TWFG TWFG, Inc. - Common Stock
$18.76
가격 · 5월 20, 2026
기준 재무 정보 5월 8, 2026
52주 범위
$17–$37
10% of range
애널리스트 평점
BUY
14 analysts
목표 주가
$25
+33% upside
P/E (TTM)
54.3
ROE
—
순이익률
—
TWFG 주식 스냅샷 가격, 시가총액, P/E, EPS, ROE, 부채/자본, 52주 범위
가격
$18.75
시가총액
—
P/E (TTM)
54.3
EPS (TTM)
$0.53
매출 (TTM)
$249M
배당 수익률
—
ROE
—
부채/자본
0.0
52주 범위
$17 – $37
TWFG 주가 차트 기술 지표가 포함된 일일 OHLCV — 팬, 확대/축소 및 보기 사용자 정의
Configure
10년 성과 매출, 순이익, 마진 및 EPS 추세
매출 및 순이익
$249M
2022-12-31
→
2025-12-31
EPS
$0.53
2024-12-31
→
2025-12-31
잉여현금흐름
$53M
2024-12-31
→
2025-12-31
마진
—
가치 평가 P/E, P/S, P/B, EV/EBITDA 비율 — 주식이 비싼가요, 싼가요?
지표
5년 추세
TWFG
동종업계 중앙값
P/E (TTM)
54.3
23.4
수익성 총, 영업 및 순이익률; ROE, ROA, ROIC
지표
5년 추세
TWFG
동종업계 중앙값
Operating Margin (영업이익률)
14.9%
—
ROIC
39.2%
—
재무 건전성 부채, 유동성, 지급능력 — 대차대조표 건전성
지표
5년 추세
TWFG
동종업계 중앙값
Debt / Equity (부채 / 자기자본 비율)
0.0
339.7
Current Ratio (유동비율)
5.1
1.7
Quick Ratio (당좌 비율)
3.7
—
성장 매출, EPS 및 순이익 성장률: YoY, 3년 CAGR, 5년 CAGR
지표
5년 추세
TWFG
동종업계 중앙값
Revenue YoY (매출 YoY)
22.0%
—
Revenue CAGR 3Y (매출 CAGR 3년)
17.3%
—
EPS YoY
179.0%
—
자본 효율성 자산 회전율, 재고 회전율, 매출채권 회전율
지표
5년 추세
TWFG
동종업계 중앙값
TWFG 분석가 합의 강세 및 약세 애널리스트 의견, 12개월 목표 주가, 상승 여력
매수
14 명의 애널리스트
- 적극 매수 3 21.4%
- 매수 7 50.0%
- 보유 4 28.6%
- 매도 0 0.0%
- 적극 매도 0 0.0%
12개월 목표 주가
7 명의 애널리스트 · 2026-05-20
중앙값
$24.00
평균
$25.00
← 모든 목표가 하회
$18.75
저가
$22.00
고가
$31.00
중앙값 목표
$24.00
+28.0%
평균 목표
$25.00
+33.3%
실적 기록 EPS 실제 vs 예상, 서프라이즈 %, 달성률, 다음 실적 발표일
평균 서프라이즈
0.05%
| 기간 | EPS Actual | EPS 예상 | 서프라이즈 |
|---|---|---|---|
| 2026년 3월 31일 | $0.29 | $0.20 | 0.09% |
| 2025년 12월 31일 | $0.30 | $0.19 | 0.11% |
| 2025년 9월 30일 | $0.23 | $0.19 | 0.04% |
| 2025년 6월 30일 | $0.20 | $0.18 | 0.02% |
| 2025년 3월 31일 | $0.16 | $0.15 | 0.01% |
동료 비교 주요 지표 대 섹터 동종 기업
| 티커 | 시가총액 | P/E | 매출 YoY | 순이익률 | ROE | 매출 총이익률 |
|---|---|---|---|---|---|---|
| TWFG | — | 54.3 | 22.0% | — | — | — |
| RYAN | — | — | 21.3% | 2.1% | 9.9% | — |
| HGTY | — | — | 17.3% | 10.2% | 80.3% | — |
| BWIN | — | -48.1 | 8.3% | -2.2% | -5.7% | — |
| GSHD | — | 70.8 | 16.2% | 7.6% | -107.8% | — |
| LIFE | — | — | 52.0% | 18.4% | -108.4% | — |
| ABX | $833M | 23.8 | 110.2% | 15.5% | 8.8% | 87.7% |
| SLQT | $411M | 238.0 | 15.5% | 3.1% | 14.1% | — |
| HIT | — | 79.5 | 71.0% | 3.8% | 7.6% | 62.8% |
| EHTH | $143M | -13.5 | 4.1% | 7.2% | 7.0% | 43.5% |
전체 기본 지표 연도별 모든 지표 — 손익계산서, 대차대조표, 현금흐름
손익계산서 12
| 지표 | 추세 | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Revenue | $249M | $204M | $172M | |
| Operating Expenses | $212M | $176M | $147M | |
| Operating Income | $37M | $28M | $25M | |
| Other Non-op | $1M | $9.0K | $-17.0K | |
| Pretax Income | $44M | $30M | $25M | |
