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TWFG (TWFG) Financials

TWFG logo
$35.28 +0.13 (+0.37%)
Closing price 04:00 PM Eastern
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$35.12 -0.16 (-0.44%)
As of 04:04 PM Eastern
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Annual Income Statements for TWFG

Annual Income Statements for TWFG

This table shows TWFG's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 2.75 0.00 0.00
Consolidated Net Income / (Loss)		 29 26 21
Net Income / (Loss) Continuing Operations		 29 25 23
Total Pre-Tax Income 		30 25 23
Total Operating Income		 28 25 24
Total Gross Profit		 175 158 142
Total Revenue		 204 172 154
Operating Revenue		 204 172 154
Total Cost of Revenue		 29 14 12
Operating Cost of Revenue		 29 14 12
Total Operating Expenses		 147 133 118
Selling, General & Admin Expense		 17 11 9.71
Depreciation Expense		 12 4.86 3.30
Other Operating Expenses / (Income)		 118 117 105
Total Other Income / (Expense), net		 2.16 -0.13 -0.37
Interest Expense		 2.22 1.00 0.40
Interest & Investment Income		 4.38 0.89 0.05
Other Income / (Expense), net		 0.01 -0.02 -0.02
Income Tax Expense		 1.50 0.00 0.00
Net Income / (Loss) Discontinued Operations		 0.00 0.83 -2.73
Net Income / (Loss) Attributable to Noncontrolling Interest		 26 26 21
Basic Earnings per Share		 $0.19 $0.00 $0.00
Weighted Average Basic Shares Outstanding		 14.77M 0.00 0.00
Diluted Earnings per Share		 $0.19 $0.00 $0.00
Weighted Average Diluted Shares Outstanding		 14.98M 0.00 0.00
Weighted Average Basic & Diluted Shares Outstanding		 56.08M - -

Quarterly Income Statements for TWFG

This table shows TWFG's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q3 2023 Q2 2023
Period end date 9/30/2024 6/30/2024 9/30/2023 6/30/2023
Net Income / (Loss) Attributable to Common Shareholders		 1.15 6.92 7.61 7.07
Consolidated Net Income / (Loss)		 6.89 6.92 7.61 7.07
Net Income / (Loss) Continuing Operations		 6.89 6.92 7.61 7.07
Total Pre-Tax Income 		7.33 6.90 7.61 7.07
Total Operating Income		 7.75 7.78 7.90 7.24
Total Gross Profit		 46 46 44 42
Total Revenue		 55 53 48 45
Operating Revenue		 55 53 48 45
Total Cost of Revenue		 8.33 6.82 3.39 3.37
Operating Cost of Revenue		 8.33 6.82 3.39 3.37
Total Operating Expenses		 39 39 36 35
Selling, General & Admin Expense		 4.81 3.74 2.81 2.74
Depreciation Expense		 2.99 2.97 1.15 1.13
Other Operating Expenses / (Income)		 31 32 32 31
Total Other Income / (Expense), net		 -0.42 -0.87 -0.29 -0.17
Interest Expense		 0.41 0.87 0.30 0.17
Other Income / (Expense), net		 -0.00 - 0.00 -
Income Tax Expense		 0.44 - 0.00 -
Net Income / (Loss) Discontinued Operations		 0.00 0.00 0.00 0.00
Net Income / (Loss) Attributable to Noncontrolling Interest		 5.74 - 0.00 -
Basic Earnings per Share		 $0.08 $10.49 $0.00 $11.19
Weighted Average Basic Shares Outstanding		 14.72M 659.44K 0.00 631.75K
Diluted Earnings per Share		 $0.08 $10.49 $0.00 $11.19
Weighted Average Diluted Shares Outstanding		 14.89M 659.44K 0.00 631.75K
Weighted Average Basic & Diluted Shares Outstanding		 55.98M 55.98M - -

