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TWFGTWFG +1.90%21 EV-to-EBIT is 9.11 as of Aug. 22, 2026, which is 34% below its 10-year median of 13.78. GuruFocus rates TWFG with a GF Score™ of 21/100. The stock has 3 warning signs investors should review. Among 345 Insurance companies, TWFG ranks worse than 52.46% on this metric.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, TWFG's Enterprise Value is $547.3 Mil.
TWFG's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 was $60.1 Mil. Therefore, TWFG's EV-to-EBIT for today is 9.11.
The historical rank and industry rank for TWFG's EV-to-EBIT or its related term are showing as below:
TWFG'
s EV-to-EBIT Range Over the Past 10 Years
Min: 7.53 Med: 13.78 Max: 59.73
Current: 9.11
During the past 4 years, the highest EV-to-EBIT of TWFG was 59.73. The lowest was 7.53. And the median was 13.78.
TWFG's EV-to-EBIT is ranked worse than 52.46% of 345
companies
in the Insurance industry
Industry Median: 8.4
vs TWFG: 9.11
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
TWFG's Enterprise Value for the quarter that ended in Jun. 2026 was $482.5 Mil.
TWFG's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $60.1 Mil.
* 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 EV-to-EBIT Related Terms
TWFG EV-to-EBIT Historical Data
* Premium members only.
The historical data trend for TWFG's EV-to-EBIT 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 EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry
For the Insurance industry and Financial Services sector, TWFG's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where TWFG's EV-to-EBIT falls into.
TWFG's current Enterprise Value is $547.3 Mil.
TWFG's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $60.1 Mil.
* 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 EV-to-EBIT of 9.11 as of Aug. 22, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on TWFG and its competitors. This is 34% below median its historical median of 13.78. Over the past decade, TWFG's EV-to-EBIT has ranged from 7.53 to 59.73. According to the industry distribution chart, TWFG ranks #181 out of 345 companies in the Insurance industry, placing it in the top 52.5%.
Is TWFG's EV-to-EBIT too high?
TWFG's current EV-to-EBIT of 9.11 is 34% below median its 10-year median of 13.78. Over the past 10 years, this metric has ranged from a low of 7.53 to a high of 59.73. The Insurance industry median EV-to-EBIT is 8.40. TWFG's value of 9.11 is 8.5% above this industry median. Based on the distribution chart, TWFG ranks #181 out of 345 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 EV-to-EBIT compare to AIFU and CRD.A?
According to the Insurance industry distribution chart, TWFG ranks #181 out of 345 companies for EV-to-EBIT. This places TWFG in the lower half of its industry. The industry median EV-to-EBIT is 8.40. TWFG's value of 9.11 is 8.5% above this benchmark. Historically, TWFG's own EV-to-EBIT has ranged from 7.53 to 59.73 over the past decade. While the company's 10-year median is 13.78 vs. the industry median of 8.40, TWFG has consistently been above 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 EV-to-EBIT for an Insurance company?
The median EV-to-EBIT among Insurance companies is 8.40, based on 345 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TWFG's current EV-to-EBIT of 9.11 is 8.5% above 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on TWFG and its competitors. For the Insurance industry, the median EV-to-EBIT is 8.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TWFG's current EV-to-EBIT is 9.11, which is 34% below median its own 10-year median of 13.78. 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 EV-to-EBIT of 9.11. The current EV-to-EBIT is 9.11, which is 34% below median its 10-year median of 13.78 and 8.5% above the Insurance industry median of 8.40. TWFG's overall GF Score™ is 21/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For TWFG (TWFG), the current EV-to-EBIT is 9.11 as of Aug. 22, 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.
21GF Score
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