TWFG, Inc. Common Stock (TWFG) Stock Price

TWFGStock

$25.37−1.40%52W

Market Cap$326.77M

P/E172.21x

PEG Ratio—

Div yield—

Beta0.55

TWFG Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)30.49%

Price vs S&P 500 (4W)-0.04%

VGM Score54.65

P/E Ratio (Annual)172.21x

P/CF (Annual)25.63x

Book Value / Share (Quarterly)$3.61

P/TBV (Annual)503.54x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)17.31%

Cash Flow / Share (Quarterly)$-0.64

Price vs S&P 500 (YTD)-23.74%

Gross Margin (TTM)50.10%

Net Profit Margin (TTM)2.98%

EPS (TTM)$0.61

10-Day Avg Trading Volume0.11M

EPS Excl Extra (TTM)$0.61

EPS (Annual)$0.53

ROI (Annual)9.11%

Gross Margin (Annual)46.27%

Cash / Share (Quarterly)$5.76

P/E Basic Excl Extra (TTM)155.90x

Revenue Growth QoQ (YoY)45.11%

P/E Normalized (Annual)172.21x

ROA (Last FY)2.14%

Revenue Growth TTM (YoY)33.66%

EBITD / Share (TTM)$5.37

Operating Margin (TTM)18.26%

Cash Flow / Share (Annual)$-0.58

P/B Ratio29.71x

P/B Ratio (Quarterly)6.77x

Net Income / Employee (Annual)$30,200

EV / Revenue (TTM)4.41x

Net Interest Coverage (TTM)26.19x

ROA (TTM)2.42%

EPS Growth QoQ (YoY)420.11%

EV / EBITDA (TTM)16.64x

EPS Incl Extra (Annual)$0.53

Current Ratio (Annual)5.12x

Quick Ratio (Quarterly)2.56x

3-Month Avg Trading Volume0.16M

52-Week Price Return-1.40%

EV / Free Cash Flow (Annual)63.41x

P/E Incl Extra (TTM)155.90x

Revenue / Employee (TTM)$1,116,400

Tangible BV / Share (Quarterly)$0.06

P/S Ratio (Annual)5.52x

Asset Turnover (Annual)0.67x

52-Week High$31.30

EPS Excl Extra (Annual)$0.53

26-Week Price Return40.40%

Quick Ratio (Annual)5.12x

13-Week Price Return-3.72%

Total Debt / Equity (Annual)0.05x

Current Ratio (Quarterly)2.56x

Enterprise Value$1.30B

Asset Turnover (TTM)0.81x

Revenue / Employee (Annual)$941,300

Pretax Margin (Annual)17.88%

Cash / Share (Annual)$10.38

3-Month Return Std Dev42.93%

Net Income / Employee (TTM)$33,300

ROE (Last FY)9.55%

Net Interest Coverage (Annual)14.29x

EPS Basic Excl Extra (Annual)$0.53

P/FCF (TTM)77.31x

Receivables Turnover (TTM)24.98x

Total Debt / Equity (Quarterly)0.07x

EPS Incl Extra (TTM)$0.61

Receivables Turnover (Annual)32.47x

ROI (TTM)12.00%

P/S Ratio (TTM)4.65x

Revenue / Share (Annual)$16.46

Tangible BV / Share (Annual)$0.06

Forward P/E20.77x

Price vs S&P 500 (52W)-16.93%

P/E Ratio (TTM)155.90x

EPS Growth TTM (YoY)98.85%

Year-to-Date Return-11.82%

5-Day Price Return3.93%

EPS Normalized (Annual)$0.53

Net Profit Margin (Annual)3.20%

Month-to-Date Return5.66%

EBITD / Share (Annual)$3.66

EPS Growth (3Y)-30.43%

Operating Margin (Annual)14.88%

LT Debt / Equity (Annual)0.02x

P/CF (TTM)22.56x

P/E Excl Extra (TTM)155.90x

LT Debt / Equity (Quarterly)0.02x

EPS Basic Excl Extra (TTM)$0.61

P/TBV (Quarterly)503.54x

P/B Ratio (Annual)19.39x

Pretax Margin (TTM)20.29%

Book Value / Share (Annual)$5.55

Price vs S&P 500 (13W)-6.40%

Beta0.55x

P/FCF (Annual)88.91x

Revenue / Share (TTM)$22.50

ROE (TTM)12.65%

52-Week Low$16.56

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TWFG Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Aug 5, 2026	$0.25	$0.38	+51.43%(+$0.13)
Q1 2026	May 7, 2026	$0.20	$0.29	+43.88%(+$0.09)
Q4 2025	Feb 25, 2026	$0.19	$0.30	+58.29%(+$0.11)
Q3 2025	Nov 12, 2025	$0.19	$0.23	+24.17%(+$0.04)
Q2 2025	Aug 12, 2025	$0.17	$0.20	+16.23%(+$0.03)