Annual Cash Flow Statements for TWFG

This table details how cash moves in and out of TWFG's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 159 -4.60 5.07
Net Cash From Operating Activities		 40 30 26
Net Cash From Continuing Operating Activities		 40 29 22
Net Income / (Loss) Continuing Operations		 29 25 23
Consolidated Net Income / (Loss)		 29 26 21
Net Income / (Loss) Discontinued Operations		 0.00 0.83 -2.73
Depreciation Expense		 12 4.86 3.30
Non-Cash Adjustments To Reconcile Net Income		 -4.48 -1.23 -2.77
Changes in Operating Assets and Liabilities, net		 4.35 0.42 -1.79
Net Cash From Discontinued Operating Activities		 0.00 0.84 3.66
Net Cash From Investing Activities		 -25 -15 -15
Net Cash From Continuing Investing Activities		 -25 -15 -15
Purchase of Property, Plant & Equipment		 -3.20 -0.26 -0.12
Acquisitions		 -22 -15 -12
Sale of Property, Plant & Equipment		 0.00 0.00 0.04
Divestitures		 0.00 0.93 2.40
Other Investing Activities, net		 0.00 0.00 -5.09
Net Cash From Discontinued Investing Activities		 0.00 0.06 0.42
Net Cash From Financing Activities		 143 -9.70 -15
Net Cash From Continuing Financing Activities		 143 1.61 -20
Repayment of Debt		 -43 -2.64 -2.56
Repurchase of Common Equity		 -0.04 0.00 0.00
Payment of Dividends		 -9.31 -33 -21
Issuance of Debt		 0.00 41 0.00
Issuance of Common Equity		 194 0.00 0.00
Other Financing Activities, net		 2.66 -3.34 2.85
Net Cash From Discontinued Financing Activities		 0.00 -11 5.00
Other Net Changes in Cash		 0.00 -10 9.08
Cash Interest Paid		 2.30 0.83 0.40

Quarterly Cash Flow Statements for TWFG

This table details how cash moves in and out of TWFG's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q4 2023 Q3 2023
Period end date 12/31/2024 9/30/2024 12/31/2023 9/30/2023
Net Change in Cash & Equivalents		 4.42 164 -5.37 3.98
Net Cash From Operating Activities		 12 12 6.05 7.39
Net Cash From Continuing Operating Activities		 12 12 6.05 7.39
Net Income / (Loss) Continuing Operations		 8.15 6.89 5.22 7.61
Consolidated Net Income / (Loss)		 8.15 6.89 5.22 7.61
Depreciation Expense		 3.05 2.99 1.52 1.15
Non-Cash Adjustments To Reconcile Net Income		 -4.21 -0.19 -1.82 -0.74
Changes in Operating Assets and Liabilities, net		 4.68 1.96 1.13 -0.62
Net Cash From Investing Activities		 -3.47 -0.37 -8.71 -0.77
Net Cash From Continuing Investing Activities		 -3.47 -0.37 -8.71 -0.77
Purchase of Property, Plant & Equipment		 -2.92 -0.23 -0.04 -0.16
Acquisitions		 -0.46 -0.15 -9.07 -0.60
Sale of Property, Plant & Equipment		 -0.00 0.00 -0.00 0.00
Divestitures		 -0.08 0.02 0.40 -
Net Cash From Financing Activities		 -3.72 153 7.70 -2.65
Net Cash From Continuing Financing Activities		 -3.72 153 7.70 -2.65
Repayment of Debt		 -0.47 -42 -0.67 -0.66
Payment of Dividends		 -2.21 - -20 -2.60
Issuance of Common Equity		 -7.12 - - -
Other Financing Activities, net		 6.08 -6.03 -2.39 0.61

