Profile
TWFG MRSH MMC AON AJG WTW
Company Name TWFG, Inc. Common Stock Marsh & McLennan Companies, Inc. Marsh & McLennan Companies, Inc. Aon plc Arthur J. Gallagher & Co. Willis Towers Watson Public Limited Company
Sector Financial Services Financial Services Financial Services Financial Services Financial Services Financial Services
Industry Insurance - Brokers Insurance - Brokers Insurance - Brokers Insurance - Brokers Insurance - Brokers Insurance - Brokers
Market Cap $385.79M $90.65B $89.82B $73.52B $62.04B $32.53B
Employees 0.29K 90.00K 90.00K 60.00K 53.71K 49.00K
CEO Richard Finley Bunch John Quinlan Doyle John Quinlan Doyle Gregory Clarence Case J. Patrick Gallagher Jr. Carl Aaron Hess
Ratings
TWFG MRSH MMC AON AJG WTW
Quant Rating Score 3 3 3 3 3 3
Quant Rating Neutral Neutral Neutral Neutral Neutral Neutral
Trading
TWFG MRSH MMC AON AJG WTW
Last Close $27.1 - $180.87 $350.02 $259.31 $318.6
High 52 $36.11 - $244.33 $409.27 $348.77 $349.93
Low 52 $23.79 - $176.58 $326.07 $242.98 $295.96
Price vs. 52 Week High -24.95 % - -25.97 % -14.48 % -25.65 % -8.95 %
Price vs. 52 Week Low 13.91 % - 2.43 % 7.35 % 6.72 % 7.65 %
Total Return
TWFG MRSH MMC AON AJG WTW
1 Month Return 5.2 % - -4.6 % 0.99 % -7.54 % -3.5 %
3 Month Return -2.76 % - -12.89 % -4.2 % -11.95 % -3.33 %
6 Month Return -19.82 % - -21.83 % -3.29 % -24.23 % 2.14 %
9 Month Return -11.73 % - -21.41 % -10.5 % -20.53 % -1.14 %
YTD Return -12.01 % - -14.85 % -2.54 % -8.65 % 1.71 %
1 Year Return -16 % - -18.06 % -7.68 % -11.34 % 3.58 %
3 Year Return 0 % - 0 % 0 % 0 % 0 %
5 Year Return 0 % - 0 % 0 % 0 % 0 %
Dividends
TWFG MRSH MMC AON AJG WTW
Dividend Yield Percentage (TTM) - 1.9 % 1.9 % 0.87 % 1.08 % 1.08 %
Dividend Paid and Capex Coverage Ration (TTM) 1.81 % 2.65 % 2.65 % 3.9 % 1.95 % 3.06 %
Dividend Per Share (TTM) - 3.52 % 3.52 % 2.98 % 2.6 % 3.68 %
Payout Ratio (TTM) 273.27 % 39.88 % 39.88 % 17.02 % 33.44 % 22.31 %
Growth
TWFG MRSH MMC AON AJG WTW
Asset Growth 180.18 % - - 3.71 % -4.84 %
Gross Profit Growth 28.74 % -100 % -100 % 10.53 % 6.98 %
Revenue Growth 16.01 % 10.32 % 10.32 % 9.45 % 4.71 %
Revenue 3 Year 5505.96 % 32.34 % 32.34 % 35 % 38.49 %
Revenue 5 Year 5505.96 % 61.43 % 61.43 % 66.77 % 51.21 %
Revenue 10 Year 5505.96 % 126.32 % 126.32 % 135.83 % 72.06 %
EBIT Growth 23.02 % -100 % -100 % 10.8 % -75.76 %
Net Income Growth - 2.46 % 2.46 % 39.22 % -109.29 %
Net Income 3 Yeari Growth Per Share - 38.62 % 38.62 % 39.94 % -102.91 %
Net Income 5 Yeari Growth Per Share - 112.65 % 112.65 % 101.57 % -111.96 %
Net Income 10 Yeari Growth Per Share - 181.36 % 181.36 % 247.15 % -117.83 %
Operating Income Growth 9.98 % 6.98 % 6.98 % 22.79 % -54.07 %
Operating Cash Flow Growth (CFG) 34.24 % 23.01 % 23.01 % 14.7 % 12.42 %
Operating 3 Year CFG 6621.57 % 55.22 % 55.22 % 6.04 % -7.94 %
Operating 5 Year CFG 6621.57 % 61.26 % 61.26 % 34.35 % 78.27 %
Operating 10 Year CFG 6621.57 % 203.13 % 203.13 % 125.46 % 108.82 %