| Income Tax | $3M | $1M | $0 | |
| Net Income | · | $3M | $0 | |
| EPS (Basic) | $0.53 | $0.19 | · | |
| EPS (Diluted) | $0.53 | $0.19 | · | |
| Shares (Basic) | 14,914,346 | 14,772,115 | · | |
| Shares (Diluted) | 15,100,190 | 14,982,409 | · | |
| EBITDA | $55M | $40M | · |
대차대조표 22
| 지표 | 추세 | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Cash & Equivalents | $156M | $196M | $39M | |
| Receivables | $7M | $8M | $6M | |
| Other Current Assets | $13M | $2M | $2M | |
| Current Assets | $226M | $242M | $75M | |
| PP&E (Net) | $3M | $3M | $597.0K | |
| Intangibles | $139M | $73M | $36M | |
| Other Non-current Assets | $689.0K | $610.0K | $837.0K | |
| Total Assets | $372M | $323M | $115M | |
| Accounts Payable | $2M | $3M | $2M | |
| Short-term Debt | · | $2M | $2M | |
| Current Liabilities | $44M | $40M | $35M | |
| Capital Leases | $3M | $3M | $2M | |
| Other Non-current Liabilities | $0 | $24.0K | $0 | |
| Total Liabilities | $56M | $48M | $84M | |
| Long-term Debt | $4M | $8M | $51M | |
| Total Debt | $4M | $10M | · | |
| Paid-in Capital | $60M | $58M | $25M | |
| Retained Earnings | $23M | $15M | $5M | |
| AOCI | $30.0K | $83.0K | $500.0K | |
| Stockholders' Equity | $83M | $74M | $31M | |
| Liabilities + Equity | $372M | $323M | $115M | |
| Shares Outstanding | · | 0 | 631,750 |
현금 흐름 12
| 지표 | 추세 | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| D&A | $18M | $12M | $5M | |
| Stock-based Comp | $5M | $2M | $0 | |
| Deferred Tax | $0 | $0 | · | |
| Amort. of Intangibles | $18M | $12M | $5M | |
| Other Non-cash | · | $23M | · | |
| Operating Cash Flow | $54M | $40M | $30M | |
| CapEx | $356.0K | $3M | $260.0K | |
| Investing Cash Flow | $-70M | $-25M | $-15M | |
| Financing Cash Flow | $-21M | $143M | $-10M | |
| Net Change in Cash | $-37M | $159M | $6M | |
| Taxes Paid | $3M | $0 | $0 | |
| Free Cash Flow | $53M | $37M | · |
수익성 7
| 지표 | 추세 | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Operating Margin | 14.9% | 13.7% | · | |
| Net Margin | · | 1.4% | · | |
| Pretax Margin | 17.9% | 14.8% | · | |
| EBITDA Margin | 22.3% | 19.6% | · | |
| ROA | · | 1.2% | · | |
| ROE | · | 5.2% | · | |
| ROIC | 39.2% | 31.8% | · |
유동성 및 지급능력 4
| 지표 | 추세 | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Current Ratio | 5.1 | 6.1 | · | |
| Quick Ratio | 3.7 | 5.1 | · | |
| Debt / Equity | 0.0 | 0.1 | · | |
| LT Debt / Equity | 0.0 | 0.1 | · |
효율성 2
| 지표 | 추세 | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Asset Turnover | 0.7 | 0.9 | · | |
| Receivables Turnover | 32.5 | 29.5 | · |
성장률 3