Annual Balance Sheets for TWFG

This table presents TWFG's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023
Period end date 12/31/2024 12/31/2023
Total Assets		 323 115
Total Current Assets		 242 75
Cash & Equivalents		 196 39
Restricted Cash		 9.55 7.17
Accounts Receivable		 7.84 5.98
Other Current Assets		 29 23
Plant, Property, & Equipment, net		 3.50 0.60
Total Noncurrent Assets		 78 40
Intangible Assets		 73 36
Other Noncurrent Operating Assets		 5.10 3.30
Total Liabilities & Shareholders' Equity		 323 115
Total Liabilities		 48 84
Total Current Liabilities		 40 35
Short-Term Debt		 1.91 2.44
Accrued Expenses		 14 12
Other Current Liabilities		 24 20
Total Noncurrent Liabilities		 8.53 49
Long-Term Debt		 4.01 47
Other Noncurrent Operating Liabilities		 4.52 2.56
Commitments & Contingencies		 0.00 0.00
Total Equity & Noncontrolling Interests		 275 31
Total Preferred & Common Equity		 74 31
Total Common Equity		 74 31
Common Stock		 59 26
Retained Earnings		 15 4.81
Accumulated Other Comprehensive Income / (Loss)		 0.08 0.50
Noncontrolling Interest		 201 0.00

Quarterly Balance Sheets for TWFG

This table presents TWFG's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024
Period end date 9/30/2024 6/30/2024
Total Assets		 313 157
Total Current Assets		 234 75
Cash & Equivalents		 191 26
Restricted Cash		 9.71 11
Accounts Receivable		 8.78 9.61
Other Current Assets		 24 29
Plant, Property, & Equipment, net		 0.68 0.51
Total Noncurrent Assets		 78 81
Intangible Assets		 75 78
Other Noncurrent Operating Assets		 3.26 3.56
Total Liabilities & Shareholders' Equity		 313 157
Total Liabilities		 45 90
Total Current Liabilities		 38 41
Short-Term Debt		 1.90 2.03
Accrued Expenses		 14 15
Other Current Liabilities		 22 24
Total Noncurrent Liabilities		 6.86 49
Long-Term Debt		 4.49 46
Other Noncurrent Operating Liabilities		 2.37 2.69
Commitments & Contingencies		 0.00 0.00
Total Equity & Noncontrolling Interests		 268 68
Total Preferred & Common Equity		 71 68
Total Common Equity		 71 68
Common Stock		 57 56
Retained Earnings		 14 11
Accumulated Other Comprehensive Income / (Loss)		 0.08 0.47
Noncontrolling Interest		 197 -

