TWFG, Inc.
TWFGFinancial ServicesNASDAQInsurance Brokers
Scan Results
Daily timeframeTWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. The $281.6M market capitalization puts TWFG squarely in micro-cap range for its industry. The company offers auto, home, renters, life, health, motorcycle, umbrella, boat, recreational vehicle, flood, wind, event, luxury item, general liability, property, business auto, workers' compensation, business owner policy, and professional liability insurance products, as well as commercial bonds and group benefits.
Market Cap
$281.6M
Beta
—
P/E (TTM)
38.70
P/E (Fwd)
19.59
EPS (TTM)
$0.56
EPS (Fwd)
$1.11
ROE
16.2%
ROA
7.8%
Cash
$124.8M
Total Debt
$8.5M
Free CF
-$42.0M
52W Change
-38.5%
Annual Financials
Cash vs Debt
The balance sheet looks solid with $124.8M in cash comfortably exceeding the $8.5M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. The company is burning cash, with free cash flow at -$42.0M. This typically occurs when a company is investing aggressively in growth, but sustained cash burn can strain the balance sheet. Return on equity stands at 16.2%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. An ROA of 7.8% suggests reasonable efficiency in deploying the company's asset base. Revenue has grown from $147.8M (2022) to $234.0M (2025), reflecting a 58% increase over the period.
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. The company is burning cash at the operating level, which is not unusual for growth-phase companies but adds risk if it persists. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence TWFG, Inc.'s trajectory.