Stock Analysis
Twilio Inc.TWLO
P/E 32.67×· 5Y range 24.52–1,053.59×· bottom 16% of history
Sector: Technology · Industry: Services-Prepackaged Software
AnalystsStrong Buy38 analystsP/E 32.7× sits at the 16th percentile of its 5.062286105407256-year history.
Cash covers 249% of debt · FY 2025.
PMP Verdict
Mixed fundamentals, cheap valuation
Strengths
- Financial Health78
Risks
- Growth20
- Profitability47
Mixed business trading cheap — priced for skepticism.
Market context
-10.6% today· Z 3.1σ· Twilio shares dropped 10.34% despite positive analyst upgrades and a raised price target to $315 by BTIG.
Bull Case
- ✓Altman Z 13.1 — safe-zone balance sheet
- ✓Revenue CAGR 15.6% — durable top-line growth
- ✓P/E 32.7× at bottom 16% of 5-year history
Why is TWLO moving?
TechnicalTwilio shares dropped 10.34% despite positive analyst upgrades and a raised price target to $315 by BTIG.
Profile
Strong financial health; growth, moat, valuation and profitability lag behind.
How is each axis scored?
- Valuation42/100 · Weak
- P/E vs own history (16th pct)25/25
- FCF yield (2.8%)5/25
- P/S (6.7x)12/25
- EV/EBIT (123.1x)0/25
- Growth20/100 · Weak
- Revenue CAGR (15.6%)20/25
- Net income CAGR (n/a)0/25
- EPS CAGR 5Y (n/a)0/25
- Fwd implied growth (-29.8%)0/25
- Profitability47/100 · Weak
- ROIC (3.6%)5/25
- ROE (14.7%)12/25
- Net margin (20.6%)25/25
- Operating margin (5.2%)5/25
- Financial Health78/100 · Strong
- Altman Z (13.15)25/25
- Current ratio (4.03)25/25
- Interest coverage (1.5x)3/25
- Net cash / debt (Net cash)25/25
- Quality52/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.87)25/25
- FCF conversion (n/a)0/25
- Margin stability (σ 13.3%)12/25
- Moat20/100 · Weak
- ROIC >12% years (0/9 yrs)0/25
- Median gross margin (51.5%)20/25
- FCF-positive years (2/6 yrs)0/25
- Worst-year net margin (worst -33.4%)0/25
Risk Flags
- ⚠SBC 10.6% of revenue — real dilution cost
- ⚠9 loss-making years in recent history
- ⚠Interest coverage 1.5× — thin debt cushion
About Twilio Inc.
Twilio is a cloud-based communications platform-as-a-service company offering communication building blocks that allow for a fully customized customer engagement experience spanning voice, video, chat, and SMS messaging. Show more
It does this through various application programming interfaces and prebuilt solution applications aimed at improving customer engagement. The company leverages its Super Network, a global network of carrier relationships, to facilitate high-speed, cost-effective communication.
Headquarters: San Francisco, CA · Employees: 5,587 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
42D+P/E (TTM)32.4xC
Grade C: ExpensivePrice / TTM EPS (own statements) — vs own 5Y history: 24.5x–1053.6x · 16th pct
P/FCF42.2xC
Grade C: ExpensivePrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield2.8%C
Grade C: LowLatest stored TTM FCF / Market Cap — vs own 5Y history: -3.5%–3.7% · 85th pct
P/S (TTM)6.67xC
Grade C: ExpensivePrice / TTM Revenue (own statements) — vs own 5Y history: 2.1x–33.7x · 86th pct
EV/EBIT123.1xD
Grade D: ExpensiveEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 71.0x–1428.9x · 28th pct
EV/Sales7.5xC
Grade C: ExpensiveEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E46.1xD
Grade D: ExpensivePrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio4.75xC
Grade C: ExpensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.01A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield—
TTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio—
Dividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
47D+ROIC3.6%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE14.7%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA11.5%A
Grade A: StrongReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin20.6%A
Grade A: HighNet Income / Revenue
Operating Margin5.2%D
Grade D: LowTTM EBIT / TTM Revenue
Gross Margin48.5%C
Grade C: AverageGross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
20ERevenue CAGR15.6%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR—
Compound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)—
Compound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth-29.8%D
Grade D: Decl.Analyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-9.8%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income51.4%D
Grade D: HighStock-based comp/Net income. >30% = dilution risk
SBC / Revenue10.6%D
Grade D: HighTTM stock-based comp / TTM Revenue
Financial Health
78B+Altman Z-Score13.15A
Grade A: SafeBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio4.03xA
Grade A: HighCurrent Assets/Liabilities
Quick Ratio4.35xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage1.5xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBITNet CashA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.13xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt2.49xA
Grade A: CoveredCash covers how much of total debt. >1 = could repay all debt from cash
Quality
52CPiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.87A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability13.3%C
Grade C: AverageEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.56xC
