TWFG Inc - Class A TWFG Stock Analysis
- Nasdaq
- Stock
- Market closed · opens Monday 9:30 AM ET
$28.11 down $0.85, 2.94% at close Nov 6
Last close · Previous close $28.96
- Market cap
- At the Nov 6 close
- P/E ratio
- 46.85On last 12 months’ EPS
- Diluted EPS
- $0.60Last 12 months
- Dividend yield
- NoneLast 12 months
Price chart
$28.11down $0.85, 2.94%Fri, Nov 6 session
Use the left and right arrow keys to move along the chart.
Price data
Trading
- Previous close$28.96Nov 5
- Volume130.94KNov 6 session
Shares traded on all US exchanges in the last completed session. Live intraday volume covers IEX only, so it is left out.
- Avg. volume192.32KLast 21 sessions
The average daily shares traded over the last 21 trading sessions, about one calendar month.
- 52-week range: $16.56 to $31.42; now $28.11
The lowest and highest trades over the past 52 weeks, adjusted for splits. The marker shows the latest price.
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
Performance
Past performance, measured to the Nov 6 close. Total return includes reinvested dividends.Price change only, without dividends. Compared with the S&P 500, using SPY.
TWFG beat the S&P 500 in 3 of 4 periods.
| Period | TWFG and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | TWFG: up 12.4% S&P 500: down 5.6% | TWFG beat the S&P 500 by 18.0 percentage points Beat |
| 3M | TWFG: down 1.6% S&P 500: down 4.1% | TWFG beat the S&P 500 by 2.5 percentage points Beat |
| YTD | TWFG: down 2.3% S&P 500: up 8.7% | TWFG trailed the S&P 500 by 11.0 percentage points Trailed |
| 1Y | TWFG: up 13.6% S&P 500: up 10.9% | TWFG beat the S&P 500 by 2.7 percentage points Beat |
$10,000 invested in TWFG a year ago (Nov 6, 2025) would be worth about $11,358 at the close on , with dividends reinvested. The same amount in the S&P 500 would be worth about $11,088.
TWFG beat the S&P 500 in 3 of 4 periods.
| Period | TWFG and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | TWFG: up 12.4% S&P 500: down 5.6% | TWFG beat the S&P 500 by 18.0 percentage points Beat |
| 3M | TWFG: down 1.6% S&P 500: down 4.3% | TWFG beat the S&P 500 by 2.7 percentage points Beat |
| YTD | TWFG: down 2.3% S&P 500: up 7.8% | TWFG trailed the S&P 500 by 10.1 percentage points Trailed |
| 1Y | TWFG: up 13.6% S&P 500: up 9.7% | TWFG beat the S&P 500 by 3.9 percentage points Beat |
$10,000 invested in TWFG a year ago (Nov 6, 2025) would be worth about $11,358 at the close on , not counting dividends. The same amount in the S&P 500 would be worth about $10,969.
All-time high
$36.04
Closing high on . Now 22.0% below that record.
Split-adjusted daily closes since Jul 18, 2024.
Stock splits
TWFG hasn’t split since its price history begins in 2024.
Valuation
Financials
Reported results, not forecasts. From company filings via Tiingo; the latest report is Q2 FY26, the quarter ended Jun 30, 2026. “Last 12 months” means the four quarters from Jul 1, 2025 to Jun 30, 2026, and balance-sheet figures are as of Jun 30, 2026.
Revenue and net income
Last 12 months, with the change from the 12 months before
- Revenue
- $294.73Mup 34.7%
- Net income
- $8.80Mup 45.6%
- Diluted EPS
- $0.60up 46.3%
Data table
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| Q3 FY24 (Sep 30, 2024) | $52.86M | $1.15M | $0.08 |
| Q4 FY24 (Dec 31, 2024) | $51.74M | $1.59M | $0.11 |
| Q1 FY25 (Mar 31, 2025) | $53.82M | $1.34M | $0.09 |
| Q2 FY25 (Jun 30, 2025) | $60.31M | $1.96M | $0.13 |
| Q3 FY25 (Sep 30, 2025) | $64.12M | $1.72M | $0.11 |
| Q4 FY25 (Dec 31, 2025) | $70.26M | $2.95M | $0.19 |
| Q1 FY26 (Mar 31, 2026) | $72.84M | $1.76M | $0.12 |
| Q2 FY26 (Jun 30, 2026) | $87.51M | $2.37M | $0.18 |
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| FY22 (Dec 31, 2022) | $153.88M | $0.00 | $32.63 |
| FY23 (Dec 31, 2023) | $172.04M | $0.00 | $41.31 |
| FY24 (Dec 31, 2024) | $203.76M | $2.75M | $0.19 |
| FY25 (Dec 31, 2025) | $248.51M | $7.96M | $0.53 |
Margins
- Gross 50.1%
- Operating 18.3%
- Net 3.0%
The percentages above the chart cover the last 12 months; the lines show each quarter. What margins tell you
Cash flow
- $59.73MLast 12 months
Cash from operations minus capital spending: the cash left after the business maintains and grows its assets.
FCF = Operating cash flow − Capital spendingFree cash flow - Operating cash flow$60.78MLast 12 months
- Capital spending$1.05MLast 12 months
- 20.3%Last 12 months
Free cash flow as a share of revenue, both over the last 12 months.
