TWFG, Inc. Class A (TWFG)
NASDAQ:TWFG
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TWFG Stock Chart & Stats
$18.78
-$0.39(-1.38%)
At close: 4:00 PM EST
$18.78
-$0.39(-1.38%)
Day’s Range― - ―
52-Week Range$16.56 - $35.96
Previous CloseN/A
Volume25.91K
Average Volume (3M)87.68K
Market Cap
$1.28B
Enterprise Value$155.26M
Total Cash (Recent Filing)$124.84M
Total Debt (Recent Filing)$7.56M
Price to Earnings (P/E)42.3
Beta0.29
Next Earnings
Sep 01, 2026EPS Estimate
0.25Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.56
Shares Outstanding12,997,112
10 Day Avg. Volume73,283
30 Day Avg. Volume87,679
Financial Highlights & Ratios
PEG Ratio0.30
Price to Book (P/B)5.20
Price to Sales (P/S)1.85
P/FCF Ratio8.13
Enterprise Value/Market Cap0.12
Enterprise Value/Revenue0.61
Enterprise Value/Gross Profit2.08
Enterprise Value/Ebitda2.14
Forecast
1Y Price Target
$23.83Price Target Upside26.91% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)1.02
Revenue Forecast (FY)$300.94M
Bulls Say, Bears Say
Bulls Say
Strong Revenue GrowthTWFG’s Q1 demonstrated pronounced top-line momentum with 35.3% reported revenue growth and ~10% organic expansion. Durable revenue growth, driven by both organic renewals/new business and targeted acquisitions, increases scale, improves underwriting leverage, and supports multi-quarter revenue visibility for investments and M&A.
Material Margin ExpansionMargin expansion to mid-single digit net margins and very strong gross margins reflects better underwriting results and higher-margin MGA activity. Sustained margin gains indicate improving operating leverage and profitability resilience as revenue base grows, supporting durable cash generation even with near-term noise.
Strong Cash Position & Low LeverageA very conservative capital structure and substantial liquidity give TWFG flexibility to fund buybacks, acquisitions and tech investment without stressing operations. Robust operating and free cash flow trends plus available revolver capacity support capital allocation and provide a durable buffer versus underwriting or market shocks.
Bears Say
Dependence On M&A For GrowthA portion of headline growth and retention improvement comes from recent acquisitions, making organic performance harder to isolate. Reliance on inorganic deals raises integration, contingent liability and execution risks that can pressure margins and create volatility in multi-quarter growth measurement.
Pricing Pressure And Temporary Florida TailwindManagement flagged moderating pricing, especially in property/auto markets and Florida. The near-term margin boost from Florida takeouts is temporary; as policies renew with full commission expense, sustainable margins could compress, making prior margin gains at risk without offsetting structural improvements.
Rising Opex And Uncertain AI SavingsOperating costs have grown materially due to acquisitions and ramped tech/AI hires, pressuring near-term margins. Management also notes AI cost-savings are uncertain, so elevated expense run-rate could persist until efficiencies are proven, limiting margin upside over multiple quarters.
TWFG, Inc. Class A News
TWFG FAQ
What was TWFG, Inc. Class A’s price range in the past 12 months?
TWFG, Inc. Class A lowest stock price was $16.56 and its highest was $35.96 in the past 12 months.
What is TWFG, Inc. Class A’s market cap?
TWFG, Inc. Class A’s market cap is $1.28B.
When is TWFG, Inc. Class A’s upcoming earnings report date?
TWFG, Inc. Class A’s upcoming earnings report date is Sep 01, 2026 which is in 64 days.
How were TWFG, Inc. Class A’s earnings last quarter?
TWFG, Inc. Class A released its earnings results on May 07, 2026. The company reported $0.29 earnings per share for the quarter, beating the consensus estimate of $0.203 by $0.087.
Is TWFG, Inc. Class A overvalued?
According to Wall Street analysts TWFG, Inc. Class A’s price is currently Undervalued.
Does TWFG, Inc. Class A pay dividends?
TWFG, Inc. Class A does not currently pay dividends.
What is TWFG, Inc. Class A’s EPS estimate?
TWFG, Inc. Class A’s EPS estimate is 0.25.
How many shares outstanding does TWFG, Inc. Class A have?
TWFG, Inc. Class A has 12,997,112 shares outstanding.
What happened to TWFG, Inc. Class A’s price movement after its last earnings report?
TWFG, Inc. Class A reported an EPS of $0.29 in its last earnings report, beating expectations of $0.203. Following the earnings report the stock price went down -1.189%.
Which hedge fund is a major shareholder of TWFG, Inc. Class A?
Currently, no hedge funds are holding shares in TWFG
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
TWFG, Inc. Class A Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$23.83 (26.91% Upside)
$23.83 (26.91% Upside)
Blogger Sentiment
Bullish
TWFG Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 71.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $3.4M over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-0.54%
12-Months-Change
Fundamentals
Return on Equity
10.80%
Trailing 12-Months
Asset Growth
12.30%
Trailing 12-Months
Company Description
TWFG, Inc. Class A
Established in 2001 and based in The Woodlands, Texas, TWFG, Inc. serves as an independent intermediary for a broad spectrum of personal and commercial insurance offerings throughout the United States. A subsidiary of Bunch Family Holdings, LLC, the company provides an extensive portfolio of coverage. For individual clients, this includes policies for automobiles, homes, renters, life, health, motorcycles, boats, recreational vehicles, umbrella, flood, wind, events, and luxury items. Commercial customers can access solutions such as general liability, property, business auto, workers' compensation, business owner policies, professional liability insurance, commercial bonds, and group benefits.
TWFG Company Deck
TWFG Earnings Call
Q1 2026
0:00 / 0:00
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.View all TWFG earnings summariesTWFG Stock 12 Month Forecast
Average Price Target
$23.83
▲(26.91% Upside)
Technical Analysis
Ownership Overview
10.96% Insiders
40.75% Mutual Funds
16.07% Other Institutional Investors
27.65% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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