Annual Metrics And Ratios for TWFG

This table displays calculated financial ratios and metrics derived from TWFG's official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 18.44% 11.81% 0.00%
EBITDA Growth		 32.14% 11.98% 0.00%
EBIT Growth		 10.09% 7.07% 0.00%
NOPAT Growth		 4.52% 7.06% 0.00%
Net Income Growth		 9.56% 26.59% 0.00%
EPS Growth		 0.00% 0.00% 0.00%
Operating Cash Flow Growth		 34.24% 17.08% 0.00%
Free Cash Flow Firm Growth		 -80.22% 0.00% 0.00%
Invested Capital Growth		 123.58% 0.00% 0.00%
Revenue Q/Q Growth		 0.00% 0.00% 0.00%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00%
EBIT Q/Q Growth		 0.00% 0.00% 0.00%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00%
Net Income Q/Q Growth		 0.00% 0.00% 0.00%
EPS Q/Q Growth		 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 0.00%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00%
Profitability Metrics		 - - -
Gross Margin		 85.74% 91.88% 92.05%
EBITDA Margin		 19.61% 17.57% 17.55%
Operating Margin		 13.70% 14.76% 15.41%
EBIT Margin		 13.71% 14.75% 15.40%
Profit (Net Income) Margin		 14.03% 15.17% 13.40%
Tax Burden Percent		 95.03% 103.30% 88.29%
Interest Burden Percent		 107.71% 99.56% 98.51%
Effective Tax Rate		 4.97% 0.00% 0.00%
Return on Invested Capital (ROIC)		 48.33% 149.63% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 46.24% 198.45% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 -29.66% 18.46% 0.00%
Return on Equity (ROE)		 18.67% 168.08% 0.00%
Cash Return on Invested Capital (CROIC)		 -28.06% -50.37% 0.00%
Operating Return on Assets (OROA)		 12.73% 21.98% 0.00%
Return on Assets (ROA)		 13.03% 22.61% 0.00%
Return on Common Equity (ROCE)		 6.39% 168.08% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 38.70% 84.04% 0.00%
Net Operating Profit after Tax (NOPAT)		 27 25 24
NOPAT Margin		 13.02% 14.76% 15.41%
Net Nonoperating Expense Percent (NNEP)		 2.09% -48.82% 0.00%
Return On Investment Capital (ROIC_SIMPLE)		 9.44% 31.58% -
Cost of Revenue to Revenue		 14.26% 8.12% 7.95%
SG&A Expenses to Revenue		 8.18% 6.38% 6.31%
R&D to Revenue		 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 72.03% 77.12% 76.63%
Earnings before Interest and Taxes (EBIT)		 28 25 24
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 40 30 27
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 23.34 6.02 0.00
Price to Tangible Book Value (P/TBV)		 1,903.19 0.00 0.00
Price to Revenue (P/Rev)		 8.46 1.09 1.22
Price to Earnings (P/E)		 628.16 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00%
Earnings Yield		 0.16% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 22.75 5.60 0.00
Enterprise Value to Revenue (EV/Rev)		 8.47 1.10 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 43.21 6.28 0.00
Enterprise Value to EBIT (EV/EBIT)		 61.80 7.48 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 65.05 7.48 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 42.65 6.30 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.02 1.59 0.00
Long-Term Debt to Equity		 0.01 1.51 0.00
Financial Leverage		 -0.64 0.09 0.00
Leverage Ratio		 1.43 3.72 0.00
Compound Leverage Factor		 1.54 3.70 0.00
Debt to Total Capital		 2.10% 61.38% 0.00%
Short-Term Debt to Total Capital		 0.68% 3.03% 0.00%
Long-Term Debt to Total Capital		 1.42% 58.35% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 71.62% 0.00% 0.00%
Common Equity to Total Capital		 26.27% 38.62% 0.00%
Debt to EBITDA		 0.15 1.63 0.00
Net Debt to EBITDA		 -4.99 0.10 0.00
Long-Term Debt to EBITDA		 0.10 1.55 0.00
Debt to NOPAT		 0.22 1.94 0.00
Net Debt to NOPAT		 -7.51 0.11 0.00
Long-Term Debt to NOPAT		 0.15 1.85 0.00
Altman Z-Score		 23.22 4.02 0.00
Noncontrolling Interest Sharing Ratio		 65.75% 0.00% 0.00%
Liquidity Ratios		 - - -
Current Ratio		 6.10 2.15 0.00
Quick Ratio		 5.14 1.30 0.00
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 -15 -8.55 0.00
Operating Cash Flow to CapEx		 1,264.57% 11,597.69% 34,340.00%
Free Cash Flow to Firm to Interest Expense		 -6.93 -8.52 0.00
Operating Cash Flow to Interest Expense		 18.21 30.06 64.71
Operating Cash Flow Less CapEx to Interest Expense		 16.77 29.80 64.52
Efficiency Ratios		 - - -
Asset Turnover		 0.93 1.49 0.00
Accounts Receivable Turnover		 29.49 28.76 0.00
Inventory Turnover		 0.00 0.00 0.00
Fixed Asset Turnover		 99.49 288.18 0.00
Accounts Payable Turnover		 0.00 0.00 0.00
Days Sales Outstanding (DSO)		 12.38 12.69 0.00
Days Inventory Outstanding (DIO)		 0.00 0.00 0.00
Days Payable Outstanding (DPO)		 0.00 0.00 0.00
Cash Conversion Cycle (CCC)		 12.38 12.69 0.00
Capital & Investment Metrics		 - - -
Invested Capital		 76 34 0.00
Invested Capital Turnover		 3.71 10.14 0.00
Increase / (Decrease) in Invested Capital		 42 34 0.00
Enterprise Value (EV)		 1,726 190 0.00
Market Capitalization		 1,724 187 187
Book Value per Share		 $1.32 $2.82 $0.00
Tangible Book Value per Share		 $0.02 ($0.49) $0.00
Total Capital		 281 80 0.00
Total Debt		 5.92 49 0.00
Total Long-Term Debt		 4.01 47 0.00
Net Debt		 -199 2.89 0.00
Capital Expenditures (CapEx)		 3.20 0.26 0.08
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 -1.18 -3.84 0.00
Debt-free Net Working Capital (DFNWC)		 204 43 0.00
Net Working Capital (NWC)		 202 40 0.00
Net Nonoperating Expense (NNE)		 -2.05 -0.71 3.10
Net Nonoperating Obligations (NNO)		 -199 2.89 0.00
Total Depreciation and Amortization (D&A)		 12 4.86 3.30
Debt-free, Cash-free Net Working Capital to Revenue		 -0.58% -2.23% 0.00%
Debt-free Net Working Capital to Revenue		 100.19% 24.78% 0.00%
Net Working Capital to Revenue		 99.25% 23.36% 0.00%
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $0.19 $0.00 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 14.77M 0.00 0.00
Adjusted Diluted Earnings per Share		 $0.19 $0.00 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 14.98M 0.00 0.00
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 56.08M 0.00 0.00
Normalized Net Operating Profit after Tax (NOPAT)		 27 18 17
Normalized NOPAT Margin		 13.02% 10.33% 10.79%
Pre Tax Income Margin		 14.77% 14.68% 15.17%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 12.57 25.30 59.55
NOPAT to Interest Expense		 11.94 25.32 59.59
EBIT Less CapEx to Interest Expense		 11.13 25.04 59.36
NOPAT Less CapEx to Interest Expense		 10.50 25.06 59.40
Payout Ratios		 - - -
Dividend Payout Ratio		 32.55% 128.01% 99.73%
Augmented Payout Ratio		 32.68% 128.01% 99.73%

