COMP <GO>
TWFG vs MS // 10Y YIELD & FRED MACRO BETA
TWFG Inc. (Class A) (NASDAQ) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: TWFG 4
— MS 5
■ METRIC PARITY
LAST: $27.15 (-0.48%) • MKT CAP: $1.47B
macro-sensitivity
—
LAST: $190.00 (-0.07%) • MKT CAP: $298.41B
macro-sensitivity
1.04
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TWFG VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | TWFG | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 39.80% | 3.00% | +36.80 | TWFG | /roic <GO> |
| EV/EBITDA & P/E Valuation | 35.2x | 31.0x | +4.20 | MS | /valuation <GO> |
| Free Cash Flow Yield | 3.62% | -7.25% | +10.87 | TWFG | /fcf-yield <GO> |
| Operating Margin | 14.90% | 24.60% | -9.70 | MS | /operating-margins <GO> |
| Net Profit Margin | — | 20.20% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 22.00% | 5.50% | +16.50 | TWFG | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.21% | -2.21 | MS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | MS | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.0 | 51.0 | +2.99 | TWFG | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | 1.04 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 16.5x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.47B | $298.41B | -$296.94B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | TWFG REV | MS REV | TWFG GROSS % | MS GROSS % | TWFG FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $248.5M | $0 | — | — | $53.1M | -$17.89B |
| FY 2024 | $203.8M | $0 | — | — | $37.3M | $1.36B |
| FY 2023 | $172.0M | $0 | — | — | $30.2M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
TWFG // BETA —
MS // BETA 1.04