TWFG (TWFG) Panoramica del titolo
TWFG, Inc. gestisce una piattaforma di distribuzione indipendente di prodotti assicurativi personali e commerciali negli Stati Uniti. Maggiori dettagli
| Punteggio fiocco di neve | |
|---|---|
| Valutazione | 0/6 |
| Crescita futura | 5/6 |
| Prestazioni passate | 4/6 |
| Salute finanziaria | 5/6 |
| Dividendi | 0/6 |
TWFG Community Fair Values
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Analyst Price Targets
Concorrenti di TWFG, Inc.
Storia dei prezzi e prestazioni
| Prezzi storici delle azioni | |
|---|---|
| Prezzo attuale dell'azione | US$25.95 |
| Massimo di 52 settimane | US$34.09 |
| Minimo di 52 settimane | US$16.56 |
| Beta | 0 |
| Variazione di 1 mese | 18.76% |
| Variazione a 3 mesi | 44.81% |
| Variazione di 1 anno | -20.62% |
| Variazione a 3 anni | n/a |
| Variazione a 5 anni | n/a |
| Variazione dall'IPO | 17.90% |
Notizie e aggiornamenti recenti
Aggiornamento della narrazione • Jul 06
TWFG: Cautious Multiple Reset Will Meet Stronger Margins And Confirmed 2026 Outlook
Analysts have reduced the TWFG fair value estimate from $39.00 to $27.00, citing lower price targets across the Street, a higher discount rate, more cautious revenue growth assumptions, and a smaller future P/E multiple, partly offset by updated profit margin expectations. Analyst Commentary Street research on TWFG has leaned more cautious on valuation, but the tone is not uniformly negative.
Aggiornamento della narrazione • Jun 22
TWFG: AI Disintermediation And Organic Slowdown Risks Temper Fairly Balanced Outlook
Analysts have trimmed their average price target on TWFG to about $23.57 from $24.29, reflecting slightly lower valuation multiples as they factor in concerns about AI disintermediation and a potential stepdown in organic growth later this year. Analyst Commentary Recent Street research on TWFG highlights a mixed read, with several firms cutting price targets and pointing to both company specific issues and broader property and casualty insurance trends following the Q1 reporting season.Aggiornamento della narrazione • Jun 07
TWFG: AI Disintermediation Concerns Will Eventually Reset Earnings Multiple Higher
TWFG's updated analyst price target moves down by about $1.40 as analysts factor in ongoing concerns around AI disintermediation, a potential stepdown in organic growth, and recalibrated sector multiples following recent Q1 results. Analyst Commentary Recent Street research on TWFG reflects a more cautious tone, with several firms trimming price targets after the Q1 earnings season and reassessing how AI, organic growth trends, and sector-wide premium patterns could affect the stock's risk and reward balance.Recent updates
Aggiornamento della narrazione • Jul 06
TWFG: Cautious Multiple Reset Will Meet Stronger Margins And Confirmed 2026 Outlook
Analysts have reduced the TWFG fair value estimate from $39.00 to $27.00, citing lower price targets across the Street, a higher discount rate, more cautious revenue growth assumptions, and a smaller future P/E multiple, partly offset by updated profit margin expectations. Analyst Commentary Street research on TWFG has leaned more cautious on valuation, but the tone is not uniformly negative.Aggiornamento della narrazione • Jun 22
TWFG: AI Disintermediation And Organic Slowdown Risks Temper Fairly Balanced Outlook
Analysts have trimmed their average price target on TWFG to about $23.57 from $24.29, reflecting slightly lower valuation multiples as they factor in concerns about AI disintermediation and a potential stepdown in organic growth later this year. Analyst Commentary Recent Street research on TWFG highlights a mixed read, with several firms cutting price targets and pointing to both company specific issues and broader property and casualty insurance trends following the Q1 reporting season.Aggiornamento della narrazione • Jun 07
TWFG: AI Disintermediation Concerns Will Eventually Reset Earnings Multiple Higher
TWFG's updated analyst price target moves down by about $1.40 as analysts factor in ongoing concerns around AI disintermediation, a potential stepdown in organic growth, and recalibrated sector multiples following recent Q1 results. Analyst Commentary Recent Street research on TWFG reflects a more cautious tone, with several firms trimming price targets after the Q1 earnings season and reassessing how AI, organic growth trends, and sector-wide premium patterns could affect the stock's risk and reward balance.Articolo di analisi • May 11
