TWFG, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from TWFG, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Net Worth Ratio: Goodwill and other intangibles are larger than its whole net worth, so its tangible net worth is negative. Less tangible than 95% of Financial Services companies in United States.
- Tangible Assets Ratio: Of every $100 the company owns, $63 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. Less tangible than 91% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
$9Sales grew 58% in 3 years; of every extra $100 of sales, $9 became extra profit.
Lower than 68% of Financial Services companies in United States.
Asset Productivity Ratio
+58% / +226%In 3 years sales changed by +58% while total assets changed by +226%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
63%Of every $100 the company owns, $63 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 91% of Financial Services companies in United States.
Tangible Net Worth Ratio
NegativeGoodwill and other intangibles are larger than its whole net worth, so its tangible net worth is negative.
Less tangible than 95% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
TWFG, Inc. owes $0.20 for every $1 it owns. Net profit rose 190% in the year to Dec 2025.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
48.6Investors pay $48.6 for every $1 of TWFG, Inc.'s yearly profit, higher than 94% of Financial Services companies in United States.
P/B ratio
8.00The share price is 8.00 times TWFG, Inc.'s book value per share, higher than 96% of Financial Services companies in United States.
Market cap
$369 MThe total market value of all of TWFG, Inc.'s shares at today's price (share price × number of shares), smaller than 66% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$46 MWhat TWFG, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$3.58Net worth divided by the number of shares. The share price of $28.67 is 8.0 times this, which is the P/B above.
Return on equity (ROE)
19.3%TWFG, Inc. earned 19.3% on its shareholders' money over the last year, higher than 85% of Financial Services companies in United States.
Owes vs Owns
0.20×TWFG, Inc. owes $0.20 for every $1 it owns (low), lower than 83% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneTWFG, Inc. does not currently pay a dividend.
Revenue growth
+21%Revenue rose 21% in the year to Dec 2025, and grew 17% a year on average over 3 years.
Profit growth
+190%Net profit rose 190% in the year to Dec 2025.
Profit margin
3.4%TWFG, Inc. keeps $3 of every $100 of revenue as net profit.
Questions
What is TWFG, Inc.'s P/E ratio?
Investors pay $48.6 for every $1 of TWFG, Inc.'s yearly profit, higher than 94% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For TWFG, Inc.: $369 M ÷ $46 M (30 Jun 2026) = 8.0.
What is TWFG, Inc.'s return on equity?
TWFG, Inc. earned 19.3% on its shareholders' money over the last year, higher than 85% of Financial Services companies in United States.
How much does TWFG, Inc. owe compared with what it owns?
TWFG, Inc. owes $0.20 for every $1 it owns (low), lower than 83% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does TWFG, Inc. pay a dividend?
No. TWFG, Inc. does not currently pay a dividend.
Is TWFG, Inc.'s revenue growing?
Revenue rose 21% in the year to Dec 2025, and grew 17% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.