What is TWFG, Inc.'s earnings per share (EPS)?

TWFG, Inc. (TWFG) reported diluted earnings per share of $0.53 for fiscal year 2025. 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. (TWFG) Financials

TWFG

Trailing 12 months to June 30, 2026

Revenue $294.7M +34.7% YoY

Net Income $42.0M +233.3% YoY

EPS (Diluted) $0.60 +46.3% YoY

Free Cash Flow $59.7M +31.5% YoY

Market Cap $317.0M as of Oct 3, 2026

Price / Sales 1.1x on $294.7M revenue, trailing 12 months to June 30, 2026

Price / Earnings 7.5x on $42.0M net income, trailing 12 months to June 30, 2026

Price / Book 6.9x on $46.2M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the TWFG SEC filings page.

TWFG, Inc. (TWFG) reported $294.7M in revenue over the twelve months to Jun 30, 2026, up 34.7% from the prior twelve months. This page shows its 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).

Rhea AI TWFG FY2025 2026-10-03

TWFG’s growth is increasingly cash-generative, while a sharp debt reduction leaves earnings quality and financing mix as key distinctions.

Cash conversion was stronger than accounting earnings alone suggest: FY2025 operating cash flow reached $53.5M versus net income of $41.2M. Free cash flow was nearly as high at $53.1M because capital spending was only $356K, indicating that relatively little operating cash was absorbed by reinvestment.

Scale-up is visible in revenue reaching $248.5M in FY2025 from $172.0M in FY2023. Margin recovery matters more than the growth alone: operating margin dipped to 13.7% in FY2024 before returning to 14.9%, showing that expansion temporarily absorbed more operating cost rather than steadily weakening profitability.

Low reported debt materially changed the financing profile: debt-to-equity fell from 1.5x in FY2023 to 0.0x in FY2025. That does not mean a liability-free balance sheet—FY2025 liabilities were $289.0M against equity of $83.4M—but a 5.1x current ratio indicates substantial short-term asset coverage.

Financial Health Signals

Financial health score not available

TWFG, Inc. does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

6/7

TWFG, Inc. passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 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

123.28x

TWFG, Inc. earns $123.28 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

$87.5M

YoY+45.1%

QoQ+20.1%

TWFG, Inc. generated $87.5M in revenue in Q2 2026. This represents an increase of 45.1% from the same quarter a year earlier. Against the prior quarter it is up 20.1%.

EBITDA

$24.7M

YoY+118.9%

QoQ+33.1%

TWFG, Inc.'s EBITDA was $24.7M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 118.9% from the same quarter a year earlier. Against the prior quarter it is up 33.1%.

Net Income

$2.4M

YoY+21.2%

QoQ+34.9%

TWFG, Inc. reported $2.4M in net income in Q2 2026. This represents an increase of 21.2% from the same quarter a year earlier. Against the prior quarter it is up 34.9%.

EPS (Diluted)

$0.18

YoY+38.5%

QoQ+50.0%

TWFG, Inc. earned $0.18 per diluted share (EPS) in Q2 2026. This represents an increase of 38.5% from the same quarter a year earlier. Against the prior quarter it is up 50.0%.

Cash & Balance Sheet

Free Cash Flow

$9.3M

YoY-2.7%

QoQ-58.5%

TWFG, Inc. generated $9.3M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 2.7% from the same quarter a year earlier. Against the prior quarter it is down 58.5%.

Cash & Debt

$73.7M

YoY-53.9%

QoQ-40.9%

TWFG, Inc. held $73.7M in cash against $1.0M in long-term debt as of Q2 2026.

Shares Outstanding

Diluted avg 13M

TWFG, Inc. had a weighted average of 13M diluted shares in Q2 2026; the shares outstanding count is not reported for that period.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Operating Margin

20.1%

YoY+7.9pp

QoQ+3.1pp

TWFG, Inc.'s operating margin was 20.1% in Q2 2026, reflecting core business profitability. This is up 7.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.1 percentage points.

