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TWFG (TWFG) Financials

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$33.55 +0.49 (+1.48%)
As of 04/17/2025 04:00 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 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders		 0.00 0.00 2.75
Consolidated Net Income / (Loss)		 21 26 29
Net Income / (Loss) Continuing Operations		 23 25 29
Total Pre-Tax Income 		23 25 30
Total Operating Income		 24 25 28
Total Gross Profit		 142 158 175
Total Revenue		 154 172 204
Operating Revenue		 154 172 204
Total Cost of Revenue		 12 14 29
Operating Cost of Revenue		 12 14 29
Total Operating Expenses		 118 133 147
Selling, General & Admin Expense		 9.71 11 17
Depreciation Expense		 3.30 4.86 12
Other Operating Expenses / (Income)		 105 117 118
Total Other Income / (Expense), net		 -0.37 -0.13 2.16
Interest Expense		 0.40 1.00 2.22
Interest & Investment Income		 0.05 0.89 4.38
Other Income / (Expense), net		 -0.02 -0.02 0.01
Income Tax Expense		 0.00 0.00 1.50
Net Income / (Loss) Discontinued Operations		 -2.73 0.83 0.00
Net Income / (Loss) Attributable to Noncontrolling Interest		 21 26 26
Basic Earnings per Share		 $0.00 $0.00 $0.19
Weighted Average Basic Shares Outstanding		 0.00 0.00 14.77M
Diluted Earnings per Share		 $0.00 $0.00 $0.19
Weighted Average Diluted Shares Outstanding		 0.00 0.00 14.98M
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 Q2 2023 Q3 2023 Q2 2024 Q3 2024
Net Income / (Loss) Attributable to Common Shareholders		 7.07 7.61 6.92 1.15
Consolidated Net Income / (Loss)		 7.07 7.61 6.92 6.89
Net Income / (Loss) Continuing Operations		 7.07 7.61 6.92 6.89
Total Pre-Tax Income 		7.07 7.61 6.90 7.33
Total Operating Income		 7.24 7.90 7.78 7.75
Total Gross Profit		 42 44 46 46
Total Revenue		 45 48 53 55
Operating Revenue		 45 48 53 55
Total Cost of Revenue		 3.37 3.39 6.82 8.33
Operating Cost of Revenue		 3.37 3.39 6.82 8.33
Total Operating Expenses		 35 36 39 39
Selling, General & Admin Expense		 2.74 2.81 3.74 4.81
Depreciation Expense		 1.13 1.15 2.97 2.99
Other Operating Expenses / (Income)		 31 32 32 31
Total Other Income / (Expense), net		 -0.17 -0.29 -0.87 -0.42
Interest Expense		 0.17 0.30 0.87 0.41
Other Income / (Expense), net		 - 0.00 - -0.00
Income Tax Expense		 - 0.00 - 0.44
Net Income / (Loss) Discontinued Operations		 0.00 0.00 0.00 0.00
Net Income / (Loss) Attributable to Noncontrolling Interest		 - 0.00 - 5.74
Basic Earnings per Share		 $11.19 $0.00 $10.49 $0.08
Weighted Average Basic Shares Outstanding		 631.75K 0.00 659.44K 14.72M
Diluted Earnings per Share		 $11.19 $0.00 $10.49 $0.08
Weighted Average Diluted Shares Outstanding		 631.75K 0.00 659.44K 14.89M
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 2022 2023 2024
Net Change in Cash & Equivalents		 5.07 -4.60 159
Net Cash From Operating Activities		 26 30 40
Net Cash From Continuing Operating Activities		 22 29 40
Net Income / (Loss) Continuing Operations		 23 25 29
Consolidated Net Income / (Loss)		 21 26 29
Net Income / (Loss) Discontinued Operations		 -2.73 0.83 0.00
Depreciation Expense		 3.30 4.86 12
Non-Cash Adjustments To Reconcile Net Income		 -2.77 -1.23 -4.48
Changes in Operating Assets and Liabilities, net		 -1.79 0.42 4.35
Net Cash From Discontinued Operating Activities		 3.66 0.84 0.00
Net Cash From Investing Activities		 -15 -15 -25
Net Cash From Continuing Investing Activities		 -15 -15 -25
Purchase of Property, Plant & Equipment		 -0.12 -0.26 -3.20
Acquisitions		 -12 -15 -22
Sale of Property, Plant & Equipment		 0.04 0.00 0.00
Divestitures		 2.40 0.93 0.00
Other Investing Activities, net		 -5.09 0.00 0.00
Net Cash From Discontinued Investing Activities		 0.42 0.06 0.00
Net Cash From Financing Activities		 -15 -9.70 143
Net Cash From Continuing Financing Activities		 -20 1.61 143
Repayment of Debt		 -2.56 -2.64 -43
Repurchase of Common Equity		 0.00 0.00 -0.04
Payment of Dividends		 -21 -33 -9.31
Issuance of Debt		 0.00 41 0.00
Issuance of Common Equity		 0.00 0.00 194
Other Financing Activities, net		 2.85 -3.34 2.66
Net Cash From Discontinued Financing Activities		 5.00 -11 0.00
Other Net Changes in Cash		 9.08 -10 0.00
Cash Interest Paid		 0.40 0.83 2.30