Quarterly Metrics And Ratios for TWFG

This table displays calculated financial ratios and metrics derived from TWFG's official financial filings.

Metric Q3 2024 Q2 2024 Q3 2023 Q2 2023
Period end date 9/30/2024 6/30/2024 9/30/2023 6/30/2023
Growth Metrics		 - - - -
Revenue Growth		 14.53% 17.39% 0.00% 0.00%
EBITDA Growth		 18.55% 28.30% 0.00% 0.00%
EBIT Growth		 -2.05% 7.40% 0.00% 0.00%
NOPAT Growth		 -7.83% 7.40% 0.00% 0.00%
Net Income Growth		 -9.40% -2.11% 0.00% 0.00%
EPS Growth		 0.00% -6.26% 0.00% 0.00%
Operating Cash Flow Growth		 58.57% 0.00% 0.00% 0.00%
Free Cash Flow Firm Growth		 0.00% 0.00% 0.00% 0.00%
Invested Capital Growth		 0.00% 0.00% 0.00% 0.00%
Revenue Q/Q Growth		 2.58% 0.00% 5.14% 0.00%
EBITDA Q/Q Growth		 -0.17% 0.00% 8.05% 0.00%
EBIT Q/Q Growth		 -0.45% 0.00% 9.16% 0.00%
NOPAT Q/Q Growth		 -6.34% 0.00% 9.14% 0.00%
Net Income Q/Q Growth		 -0.36% 0.00% 7.66% 0.00%
EPS Q/Q Growth		 -99.24% 0.00% -100.00% 0.00%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 0.00% 0.00%
Free Cash Flow Firm Q/Q Growth		 6.87% 0.00% 0.00% 0.00%
Invested Capital Q/Q Growth		 -6.81% 0.00% 0.00% 0.00%
Profitability Metrics		 - - - -
Gross Margin		 84.75% 87.20% 92.89% 92.57%
EBITDA Margin		 19.63% 20.17% 18.96% 18.45%
Operating Margin		 14.17% 14.60% 16.56% 15.96%
EBIT Margin		 14.17% 14.60% 16.56% 15.96%
Profit (Net Income) Margin		 12.62% 12.99% 15.95% 15.57%
Tax Burden Percent		 94.04% 100.20% 100.00% 100.00%
Interest Burden Percent		 94.69% 88.79% 96.27% 97.61%
Effective Tax Rate		 5.96% 0.00% 0.00% 0.00%
Return on Invested Capital (ROIC)		 0.00% 0.00% 0.00% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 0.00% 0.00% 0.00% 0.00%
Operating Return on Assets (OROA)		 0.00% 0.00% 0.00% 0.00%
Return on Assets (ROA)		 0.00% 0.00% 0.00% 0.00%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 7.28 7.78 7.90 7.24
NOPAT Margin		 13.33% 14.60% 16.56% 15.96%
Net Nonoperating Expense Percent (NNEP)		 -0.40% 14.94% 0.00% 0.00%
Cost of Revenue to Revenue		 15.25% 12.80% 7.11% 7.43%
SG&A Expenses to Revenue		 8.81% 7.03% 5.89% 6.03%
R&D to Revenue		 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 70.58% 72.61% 76.33% 76.62%
Earnings before Interest and Taxes (EBIT)		 7.74 7.78 7.90 7.24
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 11 11 9.05 8.37
Valuation Ratios		 - - - -
Price to Book Value (P/BV)		 21.36 2.77 0.00 0.00
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 0.00
Price to Revenue (P/Rev)		 0.00 0.00 0.00 0.00
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 20.66 2.51 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - -
Debt to Equity		 0.02 0.71 0.00 0.00
Long-Term Debt to Equity		 0.02 0.68 0.00 0.00
Financial Leverage		 -0.73 0.17 0.00 0.00
Leverage Ratio		 1.17 2.33 0.00 0.00
Compound Leverage Factor		 1.11 2.07 0.00 0.00
Debt to Total Capital		 2.33% 41.55% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.69% 1.76% 0.00% 0.00%
Long-Term Debt to Total Capital		 1.64% 39.80% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 71.78% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 25.89% 58.45% 0.00% 0.00%
