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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| TWFG | -12.86% | N/A | N/A | +22% |
| S&P | +13.19% | +87.83% | +13.42% | +21% |
TWFG, Inc. engages in the provision of personal and commercial insurance products. Its products primarily consist of personal and commercial lines, including auto, home, renters, life, health, motorcycle, umbrella, boat, recreational vehicles, flood, wind, event, luxury items, general liability, property, business auto, workers’ compensation, business owner policy, professional liability, commercial bonds, and group benefits. The company was founded by Richard F. Bunch III in 2001 and is headquartered in The Woodlands, TX.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $64.08M | 17.4% |
| Gross Profit | $24.11M | 15.9% |
| Gross Margin | 37.63% | -0.5% |
| Market Cap | $411.75M | -72.1% |
| Market Cap / Employee | $1.41M | 0.0% |
| Employees | 293 | 0.0% |
| Net Income | $9.62M | 39.6% |
| EBITDA | $14.32M | 34.4% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Net Cash | $162.54M | -19.1% |
| Inventory | 0 | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $5.67M | -4.5% |
| Short Term Debt | $3.35M | 12.9% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 2.00% | 0.0% |
| Return On Invested Capital | 12.25% | -20.9% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $14.88M | 28.6% |
| Operating Free Cash Flow | $14.95M | 27.5% |
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 28.00 | 41.65 | 86.31 | 62.05 | 207.66% |
| Price to Book | 6.42 | 6.20 | 6.94 | 5.20 | -76.18% |
| Price to Sales | 2.22 | 2.18 | 8.94 | 1.80 | -12.98% |
| Price to Tangible Book Value | -115.85 | 505.34 | -91.44 | -8.66 | -93.96% |
| Price to Free Cash Flow TTM | 12.24 | 7.26 | 29.59 | 5.93 | -93.41% |
| Enterprise Value to EBITDA | 45.69 | 52.19 | 179.96 | 33.33 | -12.72% |
| Free Cash Flow Yield | 8.2% | 13.8% | 3.4% | 16.9% | 1417.89% |
| Return on Equity | 31.1% | 15.7% | 8.3% | 8.8% | - |
| Total Debt | $10.30M | $9.69M | $9.33M | $9.02M | 1.27% |
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