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Company Analysis

TWFG, Inc. TWFG

A comprehensive view of key metrics, scores, and financial health for TWFG, Inc.

Overview of TWFG, Inc.

TWFG NMS
Financial Services Insurance Brokers Small Cap
TWFG, Inc. (TWFG), is a Small Cap company, in the Insurance Brokers industry, last closed at $19.73, about 72.4% overvalued vs fair value, -37.2% 1Y return, placing in the top 10% of its sector.
Metrics Rev Growth 29.8% ROE 9.8% Gross Margin 111.3%
$19.73
0.86%
As of April 28, 2026
Previous close • Vol 90d: 50.6%
52-Week Range
Market Cap
$1.11B
Enterprise Value
$959.06M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Fair
Completeness: 82%
Confidence: 86%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.twfg.com
HQ The Woodlands, TX
Employees 293
Fiscal year Dec 31

Next Events

Earnings May 5 Estimated

Fair Value Snapshot

Bear Base Bull
$3
$5
$10
Current: $19.73 -72% vs base

Engine Room Money Flow™

Small Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$251.5M
29.8%%
Claims & Losses
$-28.3M
-119.3%%
Acquisition & Admin Expenses
$-16.7M
Underwriting Result
$35.6M
85.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
11.3%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$9.3M
121.3% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
2
Active Leaks
1/2
Improving
0
High Impact
0
Critical
Locked Leak
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Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating TWFG, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
69
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Strong
77
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 95% Coverage
Trade-Off Triangle Visualization A ternary plot showing TWFG's balance between Growth (44.9%), Profitability (25.7%), and Safety (29.4%). Growth 45% Safety 29% Profitability 26%

Click axes to expand details. Marker shows current allocation.

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Growth

86th percentile vs peers
86
Key Signals
Rev Growth YoY 29.8% 85p Revenue CAGR 3Y 19.4% 80p Equity Growth YoY 1.38 95p Asset Growth YoY 14.7% 80p
Strengths
  • Growth performance in top 20% of peers (percentile: 86)
  • Rev Growth YoY in top 20% of peers (29.8%, 85th percentile)
  • Revenue CAGR 3Y in top 20% of peers (19.4%, 80th percentile)
  • Equity Growth YoY in top 20% of peers (1.38, 95th percentile)
  • Interest Coverage (EBITDA) in top 20% of peers (397.77, 94th percentile)
Risks

No significant risks identified for this axis.

Profitability

49th percentile vs peers
50
Key Signals
Strengths
Risks
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Safety

56th percentile vs peers
57
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for TWFG, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$5.44
- - -
-72.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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