Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the interest coverage ratio high or low?
The interest coverage ratio of 83.18x is 29% above its 3-year average of 64.73x, near the low end of its 3-year range (2.23x–308.54x).
51.60% below its 12-month average of 171.86x.
Reported quarterly interest coverage; no daily interpolation. Q2 FY2026 (2026-06-30): 308.54x.
INTEREST COVERAGE RATIO
83.18x
INTEREST COVERAGE RATIO AVG TTM
171.86x
INTEREST COVERAGE RATIO AVG 3Y
64.76x
INTEREST COVERAGE RATIO AVG 5Y
N/A
INTEREST COVERAGE RATIO AVG 10Y
N/A
INTEREST COVERAGE RATIO AVG 15Y
N/A
INTEREST COVERAGE RATIO AVG 20Y
N/A
CURRENT VS TTM AVG
-51.60%
CURRENT VS 3Y AVG
+28.44%
CURRENT VS 5Y AVG
N/A
CURRENT VS 10Y AVG
N/A
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
2.70x
median of 42 covered companies
CURRENT VS SECTOR MEDIAN
+2980.74%
vs the sector median at left
TWFG, Inc. Common Stock
Market Cap
$325.84M
Interest Coverage Ratio
83.18x
TTM Avg
171.86x
3Y Avg
64.76x
5Y Avg
N/A
Market Cap
$324.51M
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$327.64M
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$325.07M
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$325.01M
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$325.24M
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$328.74M
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$323.84M
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | INTEREST COVERAGE RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| TWFG, Inc. Common Stock (TWFG) | $325.84M | 83.18x | 171.86x | 64.76x | N/A |
| John Marshall Bancorp, Inc. (JMSB)vs › | $324.51M | N/A | N/A | N/A | N/A |
| Pioneer Acquisition I Corp (PACH)vs › | $327.64M | N/A | N/A | N/A | N/A |
| B&R Technology Merger Corp. Class A (BRTM)vs › | $325.07M | N/A | N/A | N/A | N/A |
| Renatus Tactical Acquisition Corp I Class A Ordinary Shares (RTAC)vs › | $325.01M | N/A | N/A | N/A | N/A |
| New Providence Acquisition Corp. III (NPAC)vs › | $325.24M | N/A | N/A | N/A | N/A |
| Oxley Bridge Acquisition Limited (OBA)vs › | $328.74M | N/A | N/A | N/A | N/A |
| Evolution Global Acquisition Corp Class A Ordinary Shares (EVOX)vs › | $323.84M | N/A | N/A | N/A | N/A |
| FS Bancorp, Inc. (FSBW)vs › | $327.98M | N/A | N/A | N/A | N/A |
| NewtekOne, Inc. (NEWT)vs › | $323.74M | N/A | N/A | N/A | N/A |
Interest Coverage
83.2x
Debt/Equity
0.17
Current Ratio
2.56
Formula: Interest Coverage = EBIT / Interest Expense
Reference ranges:
Note: Interest coverage should be compared with historical interest expense, operating income, and industry capital structure.
Interest Coverage = EBIT / Interest Expense
The interest coverage ratio measures operating earnings relative to interest expense.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | INTEREST COVERAGE RATIO |
|---|---|
| 2026-06-30 | 308.54x |
| 2026-03-31 | 199.21x |
| 2025-12-31 | 114.21x |
| 2025-09-30 | 129.06x |
| 2025-06-30 | 108.28x |
| 2025-03-31 | 69.04x |
| 2024-12-31 | 50.32x |
| 2024-09-30 | 18.84x |
| 2024-06-30 | 8.63x |
| 2024-03-31 | 8.67x |
| 2023-12-31 | 2.23x |
| 2023-09-30 | 26.79x |
| 2023-06-30 | 41.85x |
| 2023-03-31 | 64.33x |