| 지표 | 추세 | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Revenue YoY | 22.0% | 18.4% | 11.8% | |
| Revenue CAGR 3Y | 17.3% | · | · | |
| EPS YoY | 179.0% | · | · |
가치 평가 (TTM) 13
| 지표 | 추세 | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Revenue TTM | $249M | $204M | · | |
| Net Income TTM | $13M | $3M | · | |
| Market Cap | · | $0 | · | |
| Enterprise Value | · | $-186M | · | |
| P/E | 54.3 | 162.1 | · | |
| P/S | · | 0.0 | · | |
| P / Tangible Book | · | 0.0 | · | |
| P / Cash Flow | · | 0.0 | · | |
| P / FCF | · | 0.0 | · | |
| EV / EBITDA | · | -4.7 | · | |
| EV / FCF | · | -5.0 | · | |
| EV / Revenue | · | -0.9 | · | |
| Earnings Yield | 1.8% | 0.62% | · |
손익계산서 12
| 지표 | 추세 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $73M | $70M | $64M | $60M | $54M | $52M | $53M | $53M | $46M | $39M | $48M | |
| Operating Expenses | $60M | $55M | $55M | $53M | $48M | $45M | $47M | $45M | $39M | $34M | $40M | |
| Operating Income | $12M | $15M | $9M | $7M | $6M | $7M | $6M | $8M | $7M | $5M | $8M | |
| Other Non-op | $709.0K | $508.0K | $59.0K | $574.0K | $-1.0K | $1.0K | $-4.0K | $14.0K | $-2.0K | $-7.0K | $1.0K | |
| Pretax Income | $14M | $17M | $11M | $10M | $8M | $9M | $7M | $7M | $7M | $5M | $8M | |
| Income Tax | $1M | $1M | $977.0K | $620.0K | $656.0K | $1M | $437.0K | $0 | $0 | $0 | $0 | |
| Net Income | $2M | · | $2M | $2M | $1M | $2M | $1M | $0 | $0 | $-21M | $8M | |
| EPS (Basic) | $0.12 | $0.20 | $0.11 | $0.13 | $0.09 | $0.11 | $0.08 | $10.49 | · | · | · | |
| EPS (Diluted) | $0.12 | $0.20 | $0.11 | $0.13 | $0.09 | $0.11 | $0.08 | $10.49 | · | · | · | |
| Shares (Basic) | 14,794,482 | -29,884,902 | 15,005,426 | 14,904,083 | 14,889,739 | 49,430 | 14,722,685 | 659,439 | · | · | · | |
| Shares (Diluted) | 14,897,288 | -71,334,887 | 15,100,655 | 56,278,869 | 15,055,553 | 92,027 | 14,890,382 | 659,439 | · | · | · | |
| EBITDA | $19M | · | $9M | $7M | $9M | · | $8M | $8M | · | · | · |
대차대조표 22
| 지표 | 추세 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $125M | $156M | $151M | $160M | $196M | $196M | $191M | $26M | · | $39M | · | |
| Receivables | $8M | $7M | $8M | $9M | $8M | $8M | $9M | $10M | · | · | · | |
| Other Current Assets | $13M | $13M | $13M | $3M | $2M | $2M | $2M | $911.0K | · | · | · | |
| Current Assets | $201M | $226M | $211M | $209M | $241M | $242M | $234M | $75M | · | · | · | |
| PP&E (Net) | $3M | $3M | $3M | $3M | $3M | $3M | $682.0K | $514.0K | · | · | · | |
| Intangibles | $162M | $139M | $129M | $126M | $81M | $73M | $75M | $78M | · | · | · | |
