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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 - $35.69
Previous CloseN/A
Volume25.91K
Average Volume (3M)87.68K
Market Cap
$1.40B
Enterprise Value$155.26M
Total Cash (Recent Filing)$124.84M
Total Debt (Recent Filing)$7.56M
Price to Earnings (P/E)46.1
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 Cap0.11
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
Revenue Growth And Reaffirmed GuidanceManagement's reaffirmed 2026 guidance (15–20% revenue growth) backed by Q1 revenue up 35.3% signals durable top-line momentum from organic growth plus bolt‑on M&A. Sustained revenue expansion over multiple quarters supports scale advantages, predictable cash generation and room to invest in distribution and tech.
Material Margin ExpansionSubstantial EBITDA and margin improvement reflects operational leverage, higher commission income mix and MGA contributions. If core margins hold through renewals, improved profitability increases free cash flow convertibility and ROIC, strengthening the company's ability to fund growth and returns over the medium term.
Strong Liquidity And Cash GenerationLarge cash balance, minimal term debt and an unused revolver provide financial flexibility to pursue M&A, fund tech investments and return capital. Improving operating and free cash flow trends mean the company can sustain capex and buybacks while preserving liquidity, lowering refinancing and solvency risk over time.
Bears Say
Temporary MGA/Florida Takeout Margin TailwindA portion of recent margin gains stems from one-off economics in the Florida takeout (commission income without matching commission expense). As those policies renew with full commission expense, headline margins and earnings quality could revert, exposing profit metrics to renewal-cycle timing and reducing sustainable margin assumptions.
Softening Pricing And Competitive PressureStructural pricing pressure from direct writers and softened market rate trends can compress average premiums and elevate loss ratios. Over several quarters, weaker pricing reduces revenue per policy and can force higher marketing or retention spend, challenging margin and reserve assumptions across the portfolio.
Rising Operating Expenses And Uncertain AI SavingsHigher comp, commission and admin costs tied to acquisitions and scaling tech/AI teams increase structural operating leverage risk. Management expects AI productivity gains, but net cost savings are uncertain; until efficiencies materialize, elevated opex and D&A will pressure GAAP margins and require sustained FCF to fund investments.
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 $35.69 in the past 12 months.
What is TWFG, Inc. Class A’s market cap?
TWFG, Inc. Class A’s market cap is $1.40B.
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 60 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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