TWFGTWFG +2.89%21 Interest Coverage is 168.00 as of Mar. 2026, which is 385% above its 10-year median of 34.61. GuruFocus rates TWFG with a GF Score™ of 21/100. Among 351 Insurance companies, TWFG ranks better than 81.2% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. TWFG's
Operating Income
for the
three
months ended in Mar. 2026 was $10.4 Mil. TWFG's Interest Expense for the
three
months ended in Mar. 2026 was $-0.1 Mil.
TWFG's interest coverage for the quarter that ended in Mar. 2026 was 168.00.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. TWFG Inc has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for TWFG's Interest Coverage or its related term are showing as below:
TWFG'
s Interest Coverage Range Over the Past 10 Years
Min: 8.64 Med: 34.61 Max: 113.62
Current: 113.62
TWFG's Interest Coverage is ranked better than 81.2% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs TWFG: 113.62
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
TWFG Interest Coverage Related Terms
TWFG Interest Coverage Historical Data
* Premium members only.
The historical data trend for TWFG's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
TWFG vs AIFU, SLQT, QDMI: Interest Coverage Comparison
For the Insurance Brokers subindustry, TWFG's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, TWFG's Interest Coverage distribution charts can be found below:
* The bar in red indicates where TWFG's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 168.00 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on TWFG and its competitors. This is 385% above median its historical median of 34.61. Over the past decade, TWFG's Interest Coverage has ranged from 8.64 to 113.62. According to the industry distribution chart, TWFG ranks #66 out of 351 companies in the Insurance industry, placing it in the top 18.8%.
Is TWFG's Interest Coverage too high?
TWFG's current Interest Coverage of 168.00 is 385% above median its 10-year median of 34.61. Over the past 10 years, this metric has ranged from a low of 8.64 to a high of 113.62. The Insurance industry median Interest Coverage is 16.23. TWFG's value of 168.00 is 935.1% above this industry median. Based on the distribution chart, TWFG ranks #66 out of 351 companies in the Insurance industry, which is in the top quartile — a strong position 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 Interest Coverage compare to AIFU and SLQT?
According to the Insurance industry distribution chart, TWFG ranks #66 out of 351 companies for Interest Coverage. This places TWFG in the top 19% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 16.23. TWFG's value of 168.00 is 935.1% above this benchmark. Historically, TWFG's own Interest Coverage has ranged from 8.64 to 113.62 over the past decade. While the company's 10-year median is 34.61 vs. the industry median of 16.23, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.23, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TWFG's current Interest Coverage of 168.00 is 935.1% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on TWFG and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TWFG's current Interest Coverage is 168.00, which is 385% above 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 Interest Coverage of 168.00. The current Interest Coverage is 168.00, which is 385% above median its 10-year median of 34.61 and 935.1% above the Insurance industry median of 16.23. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For TWFG (TWFG), the current Interest Coverage is 168.00 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.
21GF Score
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