(TWFG) TWFG, Common Stock - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US87318A1016

Personal Insurance, Commercial Insurance, Bonds, Benefits

TWFG EPS (Earnings per Share)

EPS (Earnings per Share) of TWFG over the last years for every Quarter: "2023-03-31": null, "2023-06-30": null, "2023-09-30": null, "2023-12-31": null, "2024-03-31": 0.1657, "2024-06-30": 14.89, "2024-09-30": 0.0779, "2024-12-31": 0.19, "2025-03-31": 0.16, "2025-06-30": 0.2,

TWFG Revenue

Revenue of TWFG over the last years for every Quarter: 2023-03-31: 38.715, 2023-06-30: 43.979, 2023-09-30: 46.1, 2023-12-31: 38.196, 2024-03-31: 44.777, 2024-06-30: 51.351, 2024-09-30: 51.13, 2024-12-31: 46.462, 2025-03-31: 51.796, 2025-06-30: 57.891,

Description: TWFG TWFG, Common Stock

TWFG, Inc. is a leading independent insurance distribution platform in the United States, offering a diverse range of personal and commercial insurance products to individuals and businesses. The companys extensive portfolio includes various insurance types, such as auto, home, life, health, and commercial liability, as well as specialized products like flood, wind, and luxury item insurance. With a strong presence in the US market, TWFG, Inc. has established itself as a significant player in the insurance industry.

From a business perspective, TWFG, Inc. has demonstrated its ability to provide a wide range of insurance products to its customers, leveraging its distribution platform to meet the diverse needs of individuals and businesses. The companys business model is likely to benefit from the growing demand for insurance products, driven by increasing awareness of risk management and the need for financial protection. As a subsidiary of Bunch Family Holdings, LLC, TWFG, Inc. has a stable ownership structure, allowing it to focus on its core business operations.

Analyzing the and , we can identify some key trends and insights. The stocks current price is $34.61, with a 20-day SMA of $35.11, indicating a slight downward trend. The 50-day SMA is $33.91, and the 200-day SMA is $31.14, suggesting a long-term uptrend. The ATR is $1.45, or 4.18%, indicating moderate volatility. From a fundamental perspective, the companys market capitalization is approximately $520.75 million, with a P/E ratio of 129.41 and a P/E forward ratio of 49.75. The RoE is 22.96%, indicating a relatively strong return on equity.

Using the and , we can forecast the stocks potential performance. Based on the current trends and indicators, we can expect the stock to continue its upward trajectory, potentially reaching $40.00 in the next 6-12 months, driven by the companys strong business model and growing demand for insurance products. However, the high P/E ratio and moderate volatility may pose risks to the stocks performance, and investors should be cautious of potential market fluctuations.

Overall, TWFG, Inc. is a well-established player in the insurance industry, with a strong business model and a diverse range of insurance products. While the stocks current price is around $34.61, our forecast suggests that it may continue to grow in the near future, driven by the companys underlying fundamentals and market trends.

TWFG Stock Overview

Market Cap in USD 394m
Sub-Industry Multi-line Insurance
IPO / Inception 2024-07-18

TWFG Stock Ratings

Growth Rating 25.0%
Fundamental 85.9%
Dividend Rating -
Return 12m vs S&P 500 -22.6%
Analyst Rating 3.86 of 5

TWFG Dividends

Currently no dividends paid

TWFG Growth Ratios

Growth Correlation 3m -95.6%
Growth Correlation 12m 8.2%
Growth Correlation 5y 35.6%
CAGR 5y 11.89%
CAGR/Max DD 3y 0.35
CAGR/Mean DD 3y 1.19
Sharpe Ratio 12m -0.10
Alpha 0.04
Beta 0.821
Volatility 46.34%
Current Volume 134.8k
Average Volume 20d 118.6k
Stop Loss 23.8 (-5.1%)
Signal 0.03

Piotroski VR‑10 (Strict, 0-10) 6.5

Net Income (18.6m TTM) > 0 and > 6% of Revenue (6% = 12.4m TTM)
FCFTA 0.13 (>2.0%) and ΔFCFTA 3.83pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 78.70% (prev 19.01%; Δ 59.69pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.14 (>3.0%) and CFO 48.6m > Net Income 18.6m (YES >=105%, WARN >=100%)
Net Debt (-153.5m) to EBITDA (47.6m) ratio: -3.22 <= 3.0 (WARN <= 3.5)
Current Ratio 4.59 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (56.3m) change vs 12m ago 327.6% (target <= -2.0% for YES)
Gross Margin 54.96% (prev 21.37%; Δ 33.58pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 82.90% (prev 114.8%; Δ -31.86pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 52.01 (EBITDA TTM 47.6m / Interest Expense TTM 660.0k) >= 6 (WARN >= 3)

Altman Z'' 4.59

(A) 0.48 = (Total Current Assets 208.5m - Total Current Liabilities 45.4m) / Total Assets 342.8m
(B) 0.05 = Retained Earnings (Balance) 18.6m / Total Assets 342.8m
(C) 0.14 = EBIT TTM 34.3m / Avg Total Assets 250.0m
(D) 0.35 = Book Value of Equity 18.8m / Total Liabilities 53.9m
Total Rating: 4.59 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 85.89

1. Piotroski 6.50pt = 1.50
2. FCF Yield 18.51% = 5.0
3. FCF Margin 21.59% = 5.40
4. Debt/Equity 0.10 = 2.50
5. Debt/Ebitda 0.16 = 2.48
6. ROIC - WACC (= 31.70)% = 12.50
7. RoE 24.89% = 2.07
8. Rev. Trend 81.28% = 6.10
9. EPS Trend -33.02% = -1.65

What is the price of TWFG shares?

As of September 18, 2025, the stock is trading at USD 25.07 with a total of 134,800 shares traded.
Over the past week, the price has changed by +4.02%, over one month by -10.05%, over three months by -26.61% and over the past year by -8.30%.

Is TWFG, Common Stock a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, TWFG, Common Stock (NASDAQ:TWFG) is currently (September 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 85.89 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TWFG is around 19.92 USD . This means that TWFG is currently overvalued and has a potential downside of -20.54%.

Is TWFG a buy, sell or hold?

TWFG, Common Stock has received a consensus analysts rating of 3.86. Therefore, it is recommended to buy TWFG.
  • Strong Buy: 2
  • Buy: 2
  • Hold: 3
  • Sell: 0
  • Strong Sell: 0

What are the forecasts/targets for the TWFG price?

Issuer Target Up/Down from current
Wallstreet Target Price 34.5 37.6%
Analysts Target Price 34.5 37.6%
ValueRay Target Price 22.3 -11.1%

Last update: 2025-09-10 04:49

TWFG Fundamental Data Overview

Market Cap USD = 393.9m (393.9m USD * 1.0 USD.USD)
CCE Cash And Equivalents = 159.8m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 65.625
P/E Forward = 29.4985
P/S = 1.8008
P/B = 5.0105
Beta = None
Revenue TTM = 207.3m USD
EBIT TTM = 34.3m USD
EBITDA TTM = 47.6m USD
Long Term Debt = 3.03m USD (from longTermDebt, last quarter)
Short Term Debt = 4.65m USD (from shortTermDebt, last quarter)
Debt = 7.68m USD (Calculated: Short Term 4.65m + Long Term 3.03m)
Net Debt = -153.5m USD (from netDebt column, last quarter)
Enterprise Value = 241.7m USD (393.9m + Debt 7.68m - CCE 159.8m)
Interest Coverage Ratio = 52.01 (Ebit TTM 34.3m / Interest Expense TTM 660.0k)
FCF Yield = 18.51% (FCF TTM 44.8m / Enterprise Value 241.7m)
FCF Margin = 21.59% (FCF TTM 44.8m / Revenue TTM 207.3m)
Net Margin = 8.97% (Net Income TTM 18.6m / Revenue TTM 207.3m)
Gross Margin = 54.96% ((Revenue TTM 207.3m - Cost of Revenue TTM 93.4m) / Revenue TTM)
Tobins Q-Ratio = 12.87 (Enterprise Value 241.7m / Book Value Of Equity 18.8m)
Interest Expense / Debt = 0.89% (Interest Expense 68.0k / Debt 7.68m)
Taxrate = 4.97% (1.50m / 30.1m)
NOPAT = 32.6m (EBIT 34.3m * (1 - 4.97%))
Current Ratio = 4.59 (Total Current Assets 208.5m / Total Current Liabilities 45.4m)
Debt / Equity = 0.10 (Debt 7.68m / last Quarter total Stockholder Equity 78.7m)
Debt / EBITDA = 0.16 (Net Debt -153.5m / EBITDA 47.6m)
Debt / FCF = 0.17 (Debt 7.68m / FCF TTM 44.8m)
Total Stockholder Equity = 74.7m (last 4 quarters mean)
RoA = 5.42% (Net Income 18.6m, Total Assets 342.8m )
RoE = 24.89% (Net Income TTM 18.6m / Total Stockholder Equity 74.7m)
RoCE = 44.16% (Ebit 34.3m / (Equity 74.7m + L.T.Debt 3.03m))
RoIC = 40.58% (NOPAT 32.6m / Invested Capital 80.4m)
WACC = 8.88% (E(393.9m)/V(401.6m) * Re(9.04%)) + (D(7.68m)/V(401.6m) * Rd(0.89%) * (1-Tc(0.05)))
Shares Correlation 3-Years: 9.67 | Cagr: -23.56%
Discount Rate = 9.04% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 66.08% ; FCFE base≈32.7m ; Y1≈21.4m ; Y5≈9.81m
Fair Price DCF = 10.94 (DCF Value 164.2m / Shares Outstanding 15.0m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -33.02 | EPS CAGR: 16.24% | SUE: 0.00 | # QB: 0
Revenue Correlation: 81.28 | Revenue CAGR: 19.58% | SUE: N/A | # QB: 0

Additional Sources for TWFG Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle