(TWFG) TWFG, Common Stock - Overview
Sector: Financial Services | Industry: Insurance Brokers | Exchange: NASDAQ (USA) | Market Cap: 272m USD | Total Return: -32.3% in 12m
Insurance, Bonds, Benefits
Total Rating 49
Safety 86
Buy Signal -0.35
Insurance Brokers
Industry Rotation: +0.2
Industry Rotation: +0.2
Market Cap:
272M
Avg Turnover: 5.02M USD
Avg Turnover: 5.02M USD
ATR:
6.04%
Peers RS (IBD): 3.3
Peers RS (IBD): 3.3
Risk 5d forecast
Volatility45.8%
Rel. Tail Risk-0.47%
Reward TTM
Sharpe Ratio-0.91
Alpha-43.49
Character TTM
Beta0.032
Beta Downside-0.402
Drawdowns 3y
Max DD52.72%
CAGR/Max DD-0.16
EPS (Earnings per Share)
EPS CAGR: 40.38%
EPS Trend: -25.4%
EPS Trend: -25.4%
Last SUE: 0.02
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 19.05%
Rev. Trend: 89.2%
Rev. Trend: 89.2%
Last SUE: 3.03
Qual. Beats: 1
Qual. Beats: 1
Warnings
Share dilution 273.8% YoY - potential capital distress
Choppy
Tailwinds
No distinct edge detected
Description: TWFG TWFG, Common Stock
TWFG, Inc. is an insurance distributor operating in the United States. The company offers a broad portfolio of personal and commercial insurance products, including auto, home, life, health, and various business-specific coverages. Insurance distribution platforms connect consumers with multiple carriers, earning commissions on policies sold.
Founded in 2001 and headquartered in The Woodlands, Texas, TWFG operates within the Multi-line Insurance sub-industry. This sector typically involves companies offering a diverse range of insurance products to cater to a wider customer base.
For more detailed financial analysis and performance metrics, continue your research on ValueRay.
- Insurance premium growth drives revenue
- Catastrophic weather events increase claims costs
- Interest rate changes impact investment income
- Regulatory changes affect compliance expenses
Piotroski VR‑10 (Strict)
6.0
| Net Income: 7.96m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.12 > 0.02 and ΔFCF/TA 7.67 > 1.0 |
| NWC/Revenue: 94.37% < 20% (prev 104.4%; Δ -10.02% < -1%) |
| CFO/TA 0.14 > 3% & CFO 53.5m > Net Income 7.96m |
| Net Debt (-144.8m) to EBITDA (61.7m): -2.35 < 3 |
| Current Ratio: 68.07 > 1.5 & < 3 |
| Outstanding Shares: last quarter (56.3m) vs 12m ago 273.8% < -2% |
| Gross Margin: 27.24% > 18% (prev 0.24%; Δ 2.70k% > 0.5%) |
| Asset Turnover: 67.39% > 50% (prev 59.90%; Δ 7.50% > 0%) |
| Interest Coverage Ratio: 150.9 > 6 (EBITDA TTM 61.7m / Interest Expense TTM 287k) |
Altman Z''
5.38
| A: 0.60 (Total Current Assets 224.1m - Total Current Liabilities 3.29m) / Total Assets 370.9m |
| B: 0.06 (Retained Earnings 23.0m / Total Assets 370.9m) |
| C: 0.12 (EBIT TTM 43.3m / Avg Total Assets 347.2m) |
| D: 0.42 (Book Value of Equity 23.1m / Total Liabilities 55.6m) |
| Altman-Z'' Score: 5.38 = AAA |
Beneish M
-2.85
| DSRI: 0.85 (Receivables 35.9m/34.9m, Revenue 234.0m/193.7m) |
| GMI: 0.88 (GM 27.24% / 24.04%) |
| AQI: 1.65 (AQ_t 0.38 / AQ_t-1 0.23) |
| SGI: 1.21 (Revenue 234.0m / 193.7m) |
| TATA: -0.12 (NI 7.96m - CFO 53.5m) / TA 370.9m) |
| Beneish M-Score: -2.85 (Cap -4..+1) = A |
What is the price of TWFG shares?
As of April 08, 2026, the stock is trading at USD 18.91 with a total of 209,500 shares traded.
Over the past week, the price has changed by +2.83%, over one month by -5.45%, over three months by -31.26% and over the past year by -32.25%.
