TWFG, Inc./$TWFG
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About TWFG, Inc.
TWFG Inc is a 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
Primary listing
Employees
-
Headquarters
Website
TWFG, Inc. Metrics
BasicAdvanced
$402M
97.66
$0.27
-
-
Price and volume
Market cap
$402M
52-week high
$36.85
52-week low
$23.52
Average daily volume
149K
Financial strength
Current ratio
4.594
Quick ratio
4.283
Long term debt to equity
2.936
Total debt to equity
4.753
Dividend payout ratio (TTM)
256.14%
Interest coverage (TTM)
39.69%
Profitability
EBITDA (TTM)
38.129
Gross margin (TTM)
84.60%
Net profit margin (TTM)
2.76%
Operating margin (TTM)
11.97%
Effective tax rate (TTM)
8.23%
Management effectiveness
Return on assets (TTM)
6.55%
Return on equity (TTM)
17.33%
Valuation
Price to earnings (TTM)
97.657
Price to revenue (TTM)
2.684
Price to book
5.08
Price to tangible book (TTM)
-8.46
Price to free cash flow (TTM)
-299.856
Free cash flow yield (TTM)
-0.33%
Free cash flow per share (TTM)
-0.089
Growth
Revenue change (TTM)
17.62%
Earnings per share change (TTM)
-101.34%
Bulls say / Bears say
TWFG reported strong Q2 2025 results with total revenue up 13.8% to $60.3 million and adjusted EBITDA rising 40.7%, increasing the adjusted EBITDA margin to 25.1% (GlobeNewswire)
TWFG’s acquisition of Angers & Litz Associates extended its reach into the Northeast, adding immediate regional scale and access to long-term client relationships for growth (Investing.com)
After a strong Q1 2025, TWFG raised full-year guidance, now expecting organic revenue growth of 12–16% and an adjusted EBITDA margin of 20–22% (GlobeNewswire)
Organic revenue growth slowed to 10.6% in Q2 2025 from 14.3% in Q1 2025, indicating softer momentum in the core business (GlobeNewswire, GlobeNewswire)
Operating costs climbed faster than revenues in Q2 2025, with salaries and employee benefits growing 39.3% and other administrative expenses rising 44.2%, compared to revenue growth of 13.8%, putting pressure on profitability (GlobeNewswire)
TWFG trades at a steep valuation with a trailing P/E of 97.6x and forward P/E of 35.7x, leaving little room for error if growth slows (StockAnalysis)
Data summarised monthly by Lightyear AI. Last updated on 5 Oct 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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Capital at risk
Upcoming events
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FAQs
What’s the current market cap for TWFG, Inc. stock?
TWFG, Inc. (TWFG) has a market cap of $402M as of October 12, 2025.
What is the P/E ratio for TWFG, Inc. stock?
The price to earnings (P/E) ratio for TWFG, Inc. (TWFG) stock is 97.66 as of October 12, 2025.
Does TWFG, Inc. stock pay dividends?
No, TWFG, Inc. (TWFG) stock does not pay dividends to its shareholders as of October 12, 2025.
When is the next TWFG, Inc. dividend payment date?
TWFG, Inc. (TWFG) stock does not pay dividends to its shareholders.
What is the beta indicator for TWFG, Inc.?
TWFG, Inc. (TWFG) does not currently have a Beta indicator.