Debt to EBITDA		 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00
Altman Z-Score		 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - -
Current Ratio		 6.15 1.84 0.00 0.00
Quick Ratio		 5.25 0.86 0.00 0.00
Cash Flow Metrics		 - - - -
Free Cash Flow to Firm (FCFF)		 -66 -71 0.00 0.00
Operating Cash Flow to CapEx		 5,053.88% 0.00% 4,564.20% 0.00%
Free Cash Flow to Firm to Interest Expense		 -161.39 -81.68 0.00 0.00
Operating Cash Flow to Interest Expense		 28.53 0.00 25.06 0.00
Operating Cash Flow Less CapEx to Interest Expense		 27.96 0.00 24.52 0.00
Efficiency Ratios		 - - - -
Asset Turnover		 0.00 0.00 0.00 0.00
Accounts Receivable Turnover		 0.00 0.00 0.00 0.00
Inventory Turnover		 0.00 0.00 0.00 0.00
Fixed Asset Turnover		 0.00 0.00 0.00 0.00
Accounts Payable Turnover		 0.00 0.00 0.00 0.00
Days Sales Outstanding (DSO)		 0.00 0.00 0.00 0.00
Days Inventory Outstanding (DIO)		 0.00 0.00 0.00 0.00
Days Payable Outstanding (DPO)		 0.00 0.00 0.00 0.00
Cash Conversion Cycle (CCC)		 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - -
Invested Capital		 74 79 0.00 0.00
Invested Capital Turnover		 0.00 0.00 0.00 0.00
Increase / (Decrease) in Invested Capital		 74 79 0.00 0.00
Enterprise Value (EV)		 1,521 198 0.00 0.00
Market Capitalization		 1,518 187 187 187
Book Value per Share		 $1.27 $102.38 $0.00 $0.00
Tangible Book Value per Share		 ($0.07) ($15.59) $0.00 $0.00
Total Capital		 275 116 0.00 0.00
Total Debt		 6.39 48 0.00 0.00
Total Long-Term Debt		 4.49 46 0.00 0.00
Net Debt		 -195 11 0.00 0.00
Capital Expenditures (CapEx)		 0.23 0.00 0.16 0.00
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 -2.98 -0.18 0.00 0.00
Debt-free Net Working Capital (DFNWC)		 198 36 0.00 0.00
Net Working Capital (NWC)		 196 34 0.00 0.00
Net Nonoperating Expense (NNE)		 0.39 0.86 0.29 0.17
Net Nonoperating Obligations (NNO)		 -195 11 0.00 0.00
Total Depreciation and Amortization (D&A)		 2.99 2.97 1.15 1.13
Debt-free, Cash-free Net Working Capital to Revenue		 0.00% 0.00% 0.00% 0.00%
Debt-free Net Working Capital to Revenue		 0.00% 0.00% 0.00% 0.00%
Net Working Capital to Revenue		 0.00% 0.00% 0.00% 0.00%
Earnings Adjustments		 - - - -
Adjusted Basic Earnings per Share		 $0.08 $10.49 $0.00 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 14.72M 659.44K 0.00 0.00
Adjusted Diluted Earnings per Share		 $0.08 $10.49 $0.00 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 14.89M 659.44K 0.00 0.00
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 55.98M 55.98M 0.00 0.00
Normalized Net Operating Profit after Tax (NOPAT)		 7.28 5.44 5.53 5.07
Normalized NOPAT Margin		 13.33% 10.22% 11.59% 11.17%
Pre Tax Income Margin		 13.42% 12.96% 15.95% 15.57%
Debt Service Ratios		 - - - -
EBIT to Interest Expense		 18.83 8.92 26.79 41.85
NOPAT to Interest Expense		 17.72 8.92 26.79 41.85
EBIT Less CapEx to Interest Expense		 18.27 0.00 26.24 0.00
NOPAT Less CapEx to Interest Expense		 17.16 0.00 26.24 0.00
Payout Ratios		 - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00%

