| 2024-12-31 | 2024-12-27 | 28.92 | Adjusted close | 152.21 | 152.21 | Basic EPS (2026-03-10) Diluted EPS (2026-03-10) |
| 2023-12-31 | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Source unavailable |
| 2022-12-31 | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Source unavailable |
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