TWFG, Inc./$TWFG
1D1W1MYTD1Y5YMAX
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
$308M
39.78
$0.60
0.15
-
Price and volume
Market cap
$308M
Beta
0.15
52-week high
$31.30
52-week low
$16.56
Average daily volume
185K
Financial strength
Current ratio
2.562
Quick ratio
2.025
Long term debt to equity
0.017
Total debt to equity
0.029
Dividend payout ratio (TTM)
240.60%
Interest coverage (TTM)
211.10%
Profitability
EBITDA (TTM)
76.549
Gross margin (TTM)
85.88%
Net profit margin (TTM)
2.98%
Operating margin (TTM)
18.26%
Effective tax rate (TTM)
6.97%
Revenue per employee (TTM)
$740,000
Management effectiveness
Return on assets (TTM)
9.60%
Return on equity (TTM)
19.32%
Valuation
Price to earnings (TTM)
39.776
Price to revenue (TTM)
1.174
Price to book
6.63
Price to tangible book (TTM)
-2.31
Price to free cash flow (TTM)
-42.016
Free cash flow yield (TTM)
-2.38%
Free cash flow per share (TTM)
-0.569
Growth
Revenue change (TTM)
34.74%
Earnings per share change (TTM)
118.88%
Bulls say / Bears say
TWFG’s second-quarter revenue rose 45.1% year on year and organic revenue grew 37%, while adjusted EBITDA increased 75.8% and the margin reached 30.4%. Management raised its 2026 revenue, organic-growth and margin guidance, showing that execution is ahead of its previous plan. (GlobeNewswire, SEC filing)
The MGA channel is scaling rapidly and carries higher margins than TWFG’s core insurance-services business. MGA written premium more than doubled in the second quarter, while MGA commission income rose 290% and reached 35% of revenue, helped by the APIA acquisition and Florida homeowners programmes. (StockAnalysis, GlobeNewswire)
TWFG is gaining scale through acquisitions and stronger customer retention. Its Q2 written-premium retention reached 93%, first-half acquisitions added about $51 million of written premium, and management says carrier appetite for quality independent-agent business remains strong. (GlobeNewswire, StockAnalysis)
TWFG expects a sharp slowdown in reported organic growth later in 2026. Management said fourth-quarter growth could be flat because Florida takeout premiums that benefited earlier comparisons will not recur in the same periods. (StockAnalysis, Longbridge)
Part of the recent margin surge is temporary rather than fully structural. The Florida takeout runoff currently generates commission income without the usual commission expense, but that benefit should fade as policies renew with normal full-term economics. (StockAnalysis, Longbridge)
TWFG remains exposed to softer personal-lines pricing. Management reported mid-single-digit personal-auto rate declines in some segments and broadly flat homeowners rates, with regional pressure in catastrophe-exposed areas; weaker pricing could limit premium growth and reduce the benefit of a favourable insurance cycle. (StockAnalysis, GlobeNewswire)
Data summarised monthly by Lightyear AI. Last updated on 17 Sept 2026.
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