TWFG, Inc. Class A (TWFG)
NASDAQ:TWFG
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Earnings Data
Report Date
Sep 01, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.24Last Year’s EPS
0.2Same Quarter Last Year
Moderate Buy
Based on 7 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlighted strong top-line and bottom-line performance (35.3% revenue growth, 23.5% written premium growth, 73.9% adjusted EBITDA growth and 650 bps margin expansion), healthy cash and balance sheet metrics, strategic acquisitions and sizeable technology/AI investments. Management acknowledged market softening, temporary margin tailwinds from Florida takeouts that will normalize, elevated operating expenses tied to M&A and technology, and some uncertainty around contingents and AI cost realization. On balance, the positives (robust growth, margin expansion, cash generation, disciplined capital allocation and strategic investments) materially outweigh the transitory and manageable challenges discussed.Company Guidance
Strong Revenue Growth
Total revenues rose 35.3% year-over-year to $72.8 million, driven by organic growth and acquisitions.
Written Premiums and Sales Momentum
Total written premium increased 23.5% ($87 million) to $458.2 million; renewals grew $59 million (21%), new business grew $28 million (31%), and consolidated retention was 92% (underlying retention excl. acquisitions ~88%).
Exceptional MGA Performance
MGA revenue grew $41 million or 77.3% year-over-year, reflecting the impact of the MGA Florida acquisition and expanded program distribution.
Material Profitability Expansion
Adjusted EBITDA increased 73.9% to $21.2 million and adjusted EBITDA margin expanded by 650 basis points to 29.1% (from 22.6%). Net income rose 90.8% to $13.1 million and net income margin improved to 18% (from 12.7%). Adjusted net income increased 75.2% to $16.2 million with a 22.2% margin (up from 17.1%).
Healthy Organic Growth and Cash Generation
Organic revenues were $54.3 million, an organic growth rate of 10.1%. Cash flow from operating activities was $22.7 million (vs $15.6 million prior year) and adjusted free cash flow was $15.2 million (up from $13.6 million).
Solid Balance Sheet and Capital Deployment
Unrestricted cash of $124.8 million, full unused capacity on $50 million revolver, only $3.5 million of term debt outstanding, and $40 million of $50 million repurchase executed (about $10 million remaining).
Strategic M&A and Geographic Expansion
Completed three acquisitions (Lofton Wells Insurance - TN corporate location; Asset Protection Insurance Associates - Texas-based MGA; Fortress Insurance Services - Iowa), adding scale, MGA capabilities and Midwest footprint.
Technology and AI Investment
Scaled technology team to 44 professionals (approx. one-third of non-sales corporate staff), appointed a CTO focused on AI, investing in proprietary AI solutions leveraging 25 years of underwriting data to drive productivity and expected long-term margin expansion.
Reaffirmed Full-Year Guidance
Reaffirmed 2026 guidance: total revenue growth 15%-20% to $285M-$300M; organic revenue growth 10%-15%; adjusted EBITDA margins 22%-25%.
TWFG Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
TWFG Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 07, 2026 | $19.35 | $19.12 | -1.19% |
Feb 25, 2026 | $17.93 | $19.20 | +7.08% |
Nov 12, 2025 | $26.55 | $27.25 | +2.64% |
Aug 12, 2025 | $26.76 | $28.35 | +5.94% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does TWFG, Inc. Class A (TWFG) report earnings?
TWFG, Inc. Class A (TWFG) is schdueled to report earning on Sep 01, 2026, After Close (Confirmed).
What is TWFG, Inc. Class A (TWFG) earnings time?
TWFG, Inc. Class A (TWFG) earnings time is at Sep 01, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is TWFG EPS forecast?
TWFG EPS forecast for the fiscal quarter 2026 (Q2) is 0.24.