` Comparison: TWFG, AJG - Alpha Spread

TWFG
vs
AJG

Over the past 12 months, TWFG has outperformed AJG, delivering a return of -5% compared to the AJG's 11% drop.

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TWFG
AJG
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Stocks Compared:
TWFG AJG
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Valuation Comparison

TWFG Intrinsic Value
16.02 USD
Overvaluation 45%
Intrinsic Value
Price
AJG Intrinsic Value
185.04 USD
Overvaluation 28%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
TWFG Inc
NASDAQ:TWFG
28.99 USD
Arthur J Gallagher & Co
NYSE:AJG
255.38 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
TWFG, AJG

TWFG
AJG
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
TWFG Inc
Revenue
Arthur J Gallagher & Co
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
TWFG, AJG

TWFG
AJG
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
TWFG Inc
NASDAQ:TWFG
Arthur J Gallagher & Co
NYSE:AJG
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What is Free Cash Flow?

Gross Margin

TWFG
43.1%
AJG
46.4%
LTM 3Y Avg 5Y Avg 10Y Avg
TWFG Inc
Arthur J Gallagher & Co

Operating Margin

TWFG
11.9%
AJG
24.8%
LTM 3Y Avg 5Y Avg 10Y Avg
TWFG Inc
Arthur J Gallagher & Co

Net Margin

TWFG
2.9%
AJG
12.3%
LTM 3Y Avg 5Y Avg 10Y Avg
TWFG Inc
Arthur J Gallagher & Co

FCF Margin

TWFG
-2.6%
AJG
13.6%
LTM 3Y Avg 5Y Avg 10Y Avg
TWFG Inc
Arthur J Gallagher & Co

ROE

TWFG
8.8%
AJG
9.1%
LTM 3Y Avg 5Y Avg 10Y Avg
TWFG Inc
Arthur J Gallagher & Co

ROA

TWFG
2%
AJG
2.4%
LTM 3Y Avg 5Y Avg 10Y Avg
TWFG Inc
Arthur J Gallagher & Co

ROIC

TWFG
15.5%
AJG
3.9%
LTM 3Y Avg 5Y Avg 10Y Avg
TWFG Inc
Arthur J Gallagher & Co

ROCE

TWFG
9.4%
AJG
10.7%
LTM 3Y Avg 5Y Avg 10Y Avg
TWFG Inc
Arthur J Gallagher & Co

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
TWFG, AJG

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TWFG
AJG
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Performance Gap
TWFG, AJG

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TWFG
AJG
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
TWFG, AJG

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