TWFG INC

TWFGNASDAQ

🏆 #3032 by market capEarnings Nov 11US Equity

$27.16▼ $0.29 (−1.06%)

Live

1h▲ 0.2%

24h▼ 1.1%

7d▼ 3.0%

14d▼ 4.4%

30d▲ 3.7%

1y▼ 0.9%

🏦Market Cap

$353M

Small Cap

📈Revenue Growth (YoY)

+20.8%

Healthy

📊Gross Margin

32.0%

Moderate

💵FCF Margin

15.8%

Healthy

⚖️P/S Ratio

1.3x

Cheap

Otter Score

Weak

Trading Snapshot

Day Range: $27.01 – $27.36
52-Week Range: $16.56 – $29.99
Volume: $3.64B
Avg Volume: $3.07B
Shares Outstanding: 13.0M
Next Earnings: Sep 9, 2026

Fundamentals Snapshot

Annual Revenue: $234M
Last Q Revenue: $88M
P/E Ratio: 45.7
P/S Ratio: 1.3x
EPS (TTM): $0.63
Dividend Yield: 0.00%

Why Investors Own TWFG

✓High-growth profile — revenue up -5.1% YoY with expanding US Equity exposure.
✓Healthy economics — 54% gross margin and 29% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$234M▼ −7.1% YoY

Gross Margin (TTM)

54.4%▲ +4.3% YoY

Operating Income (TTM)

$75M▼ −7.1% YoY

Free Cash Flow (TTM)

$69M▼ −7.1% YoY

About TWFG INC

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.

🦦