TWFG, Inc. Class A (TWFG)
NASDAQ:TWFG
Earnings Data
Report Date
May 19, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.2Last Year’s EPS
0.16Same Quarter Last Year
Moderate Buy
Based on 7 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed strong operational and financial momentum: double-digit top-line and written premium growth, substantial profitability gains, a fortress balance sheet, disciplined accretive M&A and significant investments in technology and AI. Management acknowledged near-term headwinds from a softening rate environment, regional hard-market pockets (notably California wildfire exposure), higher operating and public-company costs, and valuation uncertainty in larger M&A. On balance, positive growth, cash strength, margin expansion (historical) and strategic positioning for AI and scale outweigh the flagged risks and conservatism in guidance.Company Guidance
Strong Full-Year Revenue Growth
Total revenue for full year 2025 increased 21.3% to $247.1 million, driven by double-digit organic growth, retail and MGA performance, and accretive acquisitions.
Material Increase in Written Premiums
Total written premium rose $82.0 million or 22.7% to $443.4 million, with insurance services up 17.4% to $361.3 million and TWFG MGA up 53.2% to $82.1 million (including ~ $27.1 million from the TWFG MGA Florida acquisition).
Renewals, New Business and Retention Strength
Renewals grew $58.2 million (+21.3%), new business increased $23.8 million (+27.2%), and the company maintained a 92% retention rate, underscoring customer engagement despite a softer rate environment.
Significant Profitability Expansion
Net income increased 76.2% to $14.4 million (net margin 21%). Adjusted net income rose 58.9% to $16.7 million (margin 24.3%), and Adjusted EBITDA increased 56.9% to $21.7 million (margin 31.6% vs. 26.8% prior year).
Very Strong Liquidity and Capital Actions
Unrestricted cash of $155.9 million, $0 drawn on $50 million revolver and only $4 million of term debt outstanding. Company announced a share repurchase program of up to $50 million.
M&A and Geographic/Capability Expansion
Entered definitive agreements to acquire Lofton Wells Insurance Agency (Memphis corporate location) and Asset Protection Insurance Associates (Texas-based MGA), continuing disciplined M&A focused on cultural fit and accretive targets.
Technology and AI Investment as Strategic Advantage
Proprietary technology emphasized as a competitive moat: 44 technology positions (32% of corporate employee base), new CTO and Chief Underwriting Officer hires, use of AI coding assistant (Claude) to boost engineering productivity and planned AI deployments across agent tools, underwriting and back-office workflows.
Strong 2026 Guidance
Management guides 2026 total revenues growth of 15%–20% to $285M–$300M, adjusted EBITDA margin of 22%–25%, and organic revenue growth of 10%–15%, signaling continued double-digit organic growth expectations.
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 |
|---|---|---|---|
Mar 25, 2026 | $17.83 | $18.32 | +2.75% |
Nov 12, 2025 | $26.55 | $27.25 | +2.64% |
Aug 12, 2025 | $26.76 | $28.35 | +5.94% |
May 13, 2025 | $32.46 | $32.26 | -0.62% |
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 May 19, 2026, After Close (Confirmed).
What is TWFG, Inc. Class A (TWFG) earnings time?
TWFG, Inc. Class A (TWFG) earnings time is at May 19, 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 (Q1) is 0.2.