Net Margin

2.7%

YoY-0.5pp

QoQ+0.3pp

TWFG, Inc.'s net profit margin was 2.7% in Q2 2026, showing the share of revenue converted to profit. This is down 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.

Return on Equity

5.1%

YoY+2.7pp

QoQ+2.6pp

TWFG, Inc.'s ROE was 5.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 2.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.6 percentage points.

Gross Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$26.3M

QoQ+58.8%

TWFG, Inc. spent $26.3M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is up 58.8%.

Capital Expenditures

$505K

YoY+1047.7%

QoQ+72.9%

TWFG, Inc. invested $505K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 1047.7% from the same quarter a year earlier. Against the prior quarter it is up 72.9%.

R&D Spending

Not reported for Q2 2026.

TWFG Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TWFG quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K
Revenue	$294.7M	$248.5M+22.0%	$203.8M+18.4%	$172.0M+11.8%	$153.9M
SG&A Expenses	$41.6M	$37.6M+29.5%	$29.1M+108.0%	$14.0M+14.1%	$12.2M
Operating Income	$53.8M	$37.0M+32.4%	$27.9M+10.0%	$25.4M+7.1%	$23.7M
EBITDA	N/A	$55.3M+38.5%	$39.9M+32.0%	$30.3M+12.0%	$27.0M
Interest Expense	$300K	$300K-86.4%	$2.2M+120.0%	$1.0M+151.3%	$398K
Income Tax	$4.2M	$3.3M+119.3%	$1.5M	$0	$0
Net Income	$42.0M	$41.2M+1399.7%	$2.7M	$0	$0
EPS (Basic)	N/A	$0.53+178.9%	$0.19	N/A	N/A
EPS (Diluted)	$0.60	$0.53	$0.19	N/A	N/A
Diluted Shares (Avg)	N/A	15M	15M	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$87.5M+45.1%	$72.8M+35.3%	$70.3M+35.8%	$64.1M+21.3%	$60.3M+13.8%	$53.8M+16.6%	$51.7M	$52.9M+10.8%
SG&A Expenses	$11.8M+24.1%	$9.9M+20.8%	$10.0M+30.7%	$9.9M+19.2%	$9.5M+39.3%	$8.2M+31.1%	$7.7M	$8.3M+145.8%
Operating Income	$17.6M+138.9%	$12.4M+115.5%	$14.9M+108.3%	$9.0M+51.4%	$7.4M-2.1%	$5.7M-21.5%	$7.1M	$6.0M-24.5%
EBITDA	$24.7M+118.9%	$18.5M+103.8%	$20.6M+102.5%	$14.4M+60.4%	$11.3M+7.4%	$9.1M-11.9%	$10.2M	$9.0M-1.0%
Interest Expense	$100K0.0%	$100K0.0%	$30K-76.6%	$70K-82.5%	$100K-88.5%	$100K-87.5%	$128K	$400K+33.3%
Income Tax	$1.0M+66.3%	$1.1M+72.7%	$1.0M-3.0%	$977K+123.6%	$620K	$656K	$1.1M	$437K
Net Income	$2.4M+21.2%	$1.8M+31.3%	$36.1M+343.4%	$1.7M+49.2%	$2.0M	$1.3M	$8.2M	$1.2M-84.8%
EPS (Basic)	$0.18+38.5%	$0.12+33.3%	$0.19+72.7%	$0.11+37.5%	$0.13-98.8%	$0.09	$0.11	$0.08
EPS (Diluted)	$0.18+38.5%	$0.12+33.3%	$0.19	$0.11+37.5%	$0.13-98.8%	$0.09	$0.11	$0.08
Diluted Shares (Avg)	13M-76.7%	15M-1.1%	N/A	15M+1.4%	56M+8434.4%	15M	N/A	15M

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses.

