TWFG Balance Sheet Health
Financial Health criteria checks 5/6
TWFG has a total shareholder equity of $268.1M and total debt of $7.8M, which brings its debt-to-equity ratio to 2.9%. Its total assets and total liabilities are $313.1M and $45.0M respectively. TWFG's EBIT is $28.7M making its interest coverage ratio 11.1. It has cash and short-term investments of $191.2M.
Key information
2.9%
Debt to equity ratio
US$7.82m
Debt
| Interest coverage ratio | 11.1x |
| Cash | US$191.20m |
| Equity | US$268.13m |
| Total liabilities | US$44.96m |
| Total assets | US$313.09m |
Recent financial health updates
No updates
Financial Position Analysis
Short Term Liabilities: TWFG's short term assets ($234.1M) exceed its short term liabilities ($38.1M).
Long Term Liabilities: TWFG's short term assets ($234.1M) exceed its long term liabilities ($6.9M).
Debt to Equity History and Analysis
Debt Level: TWFG has more cash than its total debt.
Reducing Debt: Insufficient data to determine if TWFG's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: TWFG's debt is well covered by operating cash flow (446.8%).
Interest Coverage: TWFG's interest payments on its debt are well covered by EBIT (11.1x coverage).
Balance Sheet
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/30 06:46 |
| End of Day Share Price | 2024/12/30 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
TWFG, Inc. is covered by 9 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Michael Zaremski | BMO Capital Markets Equity Research |
| null null | BMO Capital Markets Equity Research |
| Jamminder Bhullar | J.P. Morgan |