TWFG, Inc. Common Stock cash flow to debt ratio of 480.99% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

TWFG, Inc. Common Stock's free cash flow has increased 42.56% from $37.28M last year to $53.15M, signaling increasing performance

TWFG, Inc. Common Stock's debt to equity ratio is 0.11, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.

TWFG, Inc. Common Stock's debt has decreased relative to shareholder equity from 0.14 last year to 0.11 today, signaling strengthened financials

TWFG, Inc. Common Stock has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

TWFG, Inc. Common Stock earns at least as much interest as it pays. Interest obligations are fully covered.

TWFG, Inc. Common Stock's profit margin has increased (131.97%) in the last year from 1.42% to 3.29%, signaling increasing performance

TWFG, Inc. Common Stock's short-term assets of $224.09M exceed its short-term liabilities of $3.29M

TWFG, Inc. Common Stock's return on assets of 2.26% is lower than the 5.00% threshold, indicating inefficient asset utilization

TWFG, Inc. Common Stock's return on equity of 10.80%, is lower than 15.00%, indicating bad performance

TWFG, Inc. Common Stock's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

TWFG, Inc. Common Stock had positive net income in only 2.00 out of 5 years, indicating unstable earnings

TWFG, Inc. Common Stock has positive free cash flow, indicating the company generates cash after capital expenditures

TWFG, Inc. Common Stock has a free cash flow yield of 17.27%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

TWFG, Inc. Common Stock's yearly earnings has increased 190.09% since last year from $2.75M to $7.96M, signaling increasing performance

TWFG, Inc. Common Stock's yearly revenue has increased 27.55% since last year from $193.72M to $247.08M, signaling increasing performance

ROIC 9.06% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

TWFG, Inc. Common Stock's 3-year revenue CAGR of 16.55% is positive, indicating growing revenue over the past 3 years

TWFG, Inc. Common Stock had revenue growth in 3.00 out of 5 years, indicating consistent revenue performance

TWFG, Inc. Common Stock had positive ROE in only 2.00 out of 5 years, indicating inconsistent returns on equity

TWFG, Inc. Common Stock has insufficient data to evaluate this check.

TWFG, Inc. Common Stock has an earnings yield of 2.39%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

TWFG, Inc. Common Stock is undervalued relative to its fair value price of 39.02 based on EBITDA multiple model

TWFG, Inc. Common Stock has an EV/EBITDA ratio of 2.62x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

TWFG, Inc. Common Stock has insufficient data to evaluate this check.

TWFG, Inc. Common Stock has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

TWFG, Inc. Common Stock has a price-to-book ratio of 5.06x, which exceeds the 5.00x threshold, indicating the stock may be overvalued relative to its book value

TWFG, Inc. Common Stock has a price-to-sales ratio of 1.21x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue