Company Overview
TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. The company offers auto, home, renters, life, health, motorcycle, umbrella, boat, recreational vehicle, flood, wind, event, luxury item, general liability, property, business auto, workers' compensation, business owner policy, and professional liability insurance products, as well as commercial bonds and group benefits. TWFG, Inc. was founded in 2001 and is based in The Woodlands, Texas.
Why Investors Should Care
Generates a return on equity of 19.3%, reflecting efficient use of shareholder capital.
Revenue has grown at a 16.6% CAGR over the past five years.
Operating margin of 20.1% supports profitability.
Recent Developments
- Dec 2025 Revenue of $233.96M (+20.8% YoY); net profit $7.96M.
- Trailing 12 Months Year-on-year growth — revenue +45.1%, earnings +38.1%.
- 5-Year Trend Long-term compounding — revenue CAGR 16.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 16.55% |
| 1 Year: | 45.10% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | 38.10% |
Stock Price Performance
| 1 Year: | -0.46% |
| 6 Months: | +41.10% |
| 3 Months: | +41.88% |
| 1 Month: | -2.92% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)49.50 · Neutral
P/E of 47.03 is above the sector median of 12.89 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 16.6% over 5 years.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | TWFG TWFG, Inc. FINANCIAL | 28.22 | 47.03 | $363.48M | 0.00% | 7.27% | 19.32% | 16.55% | - |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | 45.38M | 47.71M | 46.14M | 53.01M | 52.86M | - | 51.80M | 57.89M | 61.74M | 62.54M | 70.40M |
| Cost of Revenue | - | - | - | - | - | - | - | 40.01M | 43.64M | 44.57M | 42.93M | 46.93M |
| Gross Profit | - | - | - | - | - | - | - | 11.79M | 14.25M | 17.17M | 19.61M | 23.47M |
| Operating Expenses | - | - | - | - | - | - | - | 7.72M | 8.92M | 10.23M | 12.07M | 13.05M |
| Operating Income | - | 7.24M | 7.90M | 7.30M | 7.52M | 5.97M | - | 4.07M | 5.33M | 6.94M | 7.54M | 10.42M |
| EBITDA | - | - | - | - | - | - | - | 10.95M | 13.59M | 15.99M | 22.55M | 20.44M |
| Interest Expense | - | - | - | - | - | - | - | 83.00K | 68.00K | 70.00K | 66.00K | 62.00K |
| Pretax Income | - | - | - | - | - | - | - | 7.51M | 9.62M | 10.60M | 16.72M | 14.21M |
| Tax Provision | - | - | - | - | - | - | - | 656.00K | 620.00K | 977.00K | 1.03M | 1.13M |
| Net Income | 6.21M | 7.07M | 7.61M | 0 | 0 | 1.15M | - | 1.34M | 1.96M | 1.72M | 2.95M | 1.76M |
| Diluted EPS | - | 11.19 | - | - | 10.49 | 0.08 | - | 0.09 | 0.13 | 0.11 | 0.18 | 0.12 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Revenue | 147.78M | 166.99M | 193.72M | 233.96M |
| Cost of Revenue | 117.15M | 130.82M | 147.15M | 171.15M |
| Gross Profit | 30.63M | 36.17M | 46.57M | 62.81M |
| Operating Expenses | 11.54M | 14.87M | 27.37M | 38.93M |
| Operating Income | 19.10M | 21.31M | 19.20M | 23.87M |
| EBITDA | 27.05M | 31.13M | 44.33M | 63.09M |
| Interest Expense | 398.00K | 1.00M | 2.22M | 287.00K |
| Pretax Income | 23.35M | 25.26M | 30.09M | 44.45M |
| Tax Provision | 0 | 0 | 1.50M | 3.28M |
| Net Income | 0 | 0 | 2.75M | 7.96M |
| Diluted EPS | 0.00 | 0.00 | 0.19 | 0.51 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Total Assets | 114.15M | 115.44M | 323.43M | 372.33M |
| Current Assets | 88.72M | 75.11M | 241.85M | 225.52M |
| Cash & Equivalents | 22.33M | 39.30M | 195.77M | 155.93M |
| Inventory | - | - | - | - |
| Receivables | 20.64M | 25.06M | 34.91M | 44.79M |
| Total Liabilities | 56.37M | 84.39M | 48.14M | 55.69M |
| Current Liabilities | 46.33M | 34.91M | 39.62M | 44.08M |
| Long Term Debt | 8.36M | 46.92M | 4.01M | 2.04M |
| Total Debt | 13.31M | 51.76M | 10.30M | 8.22M |
| Total Equity | 57.79M | 31.05M | 73.88M | 83.38M |
| Shares Outstanding | 13.16M | 13.16M | 14.81M | 15.03M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Operating Cash Flow | 25.75M | 30.15M | 40.48M | 53.50M |
| Investing Cash Flow | -14.50M | -14.65M | -25.05M | -70.38M |
| Financing Cash Flow | -15.26M | -9.70M | 143.43M | -20.55M |
| Capital Expenditure | -12.28M | -15.65M | -25.05M | -62.27M |
| Free Cash Flow | 13.48M | 14.51M | 15.42M | -8.77M |
| Net Change in Cash | -4.01M | 5.80M | 158.85M | -37.42M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Gross Margin % | 20.7% | 21.7% | 24.0% | 26.8% |
| Operating Margin % | 12.9% | 12.8% | 9.9% | 10.2% |
| Net Margin % | 0.0% | 0.0% | 1.4% | 3.4% |
| ROE % | 0.0% | 0.0% | 3.7% | 9.6% |
| ROCE % | 28.2% | 26.5% | 6.8% | 7.3% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | BAMCO Inc. | 8.81% | 1.14M | $30.34M |
| 2 | Franklin Resources, Inc. | 6.07% | 781.91K | $20.90M |
| 3 | T. Rowe Price Investment Management, Inc. | 5.85% | 753.68K | $20.15M |
| 4 | Giverny Capital Inc. | 5.07% | 652.45K | $17.44M |
| 5 | CENTRAL SECURITIES CORP | 3.88% | 500.00K | $13.36M |
| 6 | Vanguard Capital Management LLC | 3.80% | 489.24K | $13.08M |
| 7 | Marshall Wace LLP | 3.17% | 408.73K | $10.93M |
| 8 | Two Sigma Investments, LP | 2.89% | 372.37K | $9.95M |
| 9 | Jane Street Group, LLC | 2.74% | 353.22K | $9.44M |
| 10 | Riverbridge Partners LLC | 2.58% | 332.66K | $8.89M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for TWFG
Responsive Playbooks and the TWFG Inflection - Stock Traders Daily
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Giverny Capital Inc. Purchases 100,345 Shares of TWFG, Inc. $TWFG - marketbeat.com
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TWFG, Inc. (TWFG) Q2 Earnings and Revenues Beat Estimates - finance.yahoo.com
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TWFG, Inc. (TWFG): Bunch family reports 74% beneficial stake in Class A - Stock Titan
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TWFG, Inc. - Common Stock (TWFG) Stock Price, News, Quote & History - FinancialContent
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TWFG growth potential: revenue CAGR, valuation, and risks - Investing.com
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TWFG — Frequently Asked Questions
What is the current share price of TWFG, Inc. (TWFG)?
As of 2026-09-19 21:16 PDT, TWFG, Inc. (TWFG) trades at $28.22 on NasdaqGS. Its 52-week range is $17.04 to $31.15.
What is the market capitalisation of TWFG?
TWFG, Inc. (TWFG) has a market capitalisation of $363.48M on NasdaqGS.
What is the P/E ratio of TWFG?
TWFG trades at a trailing price-to-earnings (P/E) ratio of 47.03. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 7.41.
What is the return on equity (ROE) of TWFG?
TWFG has a return on equity (ROE) of 19.32%. Its return on capital employed (ROCE) is 7.27%.
Is TWFG a good stock to buy?
This page provides a data-driven analysis of TWFG, Inc. (TWFG), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.