TWFG - TWFG, Inc. Common Stock
Price:
--
--
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CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$23.00
DETAILS
HIGH:
$26.00
LOW:
$21.00
MEDIAN:
$22.50
CONSENSUS:
$23.00
UPSIDE:
9.32%
| Metric | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 | 2023 Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||
| Revenue | 72.8 | 62.5 | 61.7 | 57.9 | 51.8 | 46.5 | 51.1 | 51.4 | 44.8 | 38.2 | 46.1 | 44.0 | 38.7 |
| Cost of Revenue | 49.4 | 42.9 | 44.6 | 43.6 | 40.0 | 36.6 | 39.1 | 38.8 | 32.7 | 34.5 | 35.9 | 34.3 | 30.8 |
| Gross Profit | 23.5 | 19.6 | 17.2 | 14.2 | 11.8 | 9.9 | 12.0 | 12.6 | 12.1 | 3.7 | 10.2 | 9.7 | 7.9 |
| Operating Expenses | |||||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 0 | 6.7 | 5.2 | 5.4 | 4.7 | 5.0 | 4.8 | 3.7 | 3.1 | 2.9 | 2.8 | 2.7 | 2.5 |
| Other Expenses | 11.1 | 5.4 | 2.9 | 1.5 | 1.3 | (0.0) | (0.5) | 1.3 | 1.6 | (0.3) | (0.5) | (0.3) | (0.1) |
| Operating Expenses | 11.1 | 12.1 | 8.1 | 6.9 | 6.1 | 5.0 | 4.3 | 5.1 | 4.8 | 2.7 | 2.3 | 2.5 | 2.4 |
| Operating Income | |||||||||||||
| Operating Income | 12.4 | 7.5 | 9.0 | 7.4 | 5.7 | 4.9 | 7.7 | 7.5 | 7.3 | 1.0 | 7.9 | 7.2 | 5.5 |
| Interest Expense | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.4 | 0.9 | 0.8 | 0.5 | 0.3 | 0.2 | 0.1 |
| Interest Income | 1.2 | 1.4 | 1.6 | 1.8 | 1.9 | 0 | 0 | 0.3 | 0.2 | 0 | 0 | 0 | 0 |
| Profitability | |||||||||||||
| EBITDA | 20.4 | 22.6 | 16.0 | 13.6 | 11.0 | 12.4 | 10.7 | 10.8 | 10.5 | 2.5 | 9.0 | 8.4 | 6.5 |
| EBIT | 14.3 | 16.8 | 10.7 | 9.7 | 7.6 | 9.3 | 7.7 | 7.8 | 7.5 | 1.0 | 7.9 | 7.2 | 5.5 |
| Income Before Tax | 14.2 | 16.7 | 10.6 | 9.6 | 7.5 | 9.2 | 7.3 | 6.9 | 6.6 | 0.5 | 7.6 | 7.1 | 5.4 |
| Income Tax Expense | 1.1 | 1.0 | 1.0 | 0.6 | 0.7 | 1.1 | 0.4 | 0 | 0 | 0.9 | 0 | 0 | 0 |
| Net Income | 1.8 | 2.9 | 1.7 | 2.0 | 1.3 | 1.6 | 1.2 | 0 | 0.0 | (16.7) | 7.6 | 7.1 | 6.2 |
| Per Share Data | |||||||||||||
| EPS (Basic) | 0.12 | -0.16 | 0.11 | 0.49 | 0.09 | 0.11 | 0.08 | 0.53 | 0.10 | -1.27 | 0.58 | 0.01 | 0.01 |
| EPS (Diluted) | 0.03 | 0.05 | 0.11 | 0.49 | 0.09 | 0.11 | 0.08 | 0.53 | 0.10 | -1.27 | 0.58 | 0.01 | 0.01 |
| Shares Outstanding | 14.8 | 15.0 | 15.0 | 14.9 | 14.9 | 14.8 | 14.7 | 13.2 | 13.2 | 13.2 | 13.2 | 631.8 | 631.8 |
| Metric | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||
| Cash & Cash Equivalents | 124.8 | 155.9 | 151.0 | 159.8 | 196.4 | 195.8 | 191.2 | 25.8 | 152.6 | 39.3 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 36.5 | 35.9 | 35.7 | 34.6 | 31.6 | 34.9 | 22.9 | 32.0 | 25.8 | 25.1 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 16.7 | 0 | 0 |
| Other Current Assets | 40.1 | 32.3 | 24.6 | 14.1 | 13.4 | 11.2 | 20.0 | 0.9 | 10.2 | 10.7 |
| Total Current Assets | 201.4 | 224.1 | 211.3 | 208.5 | 241.4 | 241.8 | 234.1 | 75.3 | 188.5 | 75.1 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 7.5 | 7.5 | 7.7 | 7.6 | 7.7 | 8.0 | 3.3 | 3.3 | 3.5 | 3.1 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 161.6 | 138.6 | 129.4 | 125.9 | 80.9 | 73.0 | 75.0 | 77.8 | 80.4 | 36.4 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0.7 | 0.7 | 0.7 | 0.8 | 0.5 | 0.6 | 0.6 | 0.8 | 0.9 | 0.8 |
| Total Non-Current Assets | 169.8 | 146.8 | 137.8 | 134.3 | 89.1 | 81.6 | 79.0 | 81.9 | 84.8 | 40.3 |
| Total Assets | 371.2 | 370.9 | 349.2 | 342.8 | 330.5 | 323.4 | 313.1 | 157.2 | 273.3 | 115.4 |
| Current Liabilities | ||||||||||
| Account Payables | 0 | 0 | 17.6 | 18.5 | 17.0 | 17.1 | 15.2 | 15.3 | 13.6 | 14.1 |
| Short-Term Debt | 3.2 | 3.3 | 2.0 | 1.9 | 1.9 | 1.9 | 1.9 | 2.0 | 2.2 | 2.4 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 17.2 | 18.4 | 17.1 | 14.7 | 15.8 | 22.1 | 14.9 | 12.2 |
| Total Current Liabilities | 3.2 | 3.3 | 45.1 | 45.4 | 42.9 | 39.6 | 38.1 | 41.0 | 32.2 | 34.9 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 1.5 | 4.9 | 2.5 | 3.0 | 3.5 | 4.0 | 4.5 | 46.0 | 5.4 | 46.9 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 57.2 | 44.5 | 2.6 | 2.4 | 1.0 | 1.1 | 0.9 | 1.1 | 1.2 | 1.0 |
| Total Non-Current Liabilities | 61.5 | 52.3 | 8.3 | 8.5 | 7.6 | 8.5 | 6.9 | 48.7 | 8.5 | 49.5 |
| Total Liabilities | 64.7 | 55.6 | 53.4 | 53.9 | 50.5 | 48.1 | 45.0 | 89.7 | 40.8 | 84.4 |
| Stockholders' Equity | ||||||||||
| Common Stock | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.7 | 0.1 | 0.6 |
| Retained Earnings | 25.0 | 23.0 | 20.3 | 18.6 | 16.6 | 15.3 | 13.7 | 11.3 | 0.6 | 4.8 |
| Accumulated Other Comprehensive Income | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.5 | 0.1 | 0.5 |
| Total Stockholders' Equity | 69.2 | 83.1 | 79.4 | 78.7 | 75.2 | 73.9 | 71.1 | 67.5 | 56.4 | 31.1 |
| Total Liabilities & Equity | 371.2 | 370.9 | 349.2 | 342.8 | 330.5 | 323.4 | 313.1 | 157.2 | 273.3 | 115.4 |
| Debt Metrics | ||||||||||
| Total Debt | 7.6 | 11.1 | 9.0 | 9.3 | 9.7 | 10.3 | 8.9 | 50.7 | 10.6 | 51.8 |
| Net Debt | (117.3) | (144.8) | (142.0) | (150.5) | (186.7) | (185.5) | (182.3) | 24.9 | (142.0) | 12.5 |
| Metric | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 | 2023 Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||
| Net Income | 1.8 | 15.7 | 9.6 | 9 | 6.9 | 8.2 | 6.9 | 6.9 | 6.6 | 5.2 | 7.6 | 7.1 | 5.4 |
| Depreciation & Amortization | 6.2 | 5.8 | 5.3 | 3.9 | 3.4 | 3.1 | 3.0 | 3.0 | 3.0 | 1.5 | 1.1 | 1.1 | 1.1 |
| Stock-Based Compensation | 0 | 0.9 | 1.0 | 1.5 | 1.2 | 1.2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Working Capital | 2.9 | (8.9) | (1.3) | (4.6) | 3.9 | (1.1) | 0.5 | (2.7) | (0.1) | (0.8) | (1.5) | (1.5) | 2.4 |
| Other Non-Cash Items | 11.8 | (0.1) | 0.3 | (0.2) | 0.3 | 0.3 | 1.3 | 0.2 | 0.2 | 0.1 | 0.2 | 0.2 | 1.0 |
| Operating Cash Flow | 22.7 | 13.3 | 15.0 | 9.6 | 15.6 | 11.6 | 11.7 | 7.4 | 9.8 | 6.1 | 7.4 | 6.9 | 9.8 |
| Investing Activities | |||||||||||||