| Other Non-current Assets | $664.0K | $689.0K | $734.0K | $779.0K | $535.0K | $610.0K | $635.0K | $801.0K | · | · | · | |
| Total Assets | $371M | $372M | $349M | $343M | $331M | $323M | $313M | $157M | · | · | · | |
| Accounts Payable | $2M | $2M | $2M | $2M | $653.0K | $3M | $768.0K | · | · | · | · | |
| Short-term Debt | · | · | $2M | $2M | $2M | · | $2M | $2M | · | · | · | |
| Current Liabilities | $59M | $44M | $45M | $45M | $43M | $40M | $38M | $41M | · | · | · | |
| Capital Leases | $3M | $3M | $3M | $3M | $3M | $3M | $1M | $2M | · | · | · | |
| Other Non-current Liabilities | · | $0 | $0 | $0 | $0 | $24.0K | · | · | · | · | · | |
| Total Liabilities | $65M | $56M | $53M | $54M | $50M | $48M | $45M | $90M | · | · | · | |
| Long-term Debt | $4M | $4M | $6M | $6M | $7M | $6M | $8M | $50M | · | · | · | |
| Total Debt | $4M | · | $8M | $8M | $9M | · | $10M | $52M | · | · | · | |
| Paid-in Capital | $44M | $60M | $59M | $60M | $58M | $58M | $57M | $55M | · | · | · | |
| Retained Earnings | $25M | $23M | $20M | $19M | $17M | $15M | $14M | $11M | · | · | · | |
| AOCI | $26.0K | $30.0K | $40.0K | $52.0K | $65.0K | $83.0K | $82.0K | $467.0K | · | · | · | |
| Stockholders' Equity | $69M | $83M | $79M | $79M | $75M | $74M | $71M | · | · | · | · | |
| Liabilities + Equity | $371M | $372M | $349M | $343M | $331M | $323M | $313M | $157M | · | · | · | |
| Shares Outstanding | · | · | · | · | · | 0 | 0 | 0 | · | 631,750 | · |
현금 흐름 13
| 지표 | 추세 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $6M | $6M | $5M | $4M | $3M | $3M | $3M | $3M | $3M | $2M | $1M | |
| Stock-based Comp | $856.0K | $872.0K | $987.0K | $2M | $1M | $1M | $1M | $0 | $0 | $0 | · | |
| Amort. of Intangibles | $6M | $6M | $5M | $4M | $3M | $3M | $3M | $3M | $3M | · | $1M | |
| Other Non-cash | $14M | · | · | · | $10M | · | · | · | · | · | · | |
| Operating Cash Flow | $23M | $13M | $15M | $10M | $16M | $12M | $12M | $7M | $10M | $6M | $7M | |
| CapEx | $292.0K | $228.0K | $69.0K | $44.0K | $15.0K | $3M | $233.0K | $39.0K | $8.0K | $43.0K | $163.0K | |
| Investing Cash Flow | $-28M | $-7M | $-17M | $-36M | $-11M | $-3M | $-366.0K | $-242.0K | $-21M | $-9M | $-766.0K | |
| Stock Repurchased | $17M | · | · | · | $0 | · | · | · | · | · | · | |
| Net Stock Activity | $-17M | · | · | · | · | · | · | · | · | · | · | |
| Financing Cash Flow | $-19M | $-1M | $-6M | $-11M | $-2M | $-4M | $153M | $-2M | $-4M | $8M | $-3M | |
| Net Change in Cash | $-24M | $5M | $-8M | $-37M | $3M | $4M | $164M | $5M | $-15M | $5M | $4M | |
| Taxes Paid | $152.0K | $684.0K | · | · | $0 | $0 | · | · | · | · | · | |
