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 0.17, which means that the company's assets are healthy financed, signaling financial stability.

TWFG, Inc. Common Stock's debt has increased relative to shareholder equity from 0.14 last year to 0.17 today, signaling weakened financials

TWFG, Inc. Common Stock has a net cash position, so leverage is healthy.

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 (118.10%) in the last year from 1.42% to 3.09%, 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 2.45% is lower than the 5.00% threshold, indicating inefficient asset utilization

TWFG, Inc. Common Stock's return on equity of 12.67%, 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 has insufficient public price history to evaluate earnings stability.

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 14.79%, 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 14.67% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

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 has insufficient public price history to evaluate revenue consistency.

TWFG, Inc. Common Stock has insufficient public price history to evaluate ROE consistency.

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

TWFG, Inc. Common Stock has an earnings yield of 2.27%, 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 3.40x, 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 insufficient diluted EPS history to calculate the PEG ratio.

TWFG, Inc. Common Stock has a price-to-book ratio of 1.35x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

TWFG, Inc. Common Stock has a price-to-sales ratio of 1.36x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue