Is TWFG, Inc. (TWFG) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Insurance Brokers | ✗ NOT HALAL | |||
| DJIM | Excluded — Insurance Brokers | ✗ NOT HALAL | |||
| MSCI | Excluded — Insurance Brokers | ✗ NOT HALAL | |||
| S&P | Excluded — Insurance Brokers | ✗ NOT HALAL | |||
| FTSE | Excluded — Insurance Brokers | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 84.9% | |
| Operating Margin | 21.1% | |
| Net Margin | 3.2% | |
| Return on Equity (ROE) | 13.9% | |
| Return on Assets (ROA) | 6.6% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $54M |
| Free Cash Flow | -$9M |
| Total Debt | $8M |
| Debt-to-Equity | 4.9 |
| Current Ratio | 5.1 |
| Total Assets | $372M |
Price & Trading
| Last Close | $18.32 |
| 50-Day MA | $21.29 |
| 200-Day MA | $26.79 |
| Avg Volume | 195K |
|
52-Week Range
$16.56
| |
About TWFG, Inc. (TWFG)
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 as commercial bonds and group benefits. The company was founded in 2001 and is based in The Woodlands, Texas.
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Frequently Asked Questions
Is TWFG, Inc. (TWFG) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), TWFG, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is TWFG, Inc.'s debt ratio?
TWFG, Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are TWFG, Inc.'s key financial metrics?
TWFG, Inc. has a market capitalization of $263M, trailing P/E ratio of 33.1, and revenue of $234M. The company maintains a gross margin of 84.9% and a net margin of 3.2%. Return on equity stands at 13.9%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.