| Free Cash Flow | $22M | · | · | · | $16M | · | · | · | · | · | · |
수익성 7
| 지표 | 추세 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | 17.0% | · | 14.1% | 12.2% | 10.7% | · | 14.2% | 14.6% | · | · | · | |
| Net Margin | 2.4% | · | 2.7% | 3.2% | 2.5% | · | 2.1% | 13.0% | · | · | · | |
| Pretax Margin | 19.5% | · | 16.5% | 16.0% | 14.0% | · | 13.4% | · | · | · | · | |
| EBITDA Margin | 25.4% | · | 14.1% | 12.2% | 16.9% | · | 14.2% | 14.6% | · | · | · | |
| ROA | 0.50% | · | 0.52% | 0.78% | 0.81% | · | 0.74% | 8.8% | · | · | · | |
| ROE | 2.4% | · | 2.3% | 5.0% | 3.6% | · | 3.2% | · | · | · | · | |
| ROIC | 15.6% | · | 9.4% | 7.9% | 6.2% | · | 9.0% | · | · | · | · |
유동성 및 지급능력 4
| 지표 | 추세 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 3.4 | · | 4.7 | 4.6 | 5.6 | · | 6.1 | 1.8 | · | · | · | |
| Quick Ratio | 2.3 | · | 3.5 | 3.7 | 4.8 | · | 5.2 | 0.9 | · | · | · | |
| Debt / Equity | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 | · | · | · | · | |
| LT Debt / Equity | 0.0 | · | 0.0 | 0.0 | 0.1 | · | 0.1 | · | · | · | · |
효율성 2
| 지표 | 추세 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.2 | · | 0.2 | 0.2 | 0.3 | · | 0.3 | 0.7 | · | · | · | |
| Receivables Turnover | 9.0 | · | 7.6 | 6.4 | 13.4 | · | 12.4 | 11.1 | · | · | · |
가치 평가 (TTM) 9
| 지표 | 추세 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $251M | · | $231M | $220M | $206M | · | $200M | $192M | · | · | · | |
| Net Income TTM | $7M | · | $13M | $13M | $11M | · | $9M | $15M | · | · | · | |
| Market Cap | · | · | · | · | · | · | $0 | · | · | · | · | |
| Enterprise Value | · | · | · | · | · | · | $-181M | · | · | · | · | |
| P/E | 40.9 | · | 66.9 | 3.2 | · | · | · | · | · | · | · | |
| P/S | · | · | · | · | · | · | 0.0 | · | · | · | · | |
| EV / EBITDA | · | · | · | · | · | · | -23.4 | · | · | · | · | |
| EV / Revenue | · | · | · | · | · | · | -0.9 | · | · | · | · | |
| Earnings Yield | 2.5% | · | 1.5% | 30.8% | · | · | · | · | · | · | · |
재무제표 손익계산서, 대차대조표, 현금흐름 — 연간, 지난 5년
손익계산서
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | |
|---|---|---|---|---|
| 매출 | $249M | $204M | $172M | $154M |
| 영업이익률 % | 14.9% | 13.7% | — | — |
| 순이익 | — | $3M | $0 | $0 |
| 희석 EPS | $0.53 | $0.19 | — | — |
대차대조표
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | |
|---|---|---|---|---|
| 부채 / 자기자본 비율 | 0.0 | 0.1 | — | — |
| 유동비율 | 5.1 | 6.1 | — | — |
| 당좌 비율 | 3.7 | 5.1 | — | — |
현금 흐름
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | |
|---|---|---|---|---|
| 잉여현금흐름 | $53M | $37M | — | — |
나의 지표 나만의 관심 목록 — 전체 기본 재무제표에서 선택한 항목
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