TWFG, Inc. Just Beat EPS By 37%: Here's What Analysts Think Will Happen Next
A week ago, TWFG, Inc. ( NASDAQ:TWFG ) came out with a strong set of quarterly numbers that could potentially lead to a...Aggiornamento della narrazione • Apr 24
TWFG: Organic Execution And AI Adoption Will Support Future Earnings Repricing
Narrative Update on TWFG TWFG's consensus analyst price target has been reduced by several dollars, reflecting analysts' updated models following recent earnings, revised sector assumptions, and mixed reactions to earlier target cuts and raises across major firms. Analyst Commentary Recent research on TWFG clusters around a reset in expectations, with multiple firms trimming price targets while still highlighting a mix of execution strengths and valuation concerns.Aggiornamento della narrazione • Apr 09
TWFG: Organic Execution And AI Adoption Will Drive Future Earnings Repricing
Analysts have trimmed their TWFG price targets by $3 overall, reflecting updated assumptions for fair value, profit margins, and future P/E, even as revenue growth estimates are adjusted in their models. Analyst Commentary Recent Street research on TWFG shows a cluster of price target revisions, with most firms trimming their targets by a few dollars while keeping existing ratings in place.
Nuova narrazione • Apr 06
AI And Softening Insurance Pricing Will Pressure Margins Yet Longer Term Upside Remains
Catalysts About TWFG TWFG provides insurance distribution and related services through retail agencies and managing general agent platforms across personal, commercial and specialty lines. What are the underlying business or industry changes driving this perspective?Aggiornamento della narrazione • Mar 25
TWFG: Organic Execution And AI Adoption Will Support Future Repricing Potential
Narrative Update on TWFG Analyst Price Target The consolidated analyst price target for TWFG has been adjusted to $28, reflecting a series of recent target revisions. These include cuts from $39 to $34 and from $31 to $28, alongside one increase from $22 to $24, as analysts update their models for Q4 results, management guidance, and views on organic growth, margins, and AI commentary.Aggiornamento della narrazione • Mar 11
TWFG: Personal Lines Focus And AI Adoption Will Support Future Repricing Potential
The analyst fair value estimate for TWFG has been reduced from $31.57 to $28.00, reflecting recent cuts to Street price targets and updates to models following Q4 results and management guidance. Analyst Commentary Street research on TWFG has been mixed, with several firms revising price targets after Q4 results and management guidance.Nuova narrazione • Feb 24
Returning Carrier Appetite And High Retention Will Support A Stronger TWFG Earnings Profile
Catalysts About TWFG TWFG operates an independent, agent centric insurance distribution platform across retail agencies and MGA programs in the United States. What are the underlying business or industry changes driving this perspective?Aggiornamento della narrazione • Feb 24
TWFG: Personal Lines Focus And Management Will Support Future Repricing Potential
Analysts have trimmed their fair value estimate for TWFG to about $31.57 from $33, reflecting reduced Street price targets, including Piper Sandler's cut to $22 from $32, as they factor in the recent selloff and a more cautious stance on insurance brokers. Analyst Commentary Recent Street commentary around TWFG centers on the reset in price targets following the sector selloff and a more guarded view on insurance brokers in general.Articolo di analisi • Feb 11
Not Many Are Piling Into TWFG, Inc. (NASDAQ:TWFG) Just Yet
It's not a stretch to say that TWFG, Inc.'s ( NASDAQ:TWFG ) price-to-sales (or "P/S") ratio of 1.5x right now seems...Aggiornamento della narrazione • Feb 08
TWFG: Personal Lines Focus And Management Strength Will Drive Future Upside
Narrative Update on TWFG The analyst price target for TWFG has shifted to a clustered range around $31 to $33, reflecting updated sector models and a continued focus on the company’s long term growth potential in Personal Lines brokerage. This comes even as analysts highlight softening property and casualty conditions and emerging earnings headwinds into 2026.Aggiornamento della narrazione • Jan 24
TWFG: Personal Lines Positioning And Management Quality Will Support Future Upside
Narrative Update Analysts now peg TWFG's price target at US$33. Recent research highlights expectations for steady revenue growth, modest adjustments to profit margins, and supportive views on its role in the Personal Lines brokerage space.Aggiornamento della narrazione • Jan 08
TWFG: Personal Lines Focus And Management Discipline Will Support Future Returns
Narrative Update on TWFG Analysts have kept their TWFG price target unchanged at US$33, reflecting expectations for steady fair value alongside modest tweaks to growth, margin, and P/E assumptions, supported by recent research that highlights both emerging P&C headwinds and a constructive view on the company’s long term personal lines brokerage opportunity and management quality. Analyst Commentary Recent research updates give you a mixed but useful read on how the Street is thinking about TWFG, with price targets clustering around the low US$30s and views shaped by both company specific strengths and property and casualty (P&C) cycle risks.Aggiornamento della narrazione • Dec 24
TWFG: Personal Lines And Management Quality Will Support Returns Through Softer Cycle
Analysts have nudged our TWFG price target higher to $33 from $31, reflecting expectations for resilient long term growth, steady ROE and book value expansion, even as a softening P&C cycle and emerging earnings headwinds temper sector wide optimism. Analyst Commentary Street research on TWFG reflects a balanced mix of optimism on the company specific growth story and caution around the broader property and casualty backdrop, with recent price target moves clustering in the low to mid 30 dollar range.Seeking Alpha • Dec 10
TWFG: A Growing Insurance 'Middle Man'
Summary TWFG (TWFG) is a fast-growing insurance intermediary, achieving 15% annual revenue growth and EBITDA margins above 23%. The company leverages demographic shifts and agency acquisitions for inorganic growth, with a large addressable market but intensifying competition. TWFG’s 2024 IPO provides capital for 2-3 years of acquisitions, but inorganic growth is constrained without further funding. I see TWFG as fully valued relative to peers, with margin headwinds from a softening P&C market; I rate it a Hold. Read the full article on Seeking AlphaAggiornamento della narrazione • Dec 10
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.Aggiornamento della narrazione • Nov 26
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.Aggiornamento della narrazione • Nov 07
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.Aggiornamento della narrazione • Oct 24
Branch Expansion And AI Tools Will Steady Market Position Amid Industry Headwinds
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.Aggiornamento della narrazione • Oct 09
Branch Expansion And AI Tools Will Broaden US Market Reach
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.Aggiornamento della narrazione • Sep 05
Branch Expansion And AI Tools Will Broaden US Market Reach
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.Articolo di analisi • Aug 16
Results: TWFG, Inc. Beat Earnings Expectations And Analysts Now Have New Forecasts
NasdaqGS:TWFG 1 Year Share Price vs Fair Value Explore TWFG's Fair Values from the Community and select yours...Nuova narrazione • Jul 20
Branch Network Expansion And Digital Transformation Will Open New Markets
Expanding branch network, technology investments, and digital transformation are driving market penetration, revenue growth, efficiency, and higher margins.Articolo di analisi • May 16
Earnings Beat: TWFG, Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Models
It's been a good week for TWFG, Inc. ( NASDAQ:TWFG ) shareholders, because the company has just released its latest...Seeking Alpha • Oct 28
TWFG, Inc.: A Significant Skin-In-The-Game Opportunity
Summary TWFG, Inc., a Texas-based insurance broker, supports independent agents with a turnkey solution, offering carrier relationships, technology, training, and branding. The U.S. P&C market is over $850 billion, with independent agents gaining market share from captive agents, especially in homeowners' insurance. Founded by Gordy Bunch, TWFG has scaled to over $1 billion in premiums, with a presence in 40+ states and 400+ branded agencies. TWFG's capital-light model, attractive 80/20 commission split, and opportunities for accretive M&A make it a compelling investment with significant growth potential. Read the full article on Seeking AlphaRendimenti per gli azionisti
| TWFG | US Insurance | US Mercato | |
|---|---|---|---|
| 7D | 0.6% | -0.7% | 0.7% |
| 1Y | -20.6% | 5.9% | 20.6% |
Ritorno vs Industria: TWFG ha avuto una performance inferiore rispetto al US Insurance che ha registrato un rendimento 5.9 % nell'ultimo anno.
