Branch Expansion And AI Tools Will Steady Market Position Amid Industry Headwinds

AN

AnalystConsensusTarget

AnalystConsensusTarget

Not Invested

Based on Analyst Price Targets

Published

20 Jul 25

Updated

10 Dec 25

Views

27

n/a

n/a

AnalystConsensusTarget's Fair Value

n/a

1Y

-2.2%

7D

-1.3%

Loading

1Y

-2.2%

7D

-1.3%

You can edit this narrative until Dec 11 5:05 PM. Then, changes will post as Updates.

Author's Valuation

US$3313.3% undervalued

AnalystConsensusTarget Fair Value

Shared on 10 Dec 25

TWFG: Personal Lines Strength Will Support Returns Through Softening Property And Casualty Cycle

Analysts have nudged their blended price target on TWFG modestly higher to about $33, reflecting expectations for faster top line growth into 2026, even as a softening P&C cycle and emerging earnings headwinds temper profit margin and valuation assumptions. Analyst Commentary Street research points to a balanced but cautiously optimistic view on TWFG, with recent target changes clustering in the low to mid 30s and ratings tilting toward positive but not universally bullish.

Shared on 26 Nov 25

Fair value Increased 1.02%

TWFG: Resilient Earnings Outlook Will Drive Long-Term Strength Amid Softening Cycle

The analyst price target for TWFG has been raised slightly from $32.67 to $33.00 as analysts cite expectations for steady long-term growth, despite emerging headwinds in the property and casualty insurance sector. Analyst Commentary Recent analyst reports on TWFG reveal a mix of optimism and caution as the company navigates the evolving landscape of property and casualty insurance.

Shared on 07 Nov 25

TWFG: Margin Expansion And Strong Cost Management Will Drive Resilience Amid Headwinds

Analysts have modestly reduced their price targets for TWFG, citing sector-wide commercial property and casualty headwinds and a slowdown in organic growth. New targets now range from $30 to $39, down from previous estimates as high as $42.

Shared on 24 Oct 25

Analysts have modestly reduced their price targets for TWFG, with new estimates now ranging from $30 to $39. They cite ongoing headwinds in the property and casualty insurance sector, including slower commercial property pricing and market-wide performance trends.

Shared on 09 Oct 25

Fair value Decreased 5.31%

Analysts have decreased their fair value estimate for TWFG from $34.50 to approximately $32.67, citing sector-wide headwinds in commercial property and casualty pricing along with tempered growth expectations, despite improving margins. Analyst Commentary Recent Street research reveals a cautious but nuanced view of TWFG, as analysts update their expectations in response to sector dynamics and company-specific trends.

Shared on 05 Sep 25

Consensus analyst sentiment on TWFG has turned more cautious amid heightened competition, softer organic growth, and lower management guidance, partially offset by stronger-than-expected margin expansion, resulting in no change to the analyst price target at $34.50. Analyst Commentary Bearish analysts cite increased competition in the personal auto insurance market as a headwind impacting growth prospects for TWFG.

AnalystConsensusTarget Fair Value

US$33

13.3% undervalued

Future estimation in

Growth p.a.

Growth p.a.

%

Decrease

Increase

Current revenue growth rate

19.99%

Insurance revenue growth rate

0.27%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

%

0

Decrease

Increase

Current discount rate

6.96%

Calculation

US$53.30m

Earnings '28

x

11.36x

PE Ratio '28

=

US$605.65m

Market Cap '28

US$605.65m

Market Cap '28

/

15.41m

No. shares '28

=

US$39.31

Share Price '28

US$39.31 Share Price '28

Discounted to 2025 @ 6.96% p.a.

=

US$32.12

Fair Value '25