TWFG Balance Sheet

TWFG quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K
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
Short-Term Investments	$0	$0	$0	$0
Accounts Receivable	$7.5M-4.7%	$7.8M+31.0%	$6.0M	N/A
Long-Term Investments	$0	$0	$0	$0
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
Non-Current Liabilities	$244.9M+16.6%	$209.9M+324.3%	$49.5M	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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$358.4M+4.5%	$371.2M+12.3%	$372.3M+15.1%	$349.2M+11.5%	$342.8M+118.1%	$330.5M	$323.4M+180.2%	$313.1M
Current Assets	$170.5M-18.2%	$201.4M-16.6%	$225.5M-6.8%	$211.3M-9.7%	$208.5M+176.7%	$241.4M	$241.8M+222.0%	$234.1M
Cash & Equivalents	$73.7M-53.9%	$124.8M-36.4%	$155.9M-20.4%	$151.0M-21.0%	$159.8M+520.6%	$196.4M	$195.8M+398.2%	$191.2M+468.6%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$14.2M+52.3%	$8.1M0.0%	$7.5M-4.7%	$8.2M-7.0%	$9.4M-2.7%	$8.1M	$7.8M+31.0%	$8.8M
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$312.2M+18.2%	$302.0M+18.3%	$289.0M+15.8%	$269.8M+11.5%	$264.2M+194.5%	$255.3M	$249.5M+195.7%	$242.0M
Current Liabilities	$66.6M+46.6%	$58.9M+37.4%	$44.1M+11.3%	$45.1M+18.5%	$45.4M+10.6%	$42.9M	$39.6M+13.5%	$38.1M
Non-Current Liabilities	$245.6M+12.3%	$243.1M+14.4%	$244.9M+16.6%	$224.7M+10.2%	$218.8M+349.6%	$212.5M	$209.9M+324.3%	$203.9M
Long-Term Debt	$1.0M-73.4%	$1.5M-65.9%	$2.0M-49.2%	$3.2M-40.7%	$3.9M-91.8%	$4.5M	$4.0M-91.6%	$5.4M
Total Equity	$46.2M-41.3%	$69.2M-8.0%	$83.4M+12.9%	$79.4M+11.6%	$78.7M+16.5%	$75.2M	$73.9M+137.9%	$71.1M
Retained Earnings	$27.4M+47.3%	$25.0M+50.4%	$23.3M+52.1%	$20.3M+48.2%	$18.6M+65.1%	$16.6M	$15.3M+218.2%	$13.7M

Not reported in any period shown, so not listed: Inventory, Goodwill.

TWFG Cash Flow Statement

TWFG quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K
Operating Cash Flow	$60.8M	$53.5M+32.2%	$40.5M+34.2%	$30.2M+17.1%	$25.8M
Depreciation & Amortization	N/A	$18.4M+52.7%	$12.0M+147.2%	$4.9M+47.2%	$3.3M
Stock-Based Compensation	N/A	$4.6M+106.3%	$2.2M	$0	$0
Capital Expenditures	$1.1M	$356K-88.9%	$3.2M+1131.2%	$260K+126.1%	$115K
Free Cash Flow	$59.7M	$53.1M+42.6%	$37.3M+24.7%	$29.9M+16.6%	$25.6M
Investing Cash Flow	-$77.0M	-$70.4M-180.9%	-$25.1M-71.0%	-$14.7M-1.0%	-$14.5M
Financing Cash Flow	-$62.0M	-$20.5M-114.3%	$143.4M+1579.4%	-$9.7M+36.5%	-$15.3M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$9.8M+2.1%	$22.7M+45.2%	$13.3M+14.6%	$15.0M+27.5%	$9.6M+29.9%	$15.6M+60.4%	$11.6M+91.7%	$11.7M+58.6%
Depreciation & Amortization	$7.1M+81.1%	$6.2M+83.7%	$5.8M+88.8%	$5.3M+78.5%	$3.9M+31.4%	$3.4M+11.5%	$3.1M+100.7%	$3.0M+160.7%
Stock-Based Compensation	N/A	$856K-28.9%	N/A	N/A	N/A	$1.2M	N/A	N/A
Capital Expenditures	$505K+1047.7%	$292K+1846.7%	$228K-92.2%	$69K-70.4%	$44K+12.8%	$15K+87.5%	$2.9M+6693.0%	$233K+42.9%
Free Cash Flow	$9.3M-2.7%	$22.4M+43.5%	$13.1M+50.5%	$14.9M+29.5%	$9.6M+30.0%	$15.6M+60.4%	$8.7M+44.5%	$11.5M+58.9%
Investing Cash Flow	-$25.0M+29.7%	-$28.3M-153.8%	-$6.6M-91.4%	-$17.0M-4555.5%	-$35.5M-14586.0%	-$11.2M+46.8%	-$3.5M+60.2%	-$366K+52.2%
Financing Cash Flow	-$35.7M-214.7%	-$18.6M-1121.8%	-$1.3M+65.1%	-$6.4M-104.2%	-$11.4M-450.2%	-$1.5M+60.1%	-$3.7M-148.3%	$153.0M+5872.7%
Share Buybacks	$26.3M	$16.6M	N/A	N/A	$0	$0	N/A	N/A

