Name: Net Profit Margin

Definition: Net profit margin shows how much profit remains after paying all costs — including operating expenses, interest, and taxes — for every dollar of sales. A higher margin means the business is efficient and keeps more of its sales as bottom-line profit. Falling margins may signal rising costs or pricing pressure.

Interpretation:
• In '2022', TWFG's net profit margin was 0.0%, measuring the overall profitability of the company. Industry average for Specialty Insurers in '2022' stood at -8.0%.
• In '2023', TWFG's net profit margin was 0.0%, measuring the overall profitability of the company. The figure remained stable compared to '2022'. Industry average for Specialty Insurers in '2023' stood at -11.9%. Industry average declined by 3.9% from previous year.
• In '2024', TWFG's net profit margin was 1.4%, measuring the overall profitability of the company. The increase since '2023' reflects strengthening financial performance. Industry average for Specialty Insurers in '2024' stood at -12.0%. Industry average declined by 0.1% from previous year.
Overall, TWFG's net profit margin has been volatile but generally stable over the past 3 years.

Formula: Net Profit Margin = Net Income / Revenue

Good Range: Ranges 5%-20% for many industries.