What is TWFG INC's earnings per share (EPS)?

TWFG INC (TWFG) reported diluted earnings per share of $0.53 for fiscal year 2025. This represents a 178.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

TWFG INC Financials

TWFG

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows TWFG INC (TWFG) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 4 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 84/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

TWFG INC has an operating margin of 14.9%, meaning the company retains $15 of operating profit per $100 of revenue. This results in a moderate score of 55/100, indicating healthy but not exceptional operating efficiency. This is up from 13.7% the prior year.

Growth

TWFG INC's revenue surged 22.0% year-over-year to $248.5M, reflecting rapid business expansion. This strong growth earns a score of 70/100.

Leverage

100

TWFG INC carries a low D/E ratio of 0.02, meaning only $0.02 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

100

With a current ratio of 5.12, TWFG INC holds $5.12 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 100/100.

Cash Flow

TWFG INC converts 21.4% of revenue into free cash flow ($53.1M). This strong cash generation earns a score of 78/100.

Returns

100

TWFG INC earns a strong 49.4% return on equity (ROE), meaning it generates $49 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 100/100. This is up from 3.7% the prior year.

Altman Z-Score Grey Zone

2.23

TWFG INC scores 2.23, placing it in the grey zone between 1.81 and 2.99. This signals moderate financial risk that warrants monitoring.

Piotroski F-Score Neutral

6/9

TWFG INC passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.30x

For every $1 of reported earnings, TWFG INC generates $1.30 in operating cash flow ($53.5M OCF vs $41.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage Safe

123.3x

TWFG INC earns $123.3 in operating income for every $1 of interest expense ($37.0M vs $300K). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.

Key Financial Metrics

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Earnings & Revenue

Revenue

$248.5M

YoY+22.0%

TWFG INC generated $248.5M in revenue in fiscal year 2025. This represents an increase of 22.0% from the prior year.

EBITDA

$55.3M

YoY+38.5%

TWFG INC's EBITDA was $55.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 38.5% from the prior year.

Net Income

$41.2M

YoY+1399.7%

TWFG INC reported $41.2M in net income in fiscal year 2025. This represents an increase of 1399.7% from the prior year.

EPS (Diluted)

$0.53

YoY+178.9%

TWFG INC earned $0.53 per diluted share (EPS) in fiscal year 2025. This represents an increase of 178.9% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$53.1M

YoY+42.6%

TWFG INC generated $53.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 42.6% from the prior year.

Cash & Debt

$155.9M

YoY-20.4%

TWFG INC held $155.9M in cash against $2.0M in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

14.9%

YoY+1.2pp

TWFG INC's operating margin was 14.9% in fiscal year 2025, reflecting core business profitability. This is up 1.2 percentage points from the prior year.

Net Margin

16.6%

YoY+15.2pp

TWFG INC's net profit margin was 16.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 15.2 percentage points from the prior year.

Return on Equity

49.4%

YoY+45.6pp

TWFG INC's ROE was 49.4% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 45.6 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$356K

YoY-88.9%

TWFG INC invested $356K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 88.9% from the prior year.

TWFG Income Statement

Metric	FY25	FY24	FY23	FY22
Revenue	$248.5M+22.0%	$203.8M+18.4%	$172.0M+11.8%	$153.9M
Cost of Revenue	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A
Operating Income	$37.0M+32.4%	$27.9M+10.0%	$25.4M+7.1%	$23.7M
Interest Expense	$300K-86.4%	$2.2M+120.0%	$1.0M+151.3%	$398K
Income Tax	$3.3M+119.3%	$1.5M	$0	$0
Net Income	$41.2M+1399.7%	$2.7M	$0	$0
EPS (Diluted)	$0.53+178.9%	$0.19	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$70.3M+9.6%	$64.1M+6.3%	$60.3M+12.0%	$53.8M+4.0%	$51.7M-2.1%	$52.9M-0.3%	$53.0M+14.9%	$46.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	$14.9M+64.5%	$9.0M+22.7%	$7.4M+28.5%	$5.7M-19.7%	$7.1M+19.5%	$6.0M-20.6%	$7.5M+3.0%	$7.3M
Interest Expense	$62K-11.4%	$70K+2.9%	$68K-32.0%	$100K-21.9%	$128K-68.0%	$400K-54.1%	$872K+9.0%	$800K
Income Tax	$1.0M+5.0%	$977K+57.6%	$620K-5.5%	$656K-38.0%	$1.1M+142.1%	$437K	$0	$0
Net Income	$36.1M+1999.2%	$1.7M-12.0%	$2.0M+46.3%	$1.3M-83.6%	$8.2M+606.4%	$1.2M	$0	$0
EPS (Diluted)	N/A	$0.11-15.4%	$0.13+44.4%	$0.09	N/A	$0.08-99.2%	$10.49	N/A

