The earnings call reflected strong financial performance with significant revenue growth, margin expansion, and successful M&A activities. However, challenges such as increased expenses and softening market conditions, particularly in California, were noted. Overall, the positive aspects, including robust financial metrics and strategic growth initiatives, outweigh the negatives.

Company Guidance

During TWFG's Third Quarter 2025 Earnings Conference Call, the company provided robust guidance for the year ahead, reflecting its strong financial performance and strategic growth initiatives. Total revenues for the quarter rose by 21% quarter-over-quarter to $64.1 million, driven by a 10.2% organic revenue growth and successful mergers and acquisitions (M&A). Adjusted EBITDA increased significantly by 45% to $17 million, with margins expanding by 430 basis points to 26.5%. The company's recruiting and M&A efforts resulted in the addition of 8 new retail locations, 1 corporate location, and 370 independent agents, alongside the acquisition of Alabama Insurance Agency, which added 23 retail locations. For the full year 2025, TWFG expects total revenues to be between $240 million and $245 million, with an organic revenue growth rate of 11% to 13%, and adjusted EBITDA margins of 24% to 25%. The company ended the quarter with $151 million in cash, positioning it well for future growth and M&A opportunities.

Significant Revenue Growth

Total revenues increased 21.3% over the prior year period to $64.1 million, with organic revenue growth of 10.2%.

Strong EBITDA and Margin Expansion

Adjusted EBITDA grew 44.7% to $17 million, with margins expanding by over 400 basis points to 26.5%.

Successful M&A Activities

Addition of 8 new retail locations, 1 corporate location, and 370 independent agents. Acquisition of Alabama Insurance Agency added 23 retail locations.

Robust Premium and Retention Rates

Written premium increased by 16.9% to $467.7 million with a retention rate of 91%.

Positive Cash Flow and Financial Position

Operating cash flow of $15 million and $151 million in cash with no draws on the revolver.

TWFG, Inc. Class A (TWFG) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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TWFG Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Mar 25, 2026	2025 (Q4)	0.18 / -	0.19	―	―	―
Nov 12, 2025	2025 (Q3)	0.18 / 0.23	0.15	53.33% (+0.08)	―
Aug 12, 2025	2025 (Q2)	0.17 / 0.20	14.894	-98.66% (-14.69)	―
May 13, 2025	2025 (Q1)	0.15 / 0.16	0.153	4.58% (<+0.01)	―
Mar 19, 2025	2024 (Q4)	0.11 / 0.19	0.352	-46.02% (-0.16)	―
Nov 13, 2024	2024 (Q3)	0.16 / 0.15	0.514	-70.82% (-0.36)	―
Aug 27, 2024	2024 (Q2)	0.14 / 14.89	―	―	―

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
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%
Mar 19, 2025	$32.00	$30.15	-5.78%

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 Mar 25, 2026, After Close (Confirmed).

What is TWFG, Inc. Class A (TWFG) earnings time?

TWFG, Inc. Class A (TWFG) earnings time is at Mar 25, 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 2025 (Q4) is 0.18.

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