XNASTWFG
Market cap438mUSD
Jan 15, Last price
29.60USD
1D
1.37%
1Q
1.37%
IPO
30.92%
Name
TWFG Inc
Chart & Performance
P/E
106.08
P/S
2.63
EPS
0.28
Div Yield, %
7.62%
Shrs. gr., 5y
—
Rev. gr., 5y
%
Revenues
167m
+13.00%
Net income
4m
-79.95%
CFO
30m
+17.08%
Profile
TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. Its personal and commercial insurance products include 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. The company was founded in 2001 and is based in The Woodlands, Texas. TWFG, Inc. operates as a subsidiary of Bunch Family Holdings, LLC.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY |
|---|---|---|
| 2023‑12 | 2022‑12 | |
| Income | ||
Revenues | 166,990 13.00% | 147,784 |
Cost of revenue | 146,457 | 127,254 |
Unusual Expense (Income) | ||
NOPBT | 20,533 | 20,530 |
NOPBT Margin | 12.30% | 13.89% |
Operating Taxes | 878 | 2,733 |
Tax Rate | 4.28% | 13.31% |
NOPAT | 19,655 | 17,797 |
Net income | 4,133 -79.95% | 20,614 |
Dividends | (33,406) | (20,558) |
Dividend yield | ||
Proceeds from repurchase of equity | ||
BB yield | ||
| Debt | ||
Debt current | 3,319 | 3,272 |
Long-term debt | 50,837 | 12,345 |
Deferred revenue | ||
Other long-term liabilities | 1,037 | |
Net debt | 14,859 | (6,713) |
| Cash flow | ||
Cash from operating activities | 30,154 | 25,755 |
CAPEX | (260) | (12,279) |
Cash from investing activities | (14,655) | (14,504) |
Cash from financing activities | (9,695) | (15,264) |
FCF | 38,628 | |
| Balance | ||
Cash | 39,297 | 22,330 |
Long term investments | ||
Excess cash | 30,948 | 14,941 |
Stockholders' equity | 5,937 | 32,672 |
Invested Capital | 77,907 | 56,153 |
ROIC | 29.32% | 31.69% |
ROCE | 24.49% | 28.88% |
| EV | ||
Common stock shares outstanding | 13,162 | 631,750 |
Price | ||
Market cap | ||
EV | ||
EBITDA | 25,395 | 23,832 |
EV/EBITDA | ||
Interest | 1,003 | |
Interest/NOPBT | 4.88% | |