COMP <GO>
TWFG vs STC // GROSS PROFIT MARGIN
TWFG Inc. (Class A) (NASDAQ) VS. Stewart Information Services Corporation (NYSE) • 15-METRIC TALLY: TWFG 5
— STC 4
■ METRIC PARITY
LAST: $28.60 (+6.08%) • MKT CAP: $1.46B
gross-margins
—
LAST: $45.73 (+2.76%) • MKT CAP: $1.36B
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TWFG VS. STC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | TWFG | STC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 39.80% | 5.60% | +34.20 | TWFG | /roic <GO> |
| EV/EBITDA & P/E Valuation | 35.2x | 6.9x | +28.30 | STC | /valuation <GO> |
| Free Cash Flow Yield | 3.62% | 5.35% | -1.73 | STC | /fcf-yield <GO> |
| Operating Margin | 14.90% | 4.80% | +10.10 | TWFG | /operating-margins <GO> |
| Net Profit Margin | — | 4.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 22.00% | 17.30% | +4.70 | TWFG | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 4.21% | -4.21 | STC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 9/9 | -5.00 | STC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 53.7 | 31.3 | +22.40 | TWFG | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.02 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 10.1x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.46B | $1.36B | $99.0M | TWFG | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | TWFG REV | STC REV | TWFG GROSS % | STC GROSS % | TWFG FCF | STC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $248.5M | $2.92B | — | — | $53.1M | $74.2M |
| FY 2024 | $203.8M | $2.49B | — | — | $37.3M | $23.5M |
| FY 2023 | $172.0M | $2.21B | — | — | $30.2M | -$16.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
TWFG // BETA —
STC // BETA 1.02