TWFG, Inc. Class A Common Stock (TWFG) — Cash Flow-to-Debt Ratio
TWFG, Inc. Class A Common Stock (TWFG) has a Cash Flow-to-Debt Ratio of 0.28x as of September 2025, meaning its operating cash flow of $14.95 Million could theoretically repay 0% of its total liabilities ($53.43 Million) in one year. See TWFG, Inc. Class A Common Stock (TWFG) financial flexibility to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
TWFG, Inc. Class A Common Stock Cash Flow-to-Debt Ratio (2022–2024)
Historical debt coverage capacity for TWFG, Inc. Class A Common Stock across 3 annual periods. For the full cash flow conversion analysis, see cash efficiency ratio of TWFG, Inc. Class A Common Stock.
Annual Cash Flow-to-Debt Ratio for TWFG, Inc. Class A Common Stock (2022–2024)
Year-by-year debt coverage analysis for TWFG, Inc. Class A Common Stock. Check TWFG operating cash flow to net income to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2024 | 0.84x | $40.48 Million | $48.14 Million | ▲ +135.3% |
| 2023 | 0.36x | $30.15 Million | $84.39 Million | ▼ -21.8% |
| 2022 | 0.46x | $25.75 Million | $56.37 Million | — |