TWFGTWFG +2.89%21 Days Payable is 36.08 as of Mar. 2026, which is 4% above its 10-year median of 34.61. GuruFocus rates TWFG with a GF Score™ of 21/100. Among 54 Insurance companies, TWFG ranks worse than 68.52% on this metric.
TWFG's average Accounts Payable for the
three
months ended in Mar. 2026 was $18.6 Mil. TWFG's Cost of Goods Sold for the
three
months ended in Mar. 2026 was $46.9 Mil.
Hence, TWFG's Days Payable for the
three
months ended in Mar. 2026 was 36.08.
The historical rank and industry rank for TWFG's Days Payable or its related term are showing as below:
TWFG'
s Days Payable Range Over the Past 10 Years
Min: 30.27 Med: 34.61 Max: 38.61
Current: 36.95
During the past 4 years, TWFG's highest Days Payable was 38.61. The lowest was 30.27. And the median was 34.61.
TWFG's Days Payable is ranked worse than 68.52% of 54
companies
in the Insurance industry
Industry Median: 61.205
vs TWFG: 36.95
TWFG's Days Payable
declined
from Mar. 2025 (38.81) to Mar. 2026 (36.08).
It may suggest that TWFGaccelerated paying its suppliers.
TWFG Days Payable Related Terms
TWFG Days Payable Historical Data
* Premium members only.
The historical data trend for TWFG's Days Payable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance Brokers subindustry, TWFG's Days Payable, along with its competitors' market caps and Days Payable data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
TWFG Days Payable vs Insurance Industry
For the Insurance industry and Financial Services sector, TWFG's Days Payable distribution charts can be found below:
* The bar in red indicates where TWFG's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
TWFG's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
TWFG (TWFG) has a Days Payable of 36.08 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on TWFG and its competitors. This is near median its historical median of 34.61. Over the past decade, TWFG's Days Payable has ranged from 30.27 to 38.61. According to the industry distribution chart, TWFG ranks #37 out of 54 companies in the Insurance industry, placing it in the top 68.5%.
Is TWFG's Days Payable too high?
TWFG's current Days Payable of 36.08 is near median its 10-year median of 34.61. Over the past 10 years, this metric has ranged from a low of 30.27 to a high of 38.61. The Insurance industry median Days Payable is 61.21. TWFG's value of 36.08 is 41.1% below this industry median. Based on the distribution chart, TWFG ranks #37 out of 54 companies in the Insurance industry, which is below the industry midpoint. Overall, TWFG has a GF Score™ of 21/100, reflecting its overall financial health beyond just this single metric.
How does TWFG's Days Payable compare to AIFU and SLQT?
According to the Insurance industry distribution chart, TWFG ranks #37 out of 54 companies for Days Payable. This places TWFG in the lower half of its industry. The industry median Days Payable is 61.21. TWFG's value of 36.08 is 41.1% below this benchmark. Historically, TWFG's own Days Payable has ranged from 30.27 to 38.61 over the past decade. While the company's 10-year median is 34.61 vs. the industry median of 61.21, TWFG has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for an Insurance company?
The median Days Payable among Insurance companies is 61.21, based on 54 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TWFG's current Days Payable of 36.08 is 41.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on TWFG and its competitors. For the Insurance industry, the median Days Payable is 61.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TWFG's current Days Payable is 36.08, which is near median its own 10-year median of 34.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TWFG stock overvalued right now?
TWFG (TWFG) has a current Days Payable of 36.08. The current Days Payable is 36.08, which is near median its 10-year median of 34.61 and 41.1% below the Insurance industry median of 61.21. TWFG's overall GF Score™ is 21/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For TWFG (TWFG), the current Days Payable is 36.08 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
TWFG Inc is an independent distribution platform for personal and commercial insurance in the United States. It offers all lines of insurance, multiple distribution contract options, M&A services, proprietary virtual assistants, proprietary technology, proprietary premium financing, unlimited continuing education, recognition programs, co-op funding, marketing support and overall lower costs to operate.
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