COMP <GO>
TWFG vs V // DIVIDEND YIELD & FCF PAYOUT SAFETY
TWFG Inc. (Class A) (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: TWFG 3
— V 6
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: V
LAST: $28.60 (+6.08%) • MKT CAP: $1.55B
dividend-safety
0.00%
LAST: $425.51 (+2.88%) • MKT CAP: $760.28B
dividend-safety
0.63%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TWFG VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | TWFG | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 39.80% | 32.30% | +7.50 | TWFG | /roic <GO> |
| EV/EBITDA & P/E Valuation | 35.2x | 28.9x | +6.30 | V | /valuation <GO> |
| Free Cash Flow Yield | 3.62% | 2.90% | +0.72 | TWFG | /fcf-yield <GO> |
| Operating Margin | 14.90% | 60.00% | -45.10 | V | /operating-margins <GO> |
| Net Profit Margin | — | 50.10% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 22.00% | 11.30% | +10.70 | TWFG | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 0.00% | 0.63% | -0.63 | V | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 9/9 | -5.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 63.0 | 74.2 | -11.20 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 34.0x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.55B | $760.28B | -$758.74B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | TWFG REV | V REV | TWFG GROSS % | V GROSS % | TWFG FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $248.5M | $40.00B | — | — | $53.1M | $21.26B |
| FY 2024 | $203.8M | $35.93B | — | — | $37.3M | $18.33B |
| FY 2023 | $172.0M | $32.65B | — | — | $30.2M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
TWFG // BETA —
V // BETA 1.06