TWFG, Inc. Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Apr '26 Apr 28, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Market Capitalization	1,102	432	456	-	-
Market Cap Growth	-37.11%	-5.22%	-	-	-
Enterprise Value	962	512	472	-	-
Last Close Price	19.90	28.77	30.80	-	-
PE Ratio	37.46	54.30	166.20	-	-
Forward PE	21.32	34.35	51.06	-	-
PS Ratio	4.43	1.74	2.24	-	-
PB Ratio	3.59	1.37	1.66	-	-
P/TBV Ratio	-	-	503.54	-	-
P/FCF Ratio	20.74	8.14	12.24	-	-
P/OCF Ratio	20.60	8.08	11.27	-	-
EV/Sales Ratio	3.87	2.06	2.32	-	-
EV/EBITDA Ratio	17.60	9.37	12.12	-	-
EV/EBIT Ratio	26.00	13.84	16.92	-	-
EV/FCF Ratio	18.09	9.63	12.67	-	-
Debt / Equity Ratio	0.05	0.05	0.04	1.71	0.23
Debt / EBITDA Ratio	0.28	0.28	0.30	1.71	0.48
Debt / FCF Ratio	0.29	0.29	0.32	1.78	0.52
Net Debt / Equity Ratio	-0.44	-0.44	-0.67	0.45	-0.16
Net Debt / EBITDA Ratio	-2.57	-2.57	-4.71	0.46	-0.33
Net Debt / FCF Ratio	-2.64	-2.64	-4.93	0.46	-0.35
Asset Turnover	0.71	0.71	0.93	1.50	-
Quick Ratio	4.55	4.55	5.82	1.84	0.93
Current Ratio	5.12	5.12	6.11	2.15	1.92
Return on Equity (ROE)	13.91%	13.91%	18.67%	56.87%	-
Return on Assets (ROA)	6.64%	6.64%	7.95%	13.82%	-
Return on Invested Capital (ROIC)	20.44%	25.59%	38.90%	54.22%	48.64%
Return on Capital Employed (ROCE)	11.30%	11.30%	9.80%	31.50%	35.00%
Earnings Yield	0.72%	1.84%	0.60%	-	-
FCF Yield	4.82%	12.29%	8.17%	-	-
Payout Ratio	-	199.20%	339.05%	-	-
Buyback Yield / Dilution	-0.79%	-0.79%	-2271.57%	-	-

Source: S&P Capital IQ. Standard template. Financial Sources.