TWFG Past Earnings Performance
Past criteria checks 1/6
TWFG's earnings have been declining at an average annual rate of -74.3%, while the Insurance industry saw earnings growing at 12.6% annually. Revenues have been growing at an average rate of 15.5% per year. TWFG's return on equity is 9.6%, and it has net margins of 3.3%.
Key information
-74.3%
Earnings growth rate
-98.9%
EPS growth rate
| Insurance Industry Growth | 8.0% |
| Revenue growth rate | 15.5% |
| Return on equity | 9.6% |
| Net Margin | 3.3% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Revenue & Expenses Breakdown
How TWFG makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 194 | 6 | 130 | 0 |
| 30 Jun 24 | 187 | 13 | 129 | 0 |
| 31 Mar 24 | 179 | 27 | 127 | 0 |
| 31 Dec 23 | 173 | 25 | 128 | 0 |
| 31 Dec 22 | 154 | 23 | 115 | 0 |
Quality Earnings: TWFG has high quality earnings.
Growing Profit Margin: TWFG's current net profit margins (3.3%) are lower than last year (14.7%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: Unable to establish if TWFG's year-on-year earnings growth rate was positive over the past 5 years as it has been trading publicly for less than 3 years.
Accelerating Growth: Unable to compare TWFG's past year earnings growth to its 5-year average as it has been trading publicly for less than 3 years.
Earnings vs Industry: TWFG had negative earnings growth (-74.3%) over the past year, making it difficult to compare to the Insurance industry average (36.4%).
Return on Equity
High ROE: TWFG's Return on Equity (9.6%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/22 04:15 |
| End of Day Share Price | 2024/12/20 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 |