Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| Revenue | $154M | $172M | $204M | $249M |
| Revenue growth | — | 11.8% | 18.4% | 22.0% |
| Operating income | $23.7M | $25.4M | $27.9M | $37.0M |
| Operating margin | 15.4% | 14.8% | 13.7% | 14.9% |
| Net income | $20.6M | $26.1M | $28.6M | $41.2M |
| Net margin | 13.4% | 15.2% | 14.0% | 16.6% |
| EPS (diluted) | — | — | $0.19 | $0.53 |
| Fiscal year | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| Operating cash flow | $25.8M | $30.2M | $40.5M | $53.5M |
| Capital expenditures | $115K | $260K | $3.20M | $356K |
| Free cash flow | $25.6M | $29.9M | $37.3M | $53.1M |
| Fiscal year | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| Cash & equivalents | $22.3M | $39.3M | $196M | $156M |
| Total assets | — | $115M | $323M | $372M |
| Total liabilities | — | $84.4M | $48.1M | $55.7M |
| Long-term debt | — | $48.0M | $4.01M | $2.04M |
| Shareholders' equity | — | $31.1M | $73.9M | $83.4M |
| Retained earnings | — | $4.80M | $15.3M | $23.3M |
| Shares (wtd avg diluted) | — | — | 15.0M | 15.1M |
Every figure is extracted from TWFG, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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