COMP <GO>
STC vs TWFG // EV/EBITDA & P/E VALUATION
Stewart Information Services Corporation (NYSE) VS. TWFG Inc. (Class A) (NASDAQ) • 15-METRIC TALLY: STC 4
— TWFG 5
▲ EV/EBITDA & P/E VALUATION LEADER: STC
LAST: $45.48 (+2.66%) • MKT CAP: $1.39B
valuation
6.9x
LAST: $27.15 (-0.48%) • MKT CAP: $1.47B
valuation
35.2x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (STC VS. TWFG)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | STC | TWFG | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 5.60% | 39.80% | -34.20 | TWFG | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 6.9x | 35.2x | -28.30 | STC | /valuation <GO> |
| Free Cash Flow Yield | 5.35% | 3.62% | +1.73 | STC | /fcf-yield <GO> |
| Operating Margin | 4.80% | 14.90% | -10.10 | TWFG | /operating-margins <GO> |
| Net Profit Margin | 4.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 17.30% | 22.00% | -4.70 | TWFG | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 4.21% | 0.00% | +4.21 | STC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 4/9 | +5.00 | STC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 33.4 | 54.0 | -20.59 | 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 | $1.39B | $1.47B | -$79.4M | TWFG | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | STC REV | TWFG REV | STC GROSS % | TWFG GROSS % | STC FCF | TWFG FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.92B | $248.5M | — | — | $74.2M | $53.1M |
| FY 2024 | $2.49B | $203.8M | — | — | $23.5M | $37.3M |
| FY 2023 | $2.21B | $172.0M | — | — | -$16.5M | $30.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
STC // BETA 1.02
TWFG // BETA —