EPS Growth -38.71 % 2.79 % 2.79 % 36.33 % -109.55 %
EPS Diluted Growth -41.94 % 3.06 % 3.06 % 36.27 % -109.65 %
Book Value Per Share 689.92 % -100 % -100 % 45.4 % -13.97 %
Share Holder 3 Year Equity Growth Per Share 5368.02 % -100 % -100 % 1833.47 % -24.86 %
Share Holder 5 Year Equity Growth Per Share 5368.02 % -100 % -100 % 187.41 % -1.26 %
Share Holder 10 Year Equity Growth Per Share 5368.02 % -100 % -100 % 99.3 % 163.51 %
Dividend Per Share Growth -75.18 % 12.52 % 12.52 % 9.59 % 3.53 %
Dividend 3 Year Growth Per Share 1836.12 % 51.73 % 51.73 % 33.21 % 18.78 %
Dividend 5 Year Growth Per Share 1836.12 % 85.67 % 85.67 % 63.98 % 37.14 %
Dividend 10 Year Growth Per Share 1836.12 % 190.73 % 190.73 % 153.4 % 11.05 %
Debt Growth -80.09 % - - -7.61 % -0.17 %
Free Cash Flow Growth 156.97 % 25.46 % 25.46 % 14.24 % 14.87 %
Updated On 31 Dec 2024 31 Dec 2025 31 Dec 2025 31 Dec 2025 31 Dec 2024
Profitability
TWFG MRSH MMC AON AJG WTW
Gross Profit Margin TTM 24.36 % 42.27 % 42.27 % 47.7 % 54.75 % 42.06 %
Return on Assets TTM 1.89 % 7.09 % 7.09 % 7.28 % 2.11 % 5.44 %
Return on Equity TTM 8.61 % 27.6 % 27.6 % 45.99 % 6.5 % 20.1 %
Return on Capital Employed TTM 8.9 % 16.53 % 16.53 % 15.76 % 6.68 % 14.54 %
Net Income Per EBT TTM 17.89 % 75.1 % 75.1 % 77.64 % 79.85 % 83.12 %
EBT Per Ebit TTM 136.51 % 89.01 % 89.01 % 109.55 % 73.4 % 85.56 %
EBIT Per Revenue TTM 12.42 % 23.06 % 23.06 % 25.28 % 18.28 % 23.25 %
Cash Flow To Debt Ratio TTM 574.55 % 23.72 % 23.72 % 21.06 % 101.9 % 28.5 %
Receivables Turnover TTM 6.1 3.52 3.52 4.08 2.69 3.59
Payables Turnover TTM 9.38 - - - - -
Inventory Turnover TTM - - - - - -
Fixed Asset Turnover TTM 2820.88 % 1178.72 % 1178.72 % 1245.9 % 1005.18 % 821.32 %
Asset Turnover TTM 62.4 % 45.96 % 45.96 % 33.83 % 19.73 % 32.88 %
Operating Cash Flow Per Share TTM 3.45 10.45 10.45 16.18 4.52 18.49
Free Cash Flow Per Share TTM 2.75 9.91 9.91 14.96 4.12 16.17
Cash Per Share TTM 1006.2 % 551.75 % 551.75 % 1300.79 % 536.21 % 3262.5 %
Operating Cash Flow Sales Ratio TTM 23.78 % 18.85 % 18.85 % 20.26 % 8.44 % 18.28 %
Free Cash Flow Operating Cash Flow Ratio TTM 79.69 % 94.85 % 94.85 % 92.44 % 91.05 % 87.44 %
Cash Flow Coverage Ratios TTM 574.55 % 23.72 % 23.72 % 21.06 % 101.9 % 28.5 %
Price To Free Cash Flows Ratio TTM 9.34 18.79 18.79 22.85 57.89 20.96
Price To Operating Cash Flows Ratio TTM 7.43 17.71 17.71 21.14 53.44 18.37
Price Cash Flow Ratio TTM 7.43 17.71 17.71 21.14 53.44 18.37
Income Statement (TTM)
TWFG MRSH MMC AON AJG WTW
Revenue $0.19B $26.98B $26.98B $17.18B $13.94B $9.71B
Gross Profit $0.05B $11.4B $0B $8.2B $7.63B $4.08B
Gross Profit Ratio 24.04% 42.27% 0% 47.7% 54.75% 42.06%
EBITDA $0.04B $7.4B $0.91B $5.35B $3.66B $2.68B
Net Income $0B $4.16B $4.16B $3.7B $1.49B $1.61B
EPS Diluted 0.18 8.43 8.43 17.02 5.75 16.26
Balance Sheet (MRQ)
TWFG MRSH MMC AON AJG WTW
