Reading the tape
NASDAQ: TWFG
TWFG, Inc. Common Stock
Financial Services · Insurance - Brokers
Market Cap
$290.66M
52w High
$36.85
52w Low
$16.56
P/E
36.48
Volume
135.98K
Outstanding Shares
15.03M
Price vs Fundamentals
Why The Stock Is Moving
Likely multiple compressionModerate confidence
Note: The most recent financial data is over 3 months old. Metrics shown may not reflect the latest reporting period.
1Y Price: -41.21%Revenue (TTM): 20.77%FCF (TTM): 199.09%
What changed
The stock fell 41.21% over the last year. Revenue grew 20.77% over the trailing twelve months. Operating margin moved from 14.2% to 15.86%. Free cash flow grew 199.09% over the trailing twelve months.
What the market seems to be pricing
Visible fundamentals weakened far less than the stock price. The market appears to be discounting durability, risk, or trust rather than just the latest reported numbers.
What would invalidate this read
This read changes if operating margin (currently 15.86%) continues to decline, or if revenue growth turns negative. The bull case requires the business to hold its current trajectory.
Company profile
TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States.
CEORichard Finley Bunch
SectorFinancial Services
IndustryInsurance - Brokers
Employees293
IPO dateJul 18, 2024
Valuation
Forward P/E—
EV/EBITDA4.55
Enterprise value$287.34M
Price / Book3.50
Stock splits
No stock splits recorded for this ticker.
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Revenue growth34.6%
Gross margin33.38%▲30.84%vs FY2024
Operating margin15.86%▲3.63%vs FY2024
ROE9.58%▲157.95%vs FY2024
Analyst consensus
RatingBuy
Target price$29.25▲51.24%
4
Buy
4
Hold
0
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
May 7, 2026
Q2 FY26 · EPS est $0.20 · Revenue est $67.67M
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