TWFG, Inc./$TWFG
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About TWFG, Inc.
TWFG Inc is an independent distribution platform for personal and commercial insurance in the United States. It offers all lines of insurance, multiple distribution contract options, M&A services, proprietary virtual assistants, proprietary technology, proprietary premium financing, unlimited continuing education, recognition programs, co-op funding, marketing support and overall lower costs to operate.
- Ticker
- $TWFG
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 400
- Headquarters
- The Woodlands, United States
- Website
- www.twfg.com
TWFG, Inc. Metrics
BasicAdvanced
$350M
46.23
$0.59
0.19
-
Price and volume
Market cap
$350M
Beta
0.19
52-week high
$31.42
52-week low
$16.56
Average daily volume
174K
Financial strength
Current ratio
2.813
Quick ratio
2.262
Long term debt to equity
0.014
Total debt to equity
0.025
Dividend payout ratio (TTM)
260.34%
Interest coverage (TTM)
207.02%
Profitability
EBITDA (TTM)
79.584
Gross margin (TTM)
85.98%
Net profit margin (TTM)
2.66%
Operating margin (TTM)
17.33%
Effective tax rate (TTM)
6.45%
Revenue per employee (TTM)
$780,000
Management effectiveness
Return on assets (TTM)
9.48%
Return on equity (TTM)
18.68%
Valuation
Price to earnings (TTM)
46.227
Price to revenue (TTM)
1.215
Price to book
7.37
Price to tangible book (TTM)
-2.75
Price to free cash flow (TTM)
-46.279
Free cash flow yield (TTM)
-2.16%
Free cash flow per share (TTM)
-0.585
Growth
Revenue change (TTM)
35.01%
Earnings per share change (TTM)
34.63%
What the Analysts think about TWFG, Inc.
Analyst ratings (Buy, Hold, Sell) for TWFG, Inc. stock.
Analyst projections of the future price of TWFG, Inc. stock.
Bulls say / Bears say
Q3 revenue rose 24.6% and organic revenue grew 16.6%; TWFG raised the low end of its full-year organic growth and adjusted EBITDA margin guidance. That supports the case that growth remains strong even as insurance rates moderate. (SEC)
The MGA business is growing quickly and has a higher commission rate than the core agency network. Its expansion helped commission income grow faster than written premiums, while commission expenses grew more slowly than commission income. (Insurance Business, SEC)
TWFG is adding agencies and MGAs, including its Select Insurance Solutions branch conversion, and says it has a healthy acquisition pipeline. Its cash and unused credit facility provide capacity to fund further deals. (The Motley Fool, SEC)
Organic growth slowed to 16.6% in Q3 from 37% in Q2, as the temporary boost from Florida takeout policies began to normalise. Management also expects the fourth quarter to reflect that normalisation and softer market conditions. (SEC, The Motley Fool)
Despite higher revenue, Q3 net income fell year on year and net margin declined to 11.3% from 15.0%; adjusted EBITDA margin also eased to 24.4% from 26.5%. Higher operating costs and acquisition-related amortisation weighed on reported profitability. (SEC)
Softening insurance prices leave less room for commission growth from rising premiums. Q3 written-premium retention was 88%, and management reported high-single-digit to low-teens property rate declines in more catastrophe-exposed areas. (The Motley Fool)
Data summarised monthly by Lightyear AI. Last updated on 10 Nov 2026.
TWFG, Inc. Financial Performance
Revenues and expenses
TWFG, Inc. Earnings Performance
Company profitability
Upcoming events
No upcoming events
TWFG, Inc. News
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