TWFG
TWFG, Inc. Common Stock
TWFG's fundamentals are strong: revenue grew 36% and its operating margin rose 5 points to 17%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
TWFG Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
TWFG's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like TWFG.
TWFG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 23x | $26.72 | — |
| Cheap | 34x | $20.20 | -24% |
| Fair | 41x | $23.99 | -10% |
| Current | 45x | $26.72 | — |
| Expensive | 47x | $27.74 | +3.8% |
Historical ranges are pointers, not guarantees.
TWFG's PE is 45x, but its earnings don't support one, so it isn't a reliable read right now.
TWFG Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Stable | |
| Limited | |
| Low |
Analysts expect strong earnings and revenue growth for TWFG, with profitability holding steady. However, they disagree widely on these estimates.
TWFG Earnings Per Share
TWFG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $79.9M | +25% |
| Q2 2026 | $87.5M | +45% |
| Q1 2026 | $72.8M | +35% |
| Q4 2025 | $70.3M | +42% |
| Q3 2025 | $64.1M | +17% |
| Q2 2025 | $60.3M | +13% |
| Q1 2025 | $53.8M | +20% |
| Q4 2024 | $49.5M | +30% |
TWFG's revenue has grown year over year every quarter since early 2024: $80M last quarter, up 25% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 11% | -2.8 points |
| Q2 2026 | 20% | +7.9 points |
| Q1 2026 | 17% | +6.3 points |
| Q4 2025 | 21% | +11 points |
| Q3 2025 | 14% | -0.1 points |
| Q2 2025 | 12% | -2.4 points |
| Q1 2025 | 11% | -5.7 points |
| Q4 2024 | 10% | +7.3 points |
TWFG's operating margin was 11% last quarter, down 2.8 points from the same quarter a year ago.
TWFG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $10.4M | -30% |
| Q2 2026 | $9.3M | -2.7% |
| Q1 2026 | $22.4M | +43% |
| Q4 2025 | $13.1M | +50% |
| Q3 2025 | $14.9M | +30% |
| Q1 2025 | $15.6M | +$26.9M |
| Q4 2024 | $8.7M | +$11.7M |
| Q3 2024 | $11.5M | +73% |
TWFG's free cash flow was $55M over the past year, up 13% from the year before. Free cash flow isn't a meaningful measure for financial services companies like TWFG.
TWFG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -98.7K shares |
| 1 year | -14% | -2.1M shares |
TWFG has 13M diluted shares, down 14% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $26.3M |
| Q1 2026 | $16.6M |
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
TWFG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.9x | Net Cash |
| Q2 2026 | -0.9x | Net Cash |
| Q1 2026 | -1.9x | Net Cash |
| Q4 2025 | -2.8x | Net Cash |
| Q3 2025 | -3.4x | Net Cash |
| Q2 2025 | -3.9x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
TWFG has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like TWFG.
TWFG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.4 | Neutral |
| Stochastic | 50.3 | Neutral |
TWFG's weekly RSI is 53 (neutral) and its Stochastic is 50 (neutral).
TWFG PE vs Financial Services Sector
| Metric | TWFG | Sector median | Relative |
|---|---|---|---|
| PE | 45x | 13x | 248% above |
| PE % | 70 | 22 | 48 pts above |
TWFG is trading at 45x earnings, a 248% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
TWFG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $26.1 | 2.3% above |
| 20 week MA | $26.9 | 0.5% below |
| 50 week MA | $24.0 | 12% above |
| 100 week MA | $26.9 | 0.8% below |
TWFG's trend is mixed: it's above two of its four weekly moving averages, and 0.8% below its 100-week average.
TWFG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2024 | $22.6 | $28.9 | +28% |
| 2025 | $28.9 | $29.1 | +0.7% |
| 2026 YTD | $29.1 | $26.7 | -8.2% |
TWFG has finished every year since 2024 higher, and it's down 8.2% so far in 2026.