# TWFG Inc. (TWFG) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Insurance. Price $28.89, market value $372 million.

## Valuation
- **P/E (trailing): 48.1×** (5-yr avg 108.2×, 3-yr avg 108.2×). TWFG Inc. trades at 48.1× trailing earnings, well below its own five-year average of 108.2×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 25.0×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.14**. A PEG of 0.14 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.3×**. Each dollar of revenue is priced at 1.3×.
- **Price / book: 8.0×**. The shares trade at 8.0× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **EV / EBITDA: 2.8×**. Enterprise value is 2.8× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 16.0%** (5-yr avg 10.2%). Free cash flow equals 16.0% of the market value, above its five-year average of 10.2%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 2.1%**. The inverse of the P/E: 2.1% of the price is earned each year.

## Profitability
- **Operating margin: 18.3%**. 18.3% of revenue is left after running the business, a healthy level in most sectors.
- **Net margin: 16.6%**. 16.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 49.4%**. 49.4% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: -62.0%**. Return on all capital, debt included, is -62.0%: close to or below the cost of capital, so growth may not create value.
- **Return on assets: 11.3%**. Each dollar of assets produces 11.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 22.0%** (3-yr 17.3%/yr). Revenue grew 22.0% over the last year.
- **EPS growth (1 yr): 178.9%**. Earnings per share rose 178.9%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 27.5%/yr**. Free cash flow has compounded at 27.5% a year over three years.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $156 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. TWFG Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: buy** (7 analysts). 7 analysts cover TWFG Inc.; the consensus is buy, with an average price target of $31.00 (+7% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 9.0%** (YTD 0.4%, 3-mo 45.4%). The shares are up 9.0% over twelve months including dividends.
- **From 52-week high: -7.7%** (74.5% above the low). Trading 8% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 53**. An RSI of 53 is neutral.
- **Beta (1 yr): -0.41** (volatility 45%). Beta of -0.41 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=TWFG · Page: https://foliofundamentals.com/stocks/twfg

Not investment advice.