Over the past week, the price has changed by +2.83%, over one month by -5.45%, over three months by -31.26% and over the past year by -32.25%.
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.
- StrongBuy: 2
- Buy: 2
- Hold: 3
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the TWFG price?
| Analysts Target Price | 28 | 48.1% |
TWFG, Common Stock (TWFG) - Fundamental Data Overview
as of 06 April 2026
P/E Trailing = 34.1321 P/E Forward = 19.685
P/S = 1.094
P/B = 3.2299
Revenue TTM = 234.0m USD
EBIT TTM = 43.3m USD
EBITDA TTM = 61.7m USD
Long Term Debt = 2.04m USD (from longTermDebt, last quarter)
Short Term Debt = 3.29m USD (from shortTermDebt, last quarter)
Debt = 11.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -144.8m USD (from netDebt column, last quarter)
Enterprise Value = 127.1m USD (271.9m + Debt 11.1m - CCE 155.9m)
Interest Coverage Ratio = 150.9 (Ebit TTM 43.3m / Interest Expense TTM 287k)
EV/FCF = 2.75x (Enterprise Value 127.1m / FCF TTM 46.1m)
FCF Yield = 36.31% (FCF TTM 46.1m / Enterprise Value 127.1m)
FCF Margin = 19.72% (FCF TTM 46.1m / Revenue TTM 234.0m)
Net Margin = 3.40% (Net Income TTM 7.96m / Revenue TTM 234.0m)
Gross Margin = 27.24% ((Revenue TTM 234.0m - Cost of Revenue TTM 170.2m) / Revenue TTM)
Gross Margin QoQ = 32.84% (prev 27.81%)
Tobins Q-Ratio = 0.34 (Enterprise Value 127.1m / Total Assets 370.9m)
Interest Expense / Debt = 0.59% (Interest Expense 66.0k / Debt 11.1m)
Taxrate = 6.14% (1.03m / 16.7m)
NOPAT = 40.6m (EBIT 43.3m * (1 - 6.14%))
Current Ratio = 68.07 (Total Current Assets 224.1m / Total Current Liabilities 3.29m)
Debt / Equity = 0.13 (Debt 11.1m / totalStockholderEquity, last quarter 83.1m)
Debt / EBITDA = -2.35 (Net Debt -144.8m / EBITDA 61.7m)
Debt / FCF = -3.14 (Net Debt -144.8m / FCF TTM 46.1m)
Total Stockholder Equity = 79.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.29% (Net Income 7.96m / Total Assets 370.9m)
RoE = 10.07% (Net Income TTM 7.96m / Total Stockholder Equity 79.1m)
RoCE = 53.38% (EBIT 43.3m / Capital Employed (Equity 79.1m + L.T.Debt 2.04m))
RoIC = 48.45% (NOPAT 40.6m / Invested Capital 83.9m)
WACC = 5.87% (E(271.9m)/V(283.0m) * Re(6.09%) + D(11.1m)/V(283.0m) * Rd(0.59%) * (1-Tc(0.06)))
Discount Rate = 6.09% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: 100.0 | Cagr: 106.8%
[DCF] Terminal Value 86.88% ; FCFF base≈33.8m ; Y1≈35.8m ; Y5≈42.5m
[DCF] Fair Price = 93.11 (EV 1.25b - Net Debt -144.8m = Equity 1.40b / Shares 15.0m; r=6.0% [WACC]; 5y FCF grow 6.32% → 3.0% )
EPS Correlation: -25.36 | EPS CAGR: 40.38% | SUE: 0.02 | # QB: 0
Revenue Correlation: 89.22 | Revenue CAGR: 19.05% | SUE: 3.03 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.24 | Chg7d=+0.000 | Chg30d=+0.006 | Revisions Net=+1 | Analysts=7
EPS current Year (2026-12-31): EPS=0.93 | Chg7d=+0.000 | Chg30d=-0.003 | Revisions Net=+3 | Growth EPS=+5.8% | Growth Revenue=+20.4%
EPS next Year (2027-12-31): EPS=1.05 | Chg7d=+0.000 | Chg30d=-0.009 | Revisions Net=+2 | Growth EPS=+13.3% | Growth Revenue=+16.2%
[Analyst] Revisions Ratio: +0.33 (2 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 5.0% (Discount Rate 7.9% - Earnings Yield 2.9%)
[Growth] Growth Spread = +17.7% (Analyst 22.7% - Implied 5.0%)
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