Rendimento vs Mercato: TWFG ha avuto una performance inferiore al mercato US che ha registrato un rendimento 20.6 % nell'ultimo anno.
Volatilità dei prezzi
| TWFG volatility | |
|---|---|
| TWFG Average Weekly Movement | 6.3% |
| Insurance Industry Average Movement | 4.3% |
| Market Average Movement | 7.3% |
| 10% most volatile stocks in US Market | 16.6% |
| 10% least volatile stocks in US Market | 3.2% |
Prezzo delle azioni stabile: TWFG non ha avuto una volatilità dei prezzi significativa negli ultimi 3 mesi rispetto al mercato US.
Volatilità nel tempo: La volatilità settimanale ( 6% ) di TWFG è rimasta stabile nell'ultimo anno.
Informazioni sull'azienda
| Fondato | I dipendenti | AMMINISTRATORE DELEGATO | Sito web |
|---|---|---|---|
| 2001 | 400 | Gordy Bunch | www.twfg.com |
TWFG, Inc. gestisce una piattaforma di distribuzione indipendente di prodotti assicurativi personali e commerciali negli Stati Uniti. L'azienda offre prodotti assicurativi per auto, casa, affitti, vita, salute, moto, ombrelli, barche, veicoli da diporto, alluvioni, vento, eventi, oggetti di lusso, responsabilità civile generale, proprietà, auto aziendale, risarcimento dei lavoratori, polizze per i proprietari di aziende e responsabilità civile professionale, oltre a obbligazioni commerciali e benefit di gruppo. TWFG, Inc. è stata fondata nel 2001 e ha sede a The Woodlands, in Texas.
TWFG, Inc. Riepilogo dei fondamenti
| TWFG statistiche fondamentali | |
|---|---|
| Capitalizzazione di mercato | US$1.41b |
| Utili (TTM) | US$8.38m |
| Ricavi(TTM) | US$267.53m |
40.2x
Rapporto P/E1.3x
Rapporto P/STWFG è sopravvalutato?
Vedi Fair Value e analisi di valutazioneUtili e ricavi
| TWFG Conto economico (TTM) | |
|---|---|
| Ricavi | US$267.53m |
| Costo del fatturato | US$39.34m |
| Profitto lordo | US$228.19m |
| Altre spese | US$219.81m |
| Utili | US$8.38m |
Ultimi utili riportati
Mar 31, 2026
Prossima data di guadagno
n/a
| Utile per azione (EPS) | 0.64 |
| Margine lordo | 85.29% |
| Margine di profitto netto | 3.13% |
| Rapporto debito/patrimonio netto | 1.5% |
Come si è comportato TWFG nel lungo periodo?
Vedi performance storica e confrontoAnalisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/07/10 17:28 |
| Prezzo dell'azione a fine giornata | 2026/07/10 00:00 |
| Utili | 2026/03/31 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
|
|
| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
| |
| Sviluppi principali | 10 anni |
|
* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; disponiamo inoltre di guide su come utilizzare i nostri report e di tutorial su Youtube.
Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
TWFG, Inc. è coperta da 12 analisti. 8 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| Michael Zaremski | BMO Capital Markets Equity Research |
| null null | BMO Capital Markets Equity Research |
| Jamminder Bhullar | J.P. Morgan |