TWFG Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

3.87

3.93

Industry Peers — Insurance Agents & Brokers(36)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	Indicated Dividend Yield (Annual)	Operating Margin (TTM)	Price
TWFGTWFG, Inc. Common Stock	F	A	B	6.8x	12.7%	—	18.3%	$25.37
MRSHMarsh	C	C	B	5.6x	27.1%	2.1%	21.4%	$188.35
AJGArthur J. Gallagher & Co.	D	C	B	2.5x	6.7%	0.9%	17.4%	$254.88
AONAon plc Class A	C	C	C	7.4x	42.6%	0.7%	33.4%	$292.55
WTWWillis Towers Watson Public Limited Company Ordinary Shares	C	C	B	3.2x	19.9%	1.3%	22.5%	$315.49
BROBrown & Brown, Inc.	C	B	C	1.7x	9.6%	0.7%	28.7%	$69.40
EQHEquitable Holdings, Inc.	B	D	B	38.3x	-198.2%	3.0%	17.5%	$53.21
ERIEErie Indemnity Co	C	C	C	5.1x	24.5%	1.6%	17.8%	$243.71
RYANRyan Specialty Holdings, Inc.	D	B	C	19.5x	16.3%	1.2%	14.8%	$40.75
ACTEnact Holdings, Inc. Common Stock	C	D	B	1.2x	12.8%	2.3%	73.1%	$46.28
HGTYHagerty, Inc.	D	C	A	13.6x	8.4%	—	6.2%	$15.30
BWINThe Baldwin Insurance Group, Inc. Class A Common Stock	D	C	B	4.3x	-10.6%	—	-7.5%	$31.91
ARXAccelerant Holdings	D	A	A	3.6x	-186.2%	—	-120.3%	$19.75
NPNeptune Insurance Holdings Inc.	F	C	C	1.8x	-2.9%	5.7%	40.7%	$29.36
CRVLCorvel Corp	D	C	B	7.8x	29.9%	—	15.4%	$79.69
LIFEEthos Technologies Inc. Class A Common Stock	D	C	B	2.4x	-25.8%	—	-436.8%	$37.52
GSHDGoosehead Insurance, Inc. Class A Common Stock	F	B	C	90.7x	58.1%	0.0%	23.3%	$46.40
OIGOrion180 Insurance Group Inc. Class A common stock	D	A	F	1.4x	-138.9%	—	-67.9%	$9.58
CRD.ACrawford & Company Class A	B	D	B	2.9x	13.0%	2.7%	3.9%	$12.53
CRD.BCrawford & Company Class B	B	D	B	2.9x	13.0%	2.7%	3.9%	$12.00
YBYuanbao Inc. American Depositary Shares	A	B	D	1.2x	43.5%	—	32.5%	$11.52
WDHWaterdrop Inc. American Depositary Shares (each representing the right to receive 10 Class A Ordinary Shares)	A	C	D	0.4x	10.6%	4.2%	6.7%	$1.01
XHGXChange TEC.INC American Depositary Shares	—	D	C	—	—	—	-18.1%	$2.00
RDZNRoadzen, Inc. Ordinary Shares	C	B	C	118.3x	-20.3%	—	-21.7%	$1.03
AIFUAIFU Inc. Class A Ordinary Share	D	D	F	1.8x	-231.4%	—	-150.8%	$11.11
SLQTSelectQuote, Inc.	A	D	D	0.2x	10.0%	—	4.0%	$0.32
HITHealth In Tech, Inc. Class A Common Stock	C	C	D	3.4x	-20.9%	—	-16.1%	$0.65
EHTHeHealth, Inc.	A	F	F	0.0x	2.9%	—	10.8%	$0.59
HUIZHuize Holding Limited American Depositary Shares	A	B	B	0.2x	6.4%	—	1.4%	$1.73
CCGCheche Group Inc. Class A Ordinary Shares	A	A	D	1.0x	-18.7%	—	-2.6%	$4.80
ZBAOZhibao Technology Inc. Class A Ordinary Shares	A	A	F	10.0x	-297.7%	—	-11.7%	$0.63
EZRAReliance Global Group, Inc. Common Stock	—	F	D	0.3x	-88.1%	0.0%	-46.3%	$2.28
BMBBamboo Insurance Services, Inc.	—	—	—	—	—	—	—	$0.00
CCGWWCheche Group Inc. Warrant	—	—	C	—	—	—	—	$0.01
CRDCorgi CRDO 2x Daily ETF	—	—	F	—	—	—	—	$9.51
GOCOGoHealth, Inc. Class A Common Stock	B	F	D	0.7x	-220.7%	—	-298.5%	$0.00
RDZNWRoadzen, Inc. Warrants	—	—	F	—	—	—	—	$0.07

About TWFG, Inc. Common Stock

TWFG Inc is an independent insurance distribution platform serving the U.S. personal and commercial insurance markets. The company provides agents with comprehensive distribution options, proprietary technology and premium financing, M&A services, and operational support to enhance profitability. TWFG's integrated platform and cost-efficient structure position it as a competitive choice for insurance agents seeking independence.