Shareholder returns
- $42.86MLast 12 months
Cash spent repurchasing shares, net of shares issued. Buybacks shrink the share count, so each remaining share owns more of the company.
- Dividends paid$21.16MLast 12 months
- Total returned$64.02MLast 12 months
107% of free cash flow
Balance sheet
- $92.75MAs of Jun 30, 2026
Cash plus short- and long-term marketable securities on the Jun 30, 2026 balance sheet.
- Total debt$7.64MAs of Jun 30, 2026
- Net cash$85.11MAs of Jun 30, 2026
- 2.56As of Jun 30, 2026
Current assets divided by current liabilities on the Jun 30, 2026 balance sheet. Above 1 means short-term assets cover the bills due within a year.
Current ratio = Current assets ÷ Current liabilitiesCurrent ratio - 0.17As of Jun 30, 2026
Total debt divided by shareholders’ equity on the Jun 30, 2026 balance sheet: a measure of financial leverage.
D/E = Total debt ÷ Shareholders’ equityDebt-to-equity ratio
Financial strength
- 6 of 9Last 12 months
vs the 12 beforeA 0–9 checklist from accounting professor Joseph Piotroski. Each test compares the last 12 months with the 12 months before and scores a point if it passes. 8–9 is strong; 0–2 is weak.
- ✓Net income was positive: passed
- ✓Operating cash flow was positive: passed
- ✗Return on assets improved: not passed
- ✓Operating cash flow exceeded net income: passed
- ✓Long-term debt fell relative to assets: passed
- ✗Current ratio improved: not passed
- ✓Share count didn’t rise: passed
- ✓Gross margin improved: passed
- ✗Asset turnover (revenue ÷ assets) improved: not passed
- 12.7%Last 12 months
Over the last 12 months, TWFG’s net income was 12.7% of its shareholders’ equity (averaged over the last four quarter-ends). It describes the past year, not an expected return.
ROE = Net income (last 12 months) ÷ Average equityReturn on equity - 2.4%Last 12 months
Over the last 12 months, TWFG’s net income was 2.4% of its total assets (averaged over the last four quarter-ends): what the business earned on everything it owns.
ROA = Net income (last 12 months) ÷ Average total assets
About TWFG Inc - Class A
TWFG Inc - Class A
- Sector
- Financial Services
- Industry
- Insurance Brokers
- Headquarters
- Texas, USA
- SEC filings
- EDGAR (opens in a new tab)
- Exchange
- Nasdaq
- Asset type
- Common stock
- Price history since
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TWFG stock FAQ
What is TWFG stock’s price today?
TWFG (TWFG) traded at $28.11 at the close on , down $0.85 (2.94%) from the previous close of $28.96. Over the past 52 weeks it has traded between $16.56 and $31.42.
What is TWFG’s P/E ratio?
TWFG trades at 46.9 times its diluted earnings over the four quarters to ($0.60 per share), at the close. (How the P/E ratio works.)
How much revenue does TWFG make?
TWFG reported $294.7 million of revenue over the four quarters to , up 34.7% from the twelve months before. In its latest quarter (Q2 FY26, ended ) revenue was $87.5 million, up 45.1% from a year earlier.
Is TWFG profitable?
Yes. TWFG earned $8.8 million of net income over the four quarters to , a net margin of 3.0%, and its operating margin was 18.3% (what margins tell you).
What are TWFG’s earnings per share?
TWFG’s diluted earnings per share were $0.60 over the four quarters to , compared with $0.41 in the twelve months before. The latest quarter (Q2 FY26) brought $0.18 per share, against $0.13 a year earlier (how EPS works).
Does TWFG pay a dividend?
TWFG hasn’t paid a dividend in the last twelve months.
What is TWFG’s 52-week high and low?
Over the past 52 weeks TWFG has traded as low as $16.56 and as high as $31.42. At $28.11 at the close on , it is 10.5% below that high and 69.7% above the low.
What is TWFG’s all-time high?
TWFG’s highest closing price was $36.04 on , adjusted for stock splits. At $28.11 at the close on , it is 22.0% below that record.
Has TWFG stock ever split?
No. TWFG hasn’t split since its price history begins in 2024.
How has TWFG stock performed?
Including dividends and measured to the close on , TWFG has returned −2.3% so far this year and +13.6% over the past year. Over the same periods the S&P 500, measured by SPY, returned +8.7% and +10.9%. Past performance doesn’t predict future returns.
What sector and industry is TWFG in?
TWFG is in the Financial Services sector and the Insurance Brokers industry, and is headquartered in Texas, USA.
What exchange does TWFG trade on?
TWFG trades on the Nasdaq under the ticker symbol TWFG. Its price history on this dashboard begins on .
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
About this data. Data sourced by Tiingo (opens in a new tab). The live price is Tiingo’s real-time price, based on IEX trades and quotes; intraday charts show IEX trades, and volume figures are consolidated totals for completed sessions. Prices are split-adjusted, and total returns assume dividends are reinvested. Financials come from company filings and can lag new reports. Times are Eastern.
This page is for education, not investment advice. Past performance doesn't predict future returns. Logos provided by Logo.dev (opens in a new tab).
The Interactive Brokers word and logo are trademarks of Interactive Brokers LLC (or its subsidiaries) in the US and/or elsewhere. All rights reserved.