TWFG, Inc. Common Stock logo TWFG - TWFG, Inc. Common Stock

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY 0
BUY 4
HOLD 4
SELL 0
STRONG
SELL 0
| PRICE TARGET: $23.00 DETAILS
HIGH: $26.00
LOW: $21.00
MEDIAN: $22.50
CONSENSUS: $23.00
UPSIDE: 9.32%
Annual Quarterly
Metric 2025 2024 2023 2022
Revenue
Revenue 234.0 193.7 167.0 147.8
Cost of Revenue 171.2 147.2 130.8 117.2
Gross Profit 62.8 46.6 36.2 30.6
Operating Expenses
R&D Expenses 0 0 0 0
SG&A Expenses 22.0 16.7 11.0 9.7
Other Expenses 16.9 2.0 (0.2) (2.8)
Operating Expenses 38.9 18.6 10.8 6.9
Operating Income
Operating Income 23.9 27.9 25.4 23.7
Interest Expense 0.3 2.2 1.0 0.4
Interest Income 6.6 4.4 0.9 0.0
Profitability
EBITDA 63.1 44.3 31.1 27.0
EBIT 44.7 32.3 26.3 23.7
Income Before Tax 44.4 30.1 25.3 23.3
Income Tax Expense 3.3 1.5 0 0
Net Income 8.0 2.7 0 0
Per Share Data
EPS (Basic) 0.53 0.19 0.31 0.03
EPS (Diluted) 0.51 0.18 0.31 0.03
Shares Outstanding 15.0 14.8 13.2 631.8
Metric 2025 2024 2023 2022
Current Assets
Cash & Cash Equivalents 155.9 195.8 39.3 22.3
Short-Term Investments 0 0 0 0
Net Receivables 35.9 27.1 25.1 20.6
Inventory 0 0 0 44.7
Other Current Assets 32.3 19.0 10.7 1.1
Total Current Assets 224.1 241.8 75.1 88.7
Non-Current Assets
Property, Plant & Equipment 7.5 8.0 3.1 2.9
Goodwill 0 0 0 0
Intangible Assets 138.6 73.0 36.4 21.4
Long-Term Investments 0 0 0 0
Other Non-Current Assets 0.7 0.6 0.8 1.2
Total Non-Current Assets 146.8 81.6 40.3 25.4
Total Assets 370.9 323.4 115.4 114.2
Current Liabilities
Account Payables 0 17.1 14.1 9.7
Short-Term Debt 3.3 1.9 2.4 2.6
Deferred Revenue 0 0 0 0
Other Current Liabilities 0 14.7 12.2 33.3
Total Current Liabilities 3.3 39.6 34.9 46.3
Non-Current Liabilities
Long-Term Debt 4.9 4.0 46.9 8.4
Deferred Tax Liabilities 0 0 0 0
Other Non-Current Liabilities 44.5 1.1 1.0 0
Total Non-Current Liabilities 52.3 8.5 49.5 10.0
Total Liabilities 55.6 48.1 84.4 56.4
Stockholders' Equity
Common Stock 0.1 0.1 0.6 0.6
Retained Earnings 23.0 15.3 4.8 32.2
Accumulated Other Comprehensive Income 0.0 0.1 0.5 (0.1)
Total Stockholders' Equity 83.1 73.9 31.1 57.8
Total Liabilities & Equity 370.9 323.4 115.4 114.2
Debt Metrics
Total Debt 11.1 10.3 51.8 13.3
Net Debt (144.8) (185.5) 12.5 (9.0)
Metric 2025 2024 2023 2022
Operating Activities
Net Income 41.2 28.6 25.3 23.3
Depreciation & Amortization 18.4 12.0 4.9 3.3
Stock-Based Compensation 4.6 2.2 0 0
Change in Working Capital (10.8) (3.4) (1.4) (4.2)
Other Non-Cash Items 0.2 1.1 1.5 3.3
Operating Cash Flow 53.5 40.5 30.2 25.8
Investing Activities
Capital Expenditure (0.4) (3.2) (15.6) (12.3)
Acquisitions 0 0 0 0
Purchases of Investments 0 0 0 0
Sales/Maturities of Investments 0 0 0 0
Other Investing Activities (70.0) (21.9) (14.4) (2.2)
Investing Cash Flow (70.4) (25.1) (14.7) (14.5)
Financing Activities
Net Debt Issuance (1.9) (43.4) 38.3 (2.6)
Stock Repurchased 0 0 0 0
Dividends Paid (15.9) (9.3) (33.4) (20.6)
Other Financing Activities (2.3) 2.6 (14.6) 7.8
Financing Cash Flow (20.5) 143.4 (9.7) (15.3)
Cash Position
Net Change in Cash (37.4) 158.9 5.8 (4.0)
Cash at Beginning 205.3 46.5 40.7 44.7
Cash at End 167.9 205.3 46.5 40.7
Free Cash Flow 53.1 37.3 14.5 13.5
Key Metrics 2025 2024 2023 2022
Income Statement
Revenue 234.0 193.7 167.0 147.8
Gross Profit 62.8 46.6 36.2 30.6
Operating Income 23.9 27.9 25.4 23.7
Net Income 8.0 2.7 0 0
EPS (Diluted) 0.51 0.18 0.31 0.03
Balance Sheet
Cash & Equivalents 155.9 195.8 39.3 22.3
Total Assets 370.9 323.4 115.4 114.2
Total Debt 11.1 10.3 51.8 13.3
Stockholders' Equity 83.1 73.9 31.1 57.8
Cash Flow
Operating Cash Flow 53.5 40.5 30.2 25.8
Capital Expenditure (0.4) (3.2) (15.6) (12.3)
Free Cash Flow 53.1 37.3 14.5 13.5