TWFG, Inc. (TWFG) intrinsic value & 10-year financials
TWFG, Inc. (TWFG) has a Graham intrinsic value of $17.60 per share. At $25.37 on Oct 17, 2026, the stock trades 44% above that value. Over the last 5 fiscal years revenue grew 17.3% a year to $248.5M, with an average return on invested capital of -30.4%.
- Graham intrinsic value
- $17.60
- Share price (Oct 17, 2026)
- $25.37
- Price vs Graham value
- 44% above
- Market cap
- $383.1M
- Revenue (FY2025)
- $248.5M
- Revenue growth (5-yr CAGR)
- 17.3%
- ROIC (10-yr avg)
- -30.4%
- Free cash flow (FY2025)
- $53.1M
TWFG 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $248.5M | $41.2M | $0.53 | $53.1M | 14.9% | -38.4% |
| FY2024 | $203.8M | $2.7M | $0.19 | $37.3M | 13.7% | -52.7% |
| FY2023 | $172.0M | $0 | — | $29.9M | 14.8% | 0.0% |
| FY2022 | $153.9M | $0 | — | $25.6M | 15.4% | — |
| FY2021 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
TWFG, Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
TWFG, Inc. has historically struggled to out-earn its cost of capital, averaging just -30.4% ROIC.
TWFG, Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, TWFG, Inc. is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $17.60 per share.