TWFG, Inc. Class A Common Stock (TWFG) - Net Assets
Based on the latest financial reports, TWFG, Inc. Class A Common Stock (TWFG) has net assets worth $295.75 Million USD as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($349.17 Million) and total liabilities ($53.43 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. See net asset quality index of TWFG, Inc. Class A Common Stock to measure how much of total assets are equity-financed.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $295.75 Million |
| % of Total Assets | 84.7% |
| Annual Growth Rate | 118.15% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 416.41 |
TWFG, Inc. Class A Common Stock - Net Assets Trend (2022–2024)
This chart illustrates how TWFG, Inc. Class A Common Stock's net assets have evolved over time, based on quarterly financial data. For live market cap and overall valuation, see TWFG, Inc. Class A Common Stock (TWFG) total market value.
Annual Net Assets for TWFG, Inc. Class A Common Stock (2022–2024)
The table below shows the annual net assets of TWFG, Inc. Class A Common Stock from 2022 to 2024. Also explore TWFG year-over-year net asset growth to track the company's year-over-year net asset growth rate.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $275.29 Million | +786.56% |
| 2023-12-31 | $31.05 Million | -46.27% |
| 2022-12-31 | $57.79 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to TWFG, Inc. Class A Common Stock's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 52.5% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $15.29 Million | 20.69% |
| Common Stock | $148.00K | 0.20% |
| Other Comprehensive Income | $83.00K | 0.11% |
| Other Components | $58.37 Million | 79.00% |
| Total Equity | $73.88 Million | 100.00% |
TWFG, Inc. Class A Common Stock Competitors by Market Cap
The table below lists competitors of TWFG, Inc. Class A Common Stock ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Hudaco
JSE:HDC
|
$275.94 Million |
|
K&F Growth Acquisition Corp. II Unit
NASDAQ:KFIIU
|
$276.11 Million |
|
Kingsway Financial Services Inc
NYSE:KFS
|
$276.11 Million |
|
Gigasolar Materials
TWO:3691
|
$276.17 Million |
|
Bangkok Land Public Company Limited
BK:BLAND-R
|
$275.84 Million |
|
Nuveen Core Plus Impact Fund
NYSE:NPCT
|
$275.76 Million |
|
Seah Steel Corp
KO:306200
|
$275.72 Million |
|
Chicago Atlantic Real Estate Finance Inc
NASDAQ:REFI
|
$275.68 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in TWFG, Inc. Class A Common Stock's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 31,051,000 to 73,884,000, a change of 42,833,000 (137.9%).
- Net income of 2,745,000 contributed positively to equity growth.
- Dividend payments of 9,307,000 reduced retained earnings.
- New share issuances of 193,552,000 increased equity.
- Other comprehensive income decreased equity by 417,000.
- Other factors decreased equity by 143,740,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $2.75 Million | +3.72% |
| Dividends Paid | $9.31 Million | -12.6% |
| Share Issuances | $193.55 Million | +261.97% |
| Other Comprehensive Income | $-417.00K | -0.56% |
| Other Changes | $-143.74 Million | -194.55% |
| Total Change | $- | 137.94% |
Book Value vs Market Value Analysis
This analysis compares TWFG, Inc. Class A Common Stock's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 5.49x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 295.73x to 5.49x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2022-12-31 | $0.09 | $27.05 | x |
| 2023-12-31 | $2.36 | $27.05 | x |
| 2024-12-31 | $4.93 | $27.05 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently TWFG, Inc. Class A Common Stock utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 3.72%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 1.42%
- • Asset Turnover: 0.60x
- • Equity Multiplier: 4.38x
- Recent ROE (3.72%) is below the historical average (17.57%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2022 | 35.67% | 13.95% | 1.29x | 1.98x | $14.84 Million |
| 2023 | 13.31% | 2.47% | 1.45x | 3.72x | $1.03 Million |
| 2024 | 3.72% | 1.42% | 0.60x | 4.38x | $-4.64 Million |
Industry Comparison
This section compares TWFG, Inc. Class A Common Stock's net assets metrics with peer companies in the Insurance Brokers industry.
Industry Context
- Industry: Insurance Brokers
- Average net assets among peers: $1,952,507,800
- Average return on equity (ROE) among peers: 13.20%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| TWFG, Inc. Class A Common Stock (TWFG) | $295.75 Million | 35.67% | 0.18x | $275.93 Million |
| Fanhua Inc. (AIFU) | $2.63 Billion | 17.30% | 0.58x | $63.70 Million |
| Arthur J Gallagher & Co (AJG) | $8.56 Billion | 10.59% | 2.90x | $62.49 Billion |
| Aon PLC (AON) | $6.16 Billion | 22.47% | 3.41x | $63.76 Billion |
| Accelerant Holdings (ARX) | $286.70 Million | -17.02% | 12.04x | $2.32 Billion |
| Brown & Brown Inc (BRO) | $93.75 Million | 28.58% | 1.51x | $22.04 Billion |
| The Baldwin Insurance Group, Inc. (BWIN) | $769.97 Million | -2.04% | 0.99x | $2.73 Billion |
| Crawford & Company (CRD-A) | $250.30 Million | 15.70% | 0.89x | $370.94 Million |
| Crawford & Company (CRD-B) | $221.60 Million | 19.31% | 0.71x | $213.90 Million |
| CorVel Corp (CRVL) | $394.23 Million | 27.99% | 0.63x | $3.17 Billion |
| eHealth Inc (EHTH) | $154.98 Million | 9.14% | 0.09x | $27.21 Million |
About TWFG, Inc. Class A Common Stock
TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. It offers auto, home, renters, life, health, motorcycle, umbrella, boat, recreational vehicle, flood, wind, event, luxury item, general liability, property, business auto, workers' compensation, business owner policy, and professional liability insurance products, as well … Read more