TWFG Balance Sheet

Metric	FY25	FY24	FY23	FY22
Total Assets	$372.3M+15.1%	$323.4M+180.2%	$115.4M	N/A
Current Assets	$225.5M-6.8%	$241.8M+222.0%	$75.1M	N/A
Cash & Equivalents	$155.9M-20.4%	$195.8M+398.2%	$39.3M+76.0%	$22.3M
Inventory	N/A	N/A	N/A	N/A
Accounts Receivable	$7.5M-4.7%	$7.8M+31.0%	$6.0M	N/A
Goodwill	N/A	N/A	N/A	N/A
Total Liabilities	$289.0M+15.8%	$249.5M+195.7%	$84.4M	N/A
Current Liabilities	$44.1M+11.3%	$39.6M+13.5%	$34.9M	N/A
Long-Term Debt	$2.0M-49.2%	$4.0M-91.6%	$48.0M	N/A
Total Equity	$83.4M+12.9%	$73.9M+137.9%	$31.1M	N/A
Retained Earnings	$23.3M+52.1%	$15.3M+218.2%	$4.8M	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$372.3M+6.6%	$349.2M+1.8%	$342.8M+3.7%	$330.5M+2.2%	$323.4M+3.3%	$313.1M+99.1%	$157.2M	N/A
Current Assets	$225.5M+6.7%	$211.3M+1.3%	$208.5M-13.6%	$241.4M-0.2%	$241.8M+3.3%	$234.1M+210.7%	$75.3M	N/A
Cash & Equivalents	$155.9M+3.3%	$151.0M-5.5%	$159.8M-18.6%	$196.4M+0.3%	$195.8M+2.4%	$191.2M+642.4%	$25.8M	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$7.5M-8.6%	$8.2M-12.7%	$9.4M+16.1%	$8.1M+2.7%	$7.8M-10.7%	$8.8M-8.6%	$9.6M	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$289.0M+7.1%	$269.8M+2.1%	$264.2M+3.5%	$255.3M+2.3%	$249.5M+3.1%	$242.0M+169.8%	$89.7M	N/A
Current Liabilities	$44.1M-2.3%	$45.1M-0.6%	$45.4M+5.9%	$42.9M+8.2%	$39.6M+4.0%	$38.1M-7.2%	$41.0M	N/A
Long-Term Debt	$2.0M-36.6%	$3.2M-16.7%	$3.9M-14.2%	$4.5M+12.1%	$4.0M-26.0%	$5.4M-88.5%	$47.0M	N/A
Total Equity	$83.4M+5.1%	$79.4M+0.9%	$78.7M+4.6%	$75.2M+1.8%	$73.9M+3.9%	$71.1M+5.3%	$67.5M	N/A
Retained Earnings	$23.3M+14.5%	$20.3M+9.3%	$18.6M+11.8%	$16.6M+8.8%	$15.3M+11.6%	$13.7M+21.7%	$11.3M	N/A

TWFG Cash Flow Statement

Metric	FY25	FY24	FY23	FY22
Operating Cash Flow	$53.5M+32.2%	$40.5M+34.2%	$30.2M+17.1%	$25.8M
Capital Expenditures	$356K-88.9%	$3.2M+1131.2%	$260K+126.1%	$115K
Free Cash Flow	$53.1M+42.6%	$37.3M+24.7%	$29.9M+16.6%	$25.6M
Investing Cash Flow	-$70.4M-180.9%	-$25.1M-71.0%	-$14.7M-1.0%	-$14.5M
Financing Cash Flow	-$20.5M-114.3%	$143.4M+1579.4%	-$9.7M+36.5%	-$15.3M
Dividends Paid	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$13.3M-11.1%	$15.0M+55.5%	$9.6M-38.5%	$15.6M+34.9%	$11.6M-1.1%	$11.7M+58.4%	$7.4M-24.1%	$9.8M
Capital Expenditures	$228K+230.4%	$69K+56.8%	$44K+193.3%	$15K-99.5%	$2.9M+1153.6%	$233K+497.4%	$39K+387.5%	$8K
Free Cash Flow	$13.1M-12.3%	$14.9M+55.5%	$9.6M-38.8%	$15.6M+80.1%	$8.7M-24.5%	$11.5M+56.1%	$7.4M-24.5%	$9.7M
Investing Cash Flow	-$6.6M+61.1%	-$17.0M+52.1%	-$35.5M-218.3%	-$11.2M-222.2%	-$3.5M-847.0%	-$366K-51.2%	-$242K+98.8%	-$21.0M
Financing Cash Flow	-$1.3M+79.6%	-$6.4M+43.9%	-$11.4M-644.3%	-$1.5M+59.0%	-$3.7M-102.4%	$153.0M+7518.0%	-$2.1M+46.0%	-$3.8M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