Frequently Asked Questions About TWFG's Financials

When does TWFG's fiscal year end?

According to the most recent income statement we have on file, TWFG's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has TWFG's net income changed over the last 2 years?

TWFG's net income appears to be on an upward trend, with a most recent value of $28.59 million in 2024, rising from $20.61 million in 2022. The previous period was $26.10 million in 2023. Find out what analysts predict for TWFG in the coming months.

What is TWFG's operating income?
TWFG's total operating income in 2024 was $27.93 million, based on the following breakdown:
  • Total Gross Profit: $174.70 million
  • Total Operating Expenses: $146.77 million
How has TWFG revenue changed over the last 2 years?

Over the last 2 years, TWFG's total revenue changed from $153.88 million in 2022 to $203.76 million in 2024, a change of 32.4%.

How much debt does TWFG have?

TWFG's total liabilities were at $48.14 million at the end of 2024, a 43.0% decrease from 2023, and a 43.0% decrease since 2023.

How much cash does TWFG have?

In the past 1 years, TWFG's cash and equivalents has ranged from $39.30 million in 2023 to $195.77 million in 2024, and is currently $195.77 million as of their latest financial filing in 2024.

How has TWFG's book value per share changed over the last 2 years?

Over the last 2 years, TWFG's book value per share changed from 0.00 in 2022 to 1.32 in 2024, a change of 132.0%.


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This page (NASDAQ:TWFG) was last updated on 5/27/2025 by MarketBeat.com Staff
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