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TWFGTWFG -4.35%21 ROC (Joel Greenblatt) % is 176.52% as of Mar. 2026, which is 9% above its 10-year median of 161.70. GuruFocus rates TWFG with a GF Score™ of 21/100. The stock has 1 warning sign investors should review. Among 65 Insurance companies, TWFG ranks better than 66.15% on this metric.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. TWFG's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 176.52%.
The historical rank and industry rank for TWFG's ROC (Joel Greenblatt) % or its related term are showing as below:
TWFG'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 90.47 Med: 161.7 Max: 262.15
Current: 217.76
During the past 4 years, TWFG's highest ROC (Joel Greenblatt) % was 262.15%. The lowest was 90.47%. And the median was 161.70%.
TWFG's ROC (Joel Greenblatt) % is ranked better than 66.15% of 65
companies
in the Insurance industry
Industry Median: 74.51
vs TWFG: 217.76
TWFG's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 0.00% per year.
The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.
The historical data trend for TWFG's ROC (Joel Greenblatt) % 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 vs AIFU, SLQT, QDMI: ROC (Joel Greenblatt) % Comparison
For the Insurance Brokers subindustry, TWFG's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Insurance Industry
For the Insurance industry and Financial Services sector, TWFG's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where TWFG's ROC (Joel Greenblatt) % falls into.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:
EBIT stands for Earnings Before Interest and Taxes.
Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.
GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.
Note:
The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.
* 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.
What does a ROC (Joel Greenblatt) % of 176.52% mean?
TWFG (TWFG) has a ROC (Joel Greenblatt) % of 176.52% as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on TWFG and its competitors. This is near median its historical median of 161.70. Over the past decade, TWFG's ROC (Joel Greenblatt) % has ranged from 90.47 to 262.15. According to the industry distribution chart, TWFG ranks #22 out of 65 companies in the Insurance industry, placing it in the top 33.8%.
Is TWFG's ROC (Joel Greenblatt) % too high?
TWFG's current ROC (Joel Greenblatt) % of 176.52% is near median its 10-year median of 161.70. Over the past 10 years, this metric has ranged from a low of 90.47 to a high of 262.15. The Insurance industry median ROC (Joel Greenblatt) % is 74.51. TWFG's value of 176.52% is 136.9% above this industry median. Based on the distribution chart, TWFG ranks #22 out of 65 companies in the Insurance industry, which is above 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 ROC (Joel Greenblatt) % compare to AIFU and SLQT?
According to the Insurance industry distribution chart, TWFG ranks #22 out of 65 companies for ROC (Joel Greenblatt) %. This puts TWFG in the upper half of its industry. The industry median ROC (Joel Greenblatt) % is 74.51. TWFG's value of 176.52% is 136.9% above this benchmark. Historically, TWFG's own ROC (Joel Greenblatt) % has ranged from 90.47 to 262.15 over the past decade. While the company's 10-year median is 161.70 vs. the industry median of 74.51, 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 ROC (Joel Greenblatt) % for an Insurance company?
The median ROC (Joel Greenblatt) % among Insurance companies is 74.51, based on 65 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TWFG's current ROC (Joel Greenblatt) % of 176.52% is 136.9% 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on TWFG and its competitors. For the Insurance industry, the median ROC (Joel Greenblatt) % is 74.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TWFG's current ROC (Joel Greenblatt) % is 176.52%, which is near median its own 10-year median of 161.70. 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 ROC (Joel Greenblatt) % of 176.52%. The current ROC (Joel Greenblatt) % is 176.52%, which is near median its 10-year median of 161.70 and 136.9% above the Insurance industry median of 74.51. TWFG's overall GF Score™ is 21/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For TWFG (TWFG), the current ROC (Joel Greenblatt) % is 176.52% 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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