# Twfg, Inc. (TWFG)

- Sector: Financials · Industry: Insurance Brokers
- SEC CIK: 0002007596 ([filings on EDGAR](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0002007596))
- Full page: https://inspectstocks.com/stocks/twfg
- Data as of: price 2026-09-25; newest filing used 2026-08-06; latest fiscal period ended 2026-06-30

## Grade

**A+** on the growth-and-cash rubric, 5 of 5 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Revenue growing overall | passed | $294.7M | $153.9M |
| Revenue growing recently | passed | $294.7M | $248.5M |
| Free cash flow positive | passed | $59.7M |  |
| Free cash flow growing overall | passed | $59.7M | $25.6M |
| Free cash flow growing recently | passed | $59.7M | $53.1M |

Business quality (the + / − mark): 5 of 6 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | 7.3% |  |
| Healthy profit margin | failed | 7.3% |  |
| Strong operating margin | passed | 18.3% |  |
| Good return on equity | passed | 25.8% |  |
| Debt under control | passed | 0.10 |  |
| Turns sales into cash | passed | 20.3% |  |

How the grade works: the letter counts failed checks (none → A, one → B, two → C, three → D, four or more → F). It is built from SEC filings only — the share price never enters it — and describes the business, not whether the stock is worth buying.

## Key figures

In US dollars, as filed.

| Measure | Value |
| --- | --- |
| Revenue, trailing twelve months | $294.7M |
| Net income, trailing twelve months | $21.5M |
| Free cash flow, trailing twelve months | $59.7M |
| Net margin | 7.3% |
| Operating margin | 18.3% |
| Return on equity | 25.8% |
| Debt to equity | 0.10 |
| Diluted EPS, trailing twelve months | $0.60 |
| Share price | $24.15 |
| Market value | $338.1M |
| Price / earnings | 40.3x |
| Price / sales | 1.1x |

## More on this company

- [Overview](https://inspectstocks.com/stocks/twfg)
- [Financial statements](https://inspectstocks.com/stocks/twfg/financials)
- [Competitors](https://inspectstocks.com/stocks/twfg/peers)
- [Earnings](https://inspectstocks.com/stocks/twfg/earnings)

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Source: InspectStocks, built from the company’s own SEC filings. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.