` Comparison: TWFG, AON - Alpha Spread

TWFG
vs
AON

Over the past 12 months, TWFG has underperformed AON, delivering a return of -3% compared to the AON's 1% drop.

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TWFG
AON
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Valuation Comparison

TWFG Intrinsic Value
16.19 USD
Overvaluation 43%
Intrinsic Value
Price
AON Intrinsic Value
322.37 USD
Overvaluation 9%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
TWFG Inc
NASDAQ:TWFG
28.5 USD
Aon PLC
NYSE:AON
354.1 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
TWFG, AON

TWFG
AON
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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
Aon PLC
Revenue

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

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Profitability Comparison

Free Cash Flow
TWFG, AON

TWFG
AON
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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
Aon PLC
NYSE:AON
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What is Free Cash Flow?

Gross Margin

TWFG
43.1%
AON
47.2%
LTM 3Y Avg 5Y Avg 10Y Avg
TWFG Inc
Aon PLC

Operating Margin

TWFG
11.9%
AON
26.7%
LTM 3Y Avg 5Y Avg 10Y Avg
TWFG Inc
Aon PLC

Net Margin

TWFG
2.9%
AON
16%
LTM 3Y Avg 5Y Avg 10Y Avg
TWFG Inc
Aon PLC

FCF Margin

TWFG
-2.6%
AON
17.9%
LTM 3Y Avg 5Y Avg 10Y Avg
TWFG Inc
Aon PLC

ROE

TWFG
8.8%
AON
38.3%
LTM 3Y Avg 5Y Avg 10Y Avg
TWFG Inc
Aon PLC

ROA

TWFG
2%
AON
5.4%
LTM 3Y Avg 5Y Avg 10Y Avg
TWFG Inc
Aon PLC

ROIC

TWFG
15.5%
AON
9.5%
LTM 3Y Avg 5Y Avg 10Y Avg
TWFG Inc
Aon PLC

ROCE

TWFG
9.4%
AON
16.7%
LTM 3Y Avg 5Y Avg 10Y Avg
TWFG Inc
Aon PLC

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
TWFG, AON

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Performance Gap
TWFG, AON

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TWFG
AON
Difference
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Performance By Year
TWFG, AON

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TWFG
AON
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