TWFG Financial Ratios

Metric	FY25	FY24	FY23	FY22
Gross Margin	N/A	N/A	N/A	N/A
Operating Margin	14.9%+1.2pp	13.7%-1.1pp	14.8%-0.6pp	15.4%
Net Margin	16.6%+15.2pp	1.4%+1.4pp	0.0%0.0pp	0.0%
Return on Equity	49.4%+45.6pp	3.7%+3.7pp	0.0%	N/A
Return on Assets	11.1%+10.2pp	0.9%+0.9pp	0.0%	N/A
Current Ratio	5.12-1.0	6.10+4.0	2.15	N/A
Debt-to-Equity	0.02-0.0	0.05-1.5	1.54	N/A
FCF Margin	21.4%+3.1pp	18.3%+0.9pp	17.4%+0.7pp	16.7%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	21.1%+7.1pp	14.1%+1.9pp	12.2%+1.6pp	10.7%-3.1pp	13.8%+2.5pp	11.3%-2.9pp	14.2%-1.6pp	15.8%
Net Margin	51.4%+48.8pp	2.7%-0.6pp	3.3%+0.8pp	2.5%-13.3pp	15.8%+13.6pp	2.2%+2.2pp	0.0%0.0pp	0.0%
Return on Equity	43.4%+41.2pp	2.2%-0.3pp	2.5%+0.7pp	1.8%-9.3pp	11.0%+9.4pp	1.6%+1.6pp	0.0%	N/A
Return on Assets	9.7%+9.2pp	0.5%-0.1pp	0.6%+0.2pp	0.4%-2.1pp	2.5%+2.1pp	0.4%+0.4pp	0.0%	N/A
Current Ratio	5.12+0.4	4.68+0.1	4.59-1.0	5.63-0.5	6.10-0.0	6.15+4.3	1.84	N/A
Debt-to-Equity	0.02-0.0	0.040.0	0.05-0.0	0.060.0	0.05-0.0	0.08-0.6	0.70	N/A
FCF Margin	18.6%-4.6pp	23.2%+7.3pp	15.9%-13.2pp	29.0%+12.3pp	16.8%-5.0pp	21.7%+7.9pp	13.9%-7.2pp	21.1%

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Frequently Asked Questions

What is TWFG INC's annual revenue?

TWFG INC (TWFG) reported $248.5M in total revenue for fiscal year 2025. This represents a 22.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is TWFG INC's revenue growing?

TWFG INC (TWFG) revenue grew by 22% year-over-year, from $203.8M to $248.5M in fiscal year 2025.

Is TWFG INC profitable?

Yes, TWFG INC (TWFG) reported a net income of $41.2M in fiscal year 2025, with a net profit margin of 16.6%.

What is TWFG INC's EBITDA?

TWFG INC (TWFG) had EBITDA of $55.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does TWFG INC have?

As of fiscal year 2025, TWFG INC (TWFG) had $155.9M in cash and equivalents against $2.0M in long-term debt.

What is TWFG INC's operating margin?

TWFG INC (TWFG) had an operating margin of 14.9% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is TWFG INC's net profit margin?

TWFG INC (TWFG) had a net profit margin of 16.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is TWFG INC's return on equity (ROE)?

TWFG INC (TWFG) has a return on equity of 49.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is TWFG INC's free cash flow?

TWFG INC (TWFG) generated $53.1M in free cash flow during fiscal year 2025. This represents a 42.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is TWFG INC's operating cash flow?

TWFG INC (TWFG) generated $53.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are TWFG INC's total assets?

TWFG INC (TWFG) had $372.3M in total assets as of fiscal year 2025, including both current and long-term assets.

What are TWFG INC's capital expenditures?

TWFG INC (TWFG) invested $356K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

What is TWFG INC's current ratio?

TWFG INC (TWFG) had a current ratio of 5.12 as of fiscal year 2025, which is generally considered healthy.

What is TWFG INC's debt-to-equity ratio?

TWFG INC (TWFG) had a debt-to-equity ratio of 0.02 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is TWFG INC's return on assets (ROA)?

TWFG INC (TWFG) had a return on assets of 11.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is TWFG INC's Altman Z-Score?

TWFG INC (TWFG) has an Altman Z-Score of 2.23, placing it in the Grey Zone (moderate risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

What is TWFG INC's Piotroski F-Score?

TWFG INC (TWFG) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are TWFG INC's earnings high quality?

TWFG INC (TWFG) has an earnings quality ratio of 1.30x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can TWFG INC cover its interest payments?

TWFG INC (TWFG) has an interest coverage ratio of 123.3x, meaning it can comfortably cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is TWFG INC?

TWFG INC (TWFG) scores 84 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.