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

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

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 Q2 2024 Q3 2024
Total Assets		 157 313
Total Current Assets		 75 234
Cash & Equivalents		 26 191
Restricted Cash		 11 9.71
Accounts Receivable		 9.61 8.78
Other Current Assets		 29 24
Plant, Property, & Equipment, net		 0.51 0.68
Total Noncurrent Assets		 81 78
Intangible Assets		 78 75
Other Noncurrent Operating Assets		 3.56 3.26
Total Liabilities & Shareholders' Equity		 157 313
Total Liabilities		 90 45
Total Current Liabilities		 41 38
Short-Term Debt		 2.03 1.90
Accrued Expenses		 15 14
Other Current Liabilities		 24 22
Total Noncurrent Liabilities		 49 6.86
Long-Term Debt		 46 4.49
Other Noncurrent Operating Liabilities		 2.69 2.37
Commitments & Contingencies		 0.00 0.00
Total Equity & Noncontrolling Interests		 68 268
Total Preferred & Common Equity		 68 71
Total Common Equity		 68 71
Common Stock		 56 57
Retained Earnings		 11 14
Accumulated Other Comprehensive Income / (Loss)		 0.47 0.08
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 2022 2023 2024
Growth Metrics		 - - -
Revenue Growth		 0.00% 11.81% 18.44%
EBITDA Growth		 0.00% 11.98% 32.14%
EBIT Growth		 0.00% 7.07% 10.09%
NOPAT Growth		 0.00% 7.06% 4.52%
Net Income Growth		 0.00% 26.59% 9.56%
EPS Growth		 0.00% 0.00% 0.00%
Operating Cash Flow Growth		 0.00% 17.08% 34.24%
Free Cash Flow Firm Growth		 0.00% 0.00% -80.22%
Invested Capital Growth		 0.00% 0.00% 123.58%
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		 92.05% 91.88% 85.74%
EBITDA Margin		 17.55% 17.57% 19.61%
Operating Margin		 15.41% 14.76% 13.70%
EBIT Margin		 15.40% 14.75% 13.71%
Profit (Net Income) Margin		 13.40% 15.17% 14.03%
Tax Burden Percent		 88.29% 103.30% 95.03%
Interest Burden Percent		 98.51% 99.56% 107.71%
Effective Tax Rate		 0.00% 0.00% 4.97%
Return on Invested Capital (ROIC)		 0.00% 149.63% 48.33%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 198.45% 46.24%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 18.46% -29.66%
Return on Equity (ROE)		 0.00% 168.08% 18.67%
Cash Return on Invested Capital (CROIC)		 0.00% -50.37% -28.06%
Operating Return on Assets (OROA)		 0.00% 21.98% 12.73%
Return on Assets (ROA)		 0.00% 22.61% 13.03%
Return on Common Equity (ROCE)		 0.00% 168.08% 6.39%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 84.04% 38.70%
Net Operating Profit after Tax (NOPAT)		 24 25 27
NOPAT Margin		 15.41% 14.76% 13.02%
Net Nonoperating Expense Percent (NNEP)		 0.00% -48.82% 2.09%
Return On Investment Capital (ROIC_SIMPLE)		 - 31.58% 9.44%
Cost of Revenue to Revenue		 7.95% 8.12% 14.26%
SG&A Expenses to Revenue		 6.31% 6.38% 8.18%
R&D to Revenue		 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 76.63% 77.12% 72.03%
Earnings before Interest and Taxes (EBIT)		 24 25 28
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 27 30 40
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 0.00 6.02 23.34
Price to Tangible Book Value (P/TBV)		 0.00 0.00 1,903.19
Price to Revenue (P/Rev)		 1.22 1.09 8.46
Price to Earnings (P/E)		 0.00 0.00 628.16
Dividend Yield		 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.16%
Enterprise Value to Invested Capital (EV/IC)		 0.00 5.60 22.75
Enterprise Value to Revenue (EV/Rev)		 0.00 1.10 8.47
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 6.28 43.21
Enterprise Value to EBIT (EV/EBIT)		 0.00 7.48 61.80
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 7.48 65.05
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 6.30 42.65
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.00 1.59 0.02
Long-Term Debt to Equity		 0.00 1.51 0.01