| Capital Expenditure | (0.3) | (7.9) | (7.1) | (0.0) | (0.0) | (3.4) | (0.4) | (0.3) | (21.0) | (9.1) | (0.8) | (5.4) | (0.4) |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Purchases of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Sales/Maturities of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | 0.7 | (6.4) | (17.0) | (35.5) | (11.2) | (0.5) | (0.1) | (0.2) | (21.0) | (8.7) | (0.6) | (4.8) | (0.3) |
| Investing Cash Flow | (28.3) | (6.6) | (17.0) | (35.5) | (11.2) | (3.5) | (0.4) | (0.2) | (21.0) | (8.7) | (0.8) | (4.9) | (0.3) |
| Financing Activities | |||||||||||||
| Net Debt Issuance | (0.5) | (0.5) | (0.5) | (0.5) | (0.5) | (0.5) | (41.6) | (0.7) | (0.7) | 30.3 | (0.7) | 9.3 | (0.7) |
| Stock Repurchased | (16.6) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividends Paid | (7.3) | (0.0) | (2.6) | (11.2) | (2.0) | (2.2) | 0 | (4.7) | (2.4) | (20.2) | (2.6) | (5.2) | (5.4) |
| Other Financing Activities | 5.7 | (0.8) | (3.3) | 0.4 | 1.0 | 6.1 | 194.6 | 3.3 | (0.7) | (2.4) | 0.6 | (1.8) | (11.0) |
| Financing Cash Flow | (18.6) | (1.3) | (6.4) | (11.4) | (1.5) | (3.7) | 153.0 | (2.1) | (3.8) | 7.7 | (2.7) | 2.3 | (17.1) |
| Cash Position | |||||||||||||
| Net Change in Cash | (24.3) | 5.4 | (8.5) | (37.3) | 3.0 | 4.4 | 164.4 | 5.1 | (15.1) | 5.0 | 4.0 | 4.4 | (7.6) |
| Cash at Beginning | 167.9 | 162.5 | 171.0 | 208.3 | 205.3 | 200.9 | 36.5 | 31.4 | 46.5 | 41.4 | 37.5 | 33.1 | 40.7 |
| Cash at End | 143.6 | 167.9 | 162.5 | 171.0 | 208.3 | 205.3 | 200.9 | 36.5 | 31.4 | 46.5 | 41.4 | 37.5 | 33.1 |
| Free Cash Flow | 22.4 | 5.4 | 7.9 | 9.6 | 15.6 | 8.2 | 11.3 | 7.1 | (11.2) | (3.1) | 6.6 | 1.5 | 9.4 |
| Key Metrics | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 | 2023 Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 72.8 | 62.5 | 61.7 | 57.9 | 51.8 | 46.5 | 51.1 | 51.4 | 44.8 | 38.2 | 46.1 | 44.0 | 38.7 |
| Gross Profit | 23.5 | 19.6 | 17.2 | 14.2 | 11.8 | 9.9 | 12.0 | 12.6 | 12.1 | 3.7 | 10.2 | 9.7 | 7.9 |
| Operating Income | 12.4 | 7.5 | 9.0 | 7.4 | 5.7 | 4.9 | 7.7 | 7.5 | 7.3 | 1.0 | 7.9 | 7.2 | 5.5 |
| Net Income | 1.8 | 2.9 | 1.7 | 2.0 | 1.3 | 1.6 | 1.2 | 0 | 0.0 | (16.7) | 7.6 | 7.1 | 6.2 |
| EPS (Diluted) | 0.03 | 0.05 | 0.11 | 0.49 | 0.09 | 0.11 | 0.08 | 0.53 | 0.10 | -1.27 | 0.58 | 0.01 | 0.01 |
| Balance Sheet | |||||||||||||
| Cash & Equivalents | 124.8 | 155.9 | 151.0 | 159.8 | 196.4 | 195.8 | 191.2 | 25.8 | 152.6 | 39.3 | |||
| Total Assets | 371.2 | 370.9 | 349.2 | 342.8 | 330.5 | 323.4 | 313.1 | 157.2 | 273.3 | 115.4 | |||
| Total Debt | 7.6 | 11.1 | 9.0 | 9.3 | 9.7 | 10.3 | 8.9 | 50.7 | 10.6 | 51.8 | |||
| Stockholders' Equity | 69.2 | 83.1 | 79.4 | 78.7 | 75.2 | 73.9 | 71.1 | 67.5 | 56.4 | 31.1 | |||
| Cash Flow | |||||||||||||
| Operating Cash Flow | 22.7 | 13.3 | 15.0 | 9.6 | 15.6 | 11.6 | 11.7 | 7.4 | 9.8 | 6.1 | 7.4 | 6.9 | 9.8 |
| Capital Expenditure | (0.3) | (7.9) | (7.1) | (0.0) | (0.0) | (3.4) | (0.4) | (0.3) | (21.0) | (9.1) | (0.8) | (5.4) | (0.4) |
| Free Cash Flow | 22.4 | 5.4 | 7.9 | 9.6 | 15.6 | 8.2 | 11.3 | 7.1 | (11.2) | (3.1) | 6.6 | 1.5 | 9.4 |