Long Term Debt $0.01B $19.85B $19.85B $15.94B $13.13B $6.7B
Total Liabilities $0.05B $43.4B $43.4B $41.24B $47.32B $21.48B
Total Equity $0.28B $15.32B $15.32B $9.55B $23.35B $8.05B
Total Investments $0B $0B $0B $1.6B $0B $0B
Total Debt $0.01B $21.45B $21.45B $16.53B $14B $7.38B
Total Assets $0.32B $58.71B $58.71B $50.78B $70.67B $29.53B
Cash Flow Statement (TTM)
TWFG MRSH MMC AON AJG WTW
Net Income $0.03B $4.23B $4.23B $3.75B $1.49B $1.61B
Inventory $0B $0B $0B $0B $0B $0B
Dividends Paid $-0.01B $-1.7B $-1.7B $-0.63B $0B $-0.36B
Operating Cash Flow $0.04B $5.29B $5.29B $3.48B $0B $1.78B
Capital Expenditure $-0B $-0.29B $-0.29B $-0.26B $0B $-0.23B
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ETFs With Exposure to TWFG
Ticker ETF Name Weight Percentage Price
VTI Vanguard Total Stock Market Index Fund 0.00055 342.88
VXF Vanguard Extended Market Index Fund 0.00546 219.57
EES WisdomTree U.S. SmallCap Earnings Fund 0.00919 61.14
JSMD Janus Henderson Small/Mid Cap Growth Alpha ETF 0.02 86.96
JSML Janus Henderson Small Cap Growth Alpha ETF 0.05 77.07
VTWG Vanguard Russell 2000 Growth Index Fund 0 250.595
VTWO Vanguard Russell 2000 Index Fund 0 107.9
VUN.TO Vanguard U.S. Total Market Index ETF 0.00055 126.28
VUS.TO Vanguard U.S. Total Market Index ETF (CAD-hedged) 0.00054 119.02
VITNX Vanguard Institutional Total Stock Market Index Fund Institutional Shares 0.00064 114.86
VITPX Vanguard Institutional Total Stock Market Index Fund Institutional Plus Shares 0.00064 114.84
VBAIX Vanguard Balanced Index Fund Institutional Shares 0.00033 52.46
VBIAX Vanguard Balanced Index Fund Admiral Shares 0.00033 52.45
VBINX Vanguard Balanced Index Fund Investor Shares 0.00033 52.45
BOUT Innovator IBD Breakout Opportunities ETF 4.35 40.615
FSMD Fidelity Small-Mid Factor ETF 0.09 47.26
VGRO.TO Vanguard Growth ETF Portfolio 0.0002 44.21
VEQT.TO Vanguard All-Equity ETF Portfolio 0.00024 55.64
VBAL.TO Vanguard Balanced ETF Portfolio 0.00015 37.74
VCNS.TO Vanguard Conservative ETF Portfolio 0.0001 32.02
VCIP.TO Vanguard Conservative Income ETF Portfolio 0.00005 27.26
VRIF.TO Vanguard Retirement Income ETF Portfolio 0.00005 26.89
DFAS Dimensional U.S. Small Cap ETF 0.00046934 76.36
VTSAX Vanguard Total Stock Market Index Fund 0.00055 166.03
VIEIX Vanguard Extended Market Index Fund Institutional Shares 0.00546 165.43
VITSX Vanguard Total Stock Market Index Fund 0.00055 166.06
DFSU Dimensional US Sustainability Core 1 ETF 0.001506 44.425
VEXAX Vanguard Extended Market Index Fd Admiral Shs 0.00546 165.44
AVSC Avantis U.S. Small Cap Equity ETF 0.01 65.3
TMSL T. Rowe Price Exchange-Traded Funds, Inc. - T. Rowe Price Small-Mid Cap ETF 0.0624725 39.36
VTS.AX Vanguard US Total Market Shares Index ETF 0.00055 486.22
VEMPX Vanguard Extended Market Index InstlPlus 0.00546 408.25
VSMPX Vanguard Total Stock Mkt Idx Instl Pls 0.00055 311.51
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