Not reported in any period shown, so not listed: Dividends Paid.

TWFG Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TWFG quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K
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	5.12-1.0x	6.10+4.0x	2.15	N/A
Debt-to-Equity	0.020.0x	0.05-1.5x	1.54	N/A
Asset Turnover	0.670.0x	0.63-0.9x	1.49	N/A
FCF Margin	21.4%+3.1pp	18.3%+0.9pp	17.4%+0.7pp	16.7%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Margin	20.1%+7.9pp	17.0%+6.3pp	21.1%+7.4pp	14.1%+2.8pp	12.2%-2.0pp	10.7%-5.2pp	13.8%	11.3%-5.3pp
Net Margin	2.7%-0.5pp	2.4%-0.1pp	51.4%+35.7pp	2.7%+0.5pp	3.3%+3.3pp	2.5%+2.5pp	15.8%	2.2%-13.8pp
Return on Equity	5.1%+2.7pp	2.5%+0.8pp	43.4%+32.3pp	2.2%+0.6pp	2.5%+2.5pp	1.8%	11.0%	1.6%
Return on Assets	0.7%+0.1pp	0.5%+0.1pp	9.7%+7.2pp	0.5%+0.1pp	0.6%+0.6pp	0.4%	2.5%	0.4%
Current Ratio	2.56-2.0x	3.42-2.2x	5.12-1.0x	4.68-1.5x	4.59+2.8x	5.63	6.10+4.0x	6.15
Debt-to-Equity	0.020.0x	0.020.0x	0.020.0x	0.040.0x	0.05-0.6x	0.06	0.05-1.5x	0.08
Asset Turnover	0.24+0.1x	0.200.0x	0.190.0x	0.180.0x	0.18-0.2x	0.16	0.16	0.17
FCF Margin	10.6%-5.2pp	30.8%+1.8pp	18.6%+1.8pp	23.2%+1.5pp	15.9%+2.0pp	29.0%+7.9pp	16.8%	21.7%+6.6pp

Not reported in any period shown, so not listed: Gross Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
TWFG, Inc. TWFG	FY2025	$248.5M	$41.2M	16.6%	$317.0M	—
SelectQuote, Inc. SLQT	FY2026	$1.6B	$62.2M	3.8%	$73.7M	13/100
Crawford & Company CRD-B	FY2025	$1.3B	$19.7M	1.5%	$465.6M	—
Crawford & Company CRD-A	FY2025	$1.3B	$19.7M	1.5%	$460.7M	—
XChange TEC.INC XHG	FY2025	$51.3M	-$105.1M	N/A	$95.9M	1/100
eHealth, Inc. EHTH	FY2025	$554.0M	$40.0M	7.2%	$21.5M	18/100

Where TWFG, Inc. Ranks

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 22.0% 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 P/E ratio?

TWFG, Inc. (TWFG) trades at 7.5x earnings, its market capitalization divided by net income of $42.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $317.0M as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is TWFG, Inc.'s price-to-sales ratio?

TWFG, Inc. (TWFG) trades at 1.1x sales, its market capitalization divided by revenue of $294.7M revenue, trailing 12 months to June 30, 2026. The market capitalization is $317.0M as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is TWFG, Inc.'s Piotroski F-Score?

TWFG, Inc. (TWFG) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 123.28x, 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.