Financial Leverage		 0.00 0.09 -0.64
Leverage Ratio		 0.00 3.72 1.43
Compound Leverage Factor		 0.00 3.70 1.54
Debt to Total Capital		 0.00% 61.38% 2.10%
Short-Term Debt to Total Capital		 0.00% 3.03% 0.68%
Long-Term Debt to Total Capital		 0.00% 58.35% 1.42%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 71.62%
Common Equity to Total Capital		 0.00% 38.62% 26.27%
Debt to EBITDA		 0.00 1.63 0.15
Net Debt to EBITDA		 0.00 0.10 -4.99
Long-Term Debt to EBITDA		 0.00 1.55 0.10
Debt to NOPAT		 0.00 1.94 0.22
Net Debt to NOPAT		 0.00 0.11 -7.51
Long-Term Debt to NOPAT		 0.00 1.85 0.15
Altman Z-Score		 0.00 4.02 23.22
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 65.75%
Liquidity Ratios		 - - -
Current Ratio		 0.00 2.15 6.10
Quick Ratio		 0.00 1.30 5.14
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 0.00 -8.55 -15
Operating Cash Flow to CapEx		 34,340.00% 11,597.69% 1,264.57%
Free Cash Flow to Firm to Interest Expense		 0.00 -8.52 -6.93
Operating Cash Flow to Interest Expense		 64.71 30.06 18.21
Operating Cash Flow Less CapEx to Interest Expense		 64.52 29.80 16.77
Efficiency Ratios		 - - -
Asset Turnover		 0.00 1.49 0.93
Accounts Receivable Turnover		 0.00 28.76 29.49
Inventory Turnover		 0.00 0.00 0.00
Fixed Asset Turnover		 0.00 288.18 99.49
Accounts Payable Turnover		 0.00 0.00 0.00
Days Sales Outstanding (DSO)		 0.00 12.69 12.38
Days Inventory Outstanding (DIO)		 0.00 0.00 0.00
Days Payable Outstanding (DPO)		 0.00 0.00 0.00
Cash Conversion Cycle (CCC)		 0.00 12.69 12.38
Capital & Investment Metrics		 - - -
Invested Capital		 0.00 34 76
Invested Capital Turnover		 0.00 10.14 3.71
Increase / (Decrease) in Invested Capital		 0.00 34 42
Enterprise Value (EV)		 0.00 190 1,726
Market Capitalization		 187 187 1,724
Book Value per Share		 $0.00 $2.82 $1.32
Tangible Book Value per Share		 $0.00 ($0.49) $0.02
Total Capital		 0.00 80 281
Total Debt		 0.00 49 5.92
Total Long-Term Debt		 0.00 47 4.01
Net Debt		 0.00 2.89 -199
Capital Expenditures (CapEx)		 0.08 0.26 3.20
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 0.00 -3.84 -1.18
Debt-free Net Working Capital (DFNWC)		 0.00 43 204
Net Working Capital (NWC)		 0.00 40 202
Net Nonoperating Expense (NNE)		 3.10 -0.71 -2.05
Net Nonoperating Obligations (NNO)		 0.00 2.89 -199
Total Depreciation and Amortization (D&A)		 3.30 4.86 12
Debt-free, Cash-free Net Working Capital to Revenue		 0.00% -2.23% -0.58%
Debt-free Net Working Capital to Revenue		 0.00% 24.78% 100.19%
Net Working Capital to Revenue		 0.00% 23.36% 99.25%
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.19
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 14.77M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.19
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 14.98M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 56.08M
Normalized Net Operating Profit after Tax (NOPAT)		 17 18 27
Normalized NOPAT Margin		 10.79% 10.33% 13.02%
Pre Tax Income Margin		 15.17% 14.68% 14.77%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 59.55 25.30 12.57
NOPAT to Interest Expense		 59.59 25.32 11.94
EBIT Less CapEx to Interest Expense		 59.36 25.04 11.13
NOPAT Less CapEx to Interest Expense		 59.40 25.06 10.50
Payout Ratios		 - - -
Dividend Payout Ratio		 99.73% 128.01% 32.55%
Augmented Payout Ratio		 99.73% 128.01% 32.68%

Quarterly Metrics and Ratios for TWFG

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

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

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

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 4/18/2025 by MarketBeat.com Staff
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