Grade C: AverageRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Shipchandler Khozema Filed | Shipchandler Khozema | SellOpen market sale | -2551 | |
Shipchandler Khozema Filed | Shipchandler Khozema | SellOpen market sale | -1600 | |
Shipchandler Khozema Filed | Shipchandler Khozema | SellOpen market sale | -800 | |
Shipchandler Khozema Filed | Shipchandler Khozema | SellOpen market sale | -501 | |
Shipchandler Khozema Filed | Shipchandler Khozema | SellOpen market sale | -5156 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Shipchandler Khozema Filed | Shipchandler Khozema | SellOpen market sale | -1900 | |
Shipchandler Khozema Filed | Shipchandler Khozema | SellOpen market sale | -1934 | |
Viggiano Aidan Filed | Viggiano Aidan | SellOpen market sale | -1110 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
20EROIC >12% Years0/9 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)51.5%A
Grade A: DurableMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years2/6 yrsD
Grade D: WeakShare of completed fiscal years with positive free cash flow
Net Margin Floor-33.4%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$7.48
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$17.30
Cash & short-term investments per share (Finnhub)
Book Value / Share$58.46
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$992.29M
Total debt obligations (short + long term)
Cash & Equiv.$2.47B
Cash and short-term investments
Net Debt$-1.48BA
Grade A: Net CashTotal Debt minus Cash. Negative = Net Cash position
Total Equity$7.82B
Shareholders' equity (book value)
Asset / Liability5.01xA
Grade A: SolidTotal Assets / Total Liabilities
Market
Market Cap$37.18B
Current Market Capitalization
Beta1.46C
Grade C: VolatilePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 16, 2026
Key Insights: Twilio Inc. (TWLO)
TWLO is down 10.62% at the last close — Twilio shares dropped 10.34% despite positive analyst upgrades and a raised price target to $315 by BTIG.. Piotroski F-Score of 6/9 indicates mixed fundamentals for Twilio Inc.. Altman Z-Score of 13.15 sits comfortably in the safe zone (≥ 2.99), indicating low bankruptcy risk. Beneish M-Score of -2.87 suggests a low likelihood of earnings manipulation.
- Revenue has compounded at roughly 16% annually — a strong growth profile.
- Interest coverage of 1.5× leaves little room for earnings shocks.
- Twilio Inc. posted a net loss in 9 of 10 available completed fiscal years (2016–2025).
See how TWLO ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all TWLO moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 16 | Regular | 243.91 | -10.79% | -2.88 |
| Oct 16 | After-hours | 242.12 | -11.44% | -3.05 |
| Oct 6 | Regular | 279.86 | -7.00% | -2.48 |
| Oct 6 | After-hours | 279.38 | -7.15% | -2.53 |
| Sep 25 | Regular | 275.54 | -8.05% | -2.77 |
Frequently Asked Questions about TWLO
What is the current Twilio Inc. (TWLO) stock price?
TWLO is trading at $244.37 at the last market close, down 10.62% on the session. PreMarketPrice tracks TWLO pre-market, intraday and after-hours prices.
Is TWLO stock a buy right now?
PreMarketPrice's quantitative model rates Twilio Inc.'s financial health at 78/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is TWLO stock overvalued?
Twilio Inc. trades at a trailing P/E of 32.4 and our valuation score rates it 42/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Twilio Inc. report earnings?
No confirmed earnings date is currently scheduled for TWLO. The Earnings section lists recent reports and updates as dates are announced.
What sector does Twilio Inc. operate in?
Twilio Inc. operates in the Technology sector, within the Services-Prepackaged Software industry. The Related Stocks section lists sector peers for comparison.
What does Twilio Inc. do?
Twilio is a cloud-based communications platform-as-a-service company offering communication building blocks that allow for a fully customized customer engagement experience spanning voice, video, chat, and SMS messaging.
About Twilio Inc. (TWLO) Stock
Twilio Inc. (TWLO) is a US-listed stock operating in the Technology sector, specifically the Services-Prepackaged Software industry. As of the latest update, Twilio Inc. is trading at $244.37, down 10.62% on the day with a market capitalization of $37.2 billion. The financial health score for TWLO is 78/100, which indicates excellent financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for TWLO stock.
TWLO Stock Analysis & Key Metrics
On PreMarketPrice, you can track Twilio Inc. (TWLO) across multiple dimensions:
- Pre-market price & movement: Real-time TWLO stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for TWLO with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Twilio Inc. across multiple reporting periods.
- Financial health score: A composite score of 78/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for TWLO.
- Sector peers: Compare TWLO against 6 other technology stocks on key financial metrics.
Is TWLO a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Twilio Inc. (TWLO) as an investment. The financial health score of 78/100 suggests excellent financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Twilio Inc. (TWLO) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.