TWFG (TWFG) FCF Margin %: -8.98% (As of Mar. 2026)


TWFG TWFG Inc TWFG
21 GF Score
Price $25.85
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What is TWFG FCF Margin %?

TWFG TWFG +2.89% 21 FCF Margin % is -8.98% as of Mar. 2026. GuruFocus rates TWFG with a GF Score™ of 21/100. Among 506 Insurance companies, TWFG ranks worse than 87.15% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. TWFG's Free Cash Flow for the three months ended in Mar. 2026 was $-6.3 Mil. TWFG's Revenue for the three months ended in Mar. 2026 was $70.4 Mil. Therefore, TWFG's FCF Margin % for the quarter that ended in Mar. 2026 was -8.98%.

As of today, TWFG's current FCF Yield % is -5.82%.

The historical rank and industry rank for TWFG's FCF Margin % or its related term are showing as below:

TWFG' s FCF Margin % Range Over the Past 10 Years
Min: -7.75   Med: 8.33   Max: 9.12
Current: -7.75

During the past 4 years, the highest FCF Margin % of TWFG was 9.12%. The lowest was -7.75%. And the median was 8.33%.

TWFG's FCF Margin % is ranked worse than
87.15% of 506 companies
in the Insurance industry
Industry Median: 8.965 vs TWFG: -7.75

TWFG FCF Margin % Related Terms

TWFG FCF Margin % Historical Data

* Premium members only.

The historical data trend for TWFG's FCF Margin % 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.

TWFG FCF Margin % Chart

TWFG Annual Data
Trend Dec22 Dec23 Dec24 Dec25
FCF Margin %
9.12 8.69 7.96 -3.75

TWFG Quarterly Data
Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.65 -45.78 12.75 8.61 -8.98

TWFG vs AIFU, SLQT, QDMI: FCF Margin % Comparison

For the Insurance Brokers subindustry, TWFG's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry

For the Insurance industry and Financial Services sector, TWFG's FCF Margin % distribution charts can be found below:

* The bar in red indicates where TWFG's FCF Margin % falls into.


TWFG
21GF Score
TWFG Inc TWFG
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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TWFG FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

TWFG's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-8.767/233.96
=-3.75 %

TWFG's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-6.321/70.399
=-8.98 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of -8.98% mean?
TWFG (TWFG) has a FCF Margin % of -8.98% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on TWFG and its competitors. According to the industry distribution chart, TWFG ranks #441 out of 506 companies in the Insurance industry, placing it in the top 87.2%.
Is TWFG's FCF Margin % too high?
TWFG's current FCF Margin % is -8.98%. Based on the distribution chart, TWFG ranks #441 out of 506 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, TWFG has a GF Score™ of 21/100, reflecting its overall financial health beyond just this single metric.
How does TWFG's FCF Margin % compare to AIFU and SLQT?
According to the Insurance industry distribution chart, TWFG ranks #441 out of 506 companies for FCF Margin %. This places TWFG in the lower half of its industry. The industry median FCF Margin % is 8.97. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 8.97, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on TWFG and its competitors. For the Insurance industry, the median FCF Margin % is 8.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TWFG's current FCF Margin % is -8.98%. 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 FCF Margin % of -8.98%. The current FCF Margin % is -8.98%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For TWFG (TWFG), the current FCF Margin % is -8.98% 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 Business Description

Address 10055 Grogans Mill Road, Suite 500, The Woodlands, TX, USA, 77380
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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