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 - $36.79
Previous CloseN/A
Volume25.91K
Average Volume (3M)87.68K
Market Cap
$1.03B
Enterprise Value$126.67M
Total Cash (Recent Filing)$124.84M
Total Debt (Recent Filing)$7.56M
Price to Earnings (P/E)32.8
Beta0.37
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/Revenue0.50
Enterprise Value/Gross Profit1.70
Enterprise Value/Ebitda1.75
Forecast
1Y Price Target
$25.00Price Target Upside33.12% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)1.01
Revenue Forecast (FY)$300.21M
Bulls Say, Bears Say
Bulls Say
Robust Revenue Growth (organic + Acquisitions)Sustained double-digit top-line growth driven by both organic revenue (+10.1% organic in Q1) and targeted acquisitions increases scale and market reach. This growth supports underwriting leverage, funds tech and M&A strategy, and underpins management's reaffirmed FY26 guidance, making revenue expansion durable over the next several quarters.
Significant Margin Expansion And ProfitabilityLarge margin improvement demonstrates operating leverage in the broker/MGA model and better underwriting mix; combined with TTM gross margin (~44.7%), it suggests sustainable profitability gains if retention and pricing hold. Margin strength provides cash to fund tech, buybacks, and M&A while improving return on capital over multiple quarters.
Strong Balance Sheet And Cash GenerationAmple liquidity, minimal term debt and improving operating/free cash flow create financial flexibility for disciplined acquisitions, technology investment and capital returns. A conservative leverage profile today reduces refinancing risk and provides a durable buffer against near-term pricing cycles or loss-ratio volatility while supporting strategic execution.
Bears Say
Reliance On Acquisitions For Retention And GrowthA material portion of headline retention and revenue gains derive from acquired books, which can mask weaker organic retention. Continued reliance on M&A raises integration risk, contingent liabilities and creates variability in future organic growth rates; sustaining long-term performance requires improving core retention and organic sales.
Softening Pricing And Competitive PressureA softer pricing environment and insurer competition (notably in Florida) can erode average premiums and elevate loss ratios, pressuring underwriting margins. Over the next several quarters, weaker rate trajectory requires tighter underwriting, higher new-business economics or cost offsets to maintain the recent margin gains.
Rising Operating Expenses And Uncertain Cost SavingsElevated commission, payroll and admin costs from acquisitions and technology scaling increase the fixed expense base. Management expects AI and tech to yield productivity but quantifies uncertainty around timing and net savings; if anticipated efficiencies lag, margins and cash conversion could revert, pressuring durable profitability.
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 $36.79 in the past 12 months.
What is TWFG, Inc. Class A’s market cap?
TWFG, Inc. Class A’s market cap is $1.03B.
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 89 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:
$25.00 (33.12% Upside)
$25.00 (33.12% 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 $2.6M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
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
TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. Its personal and commercial insurance products include auto, home, renters, life, health, motorcycle, umbrella, boat, recreational vehicle, flood, wind, event, luxury item, general liability, property, business auto, workers' compensation, business owner policy, and professional liability insurance products, as well as commercial bonds and group benefits. The company was founded in 2001 and is based in The Woodlands, Texas. TWFG, Inc. operates as a subsidiary of Bunch Family Holdings, LLC.
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
$25.00
▲(33.12% 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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