TWFG, Inc.

Report azionario NasdaqGS:TWFG

Capitalizzazione di mercato: US$1.1b

TWFG Crescita futura

Criteri Future verificati 5/6

TWFG prevede che gli utili e i ricavi cresceranno rispettivamente di 49.2% e 14.1% all'anno. Si prevede che l'EPS crescerà di 9.6% all'anno. Si prevede che il ritorno sul capitale proprio sarà di 37.6% in 3 anni.

Informazioni chiave

49.2%

Tasso di crescita degli utili

9.61%

Tasso di crescita dell'EPS

Insurance crescita degli utili1.6%
Tasso di crescita dei ricavi14.1%
Rendimento futuro del capitale proprio37.62%
Copertura analitica

Good

Ultimo aggiornamento22 Apr 2026

Aggiornamenti recenti sulla crescita futura

Recent updates

Aggiornamento dell'analisi • 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 dell'analisi • 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 analisi • 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 dell'analisi • 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 dell'analisi • 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 analisi • 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 dell'analisi • 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 dell'analisi • 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 dell'analisi • 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 dell'analisi • 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 dell'analisi • 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 Alpha
Aggiornamento dell'analisi • 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 dell'analisi • 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 dell'analisi • 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 dell'analisi • 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 dell'analisi • 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 dell'analisi • 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...
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Nuova analisi • 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 Alpha

Previsioni di crescita degli utili e dei ricavi

NasdaqGS:TWFG - Stime future degli analisti e dati finanziari passati (USD Millions )
DataRicaviUtiliFlusso di cassa liberoLiquidità dell'operazioneAvg. Numero di analisti
12/31/2028373N/AN/AN/A2
12/31/20273452757N/A6
12/31/20262982546N/A7
12/31/20252498-954N/A
9/30/20252307-652N/A
6/30/20252196-249N/A
3/31/2025211-33146N/A
12/31/202420431540N/A
9/30/2024191-20535N/A
6/30/2024186-13031N/A
3/31/2024178-6-530N/A
12/31/2023172-11530N/A
12/31/202215431626N/A

Previsioni di crescita futura degli analisti

Guadagni vs tasso di risparmio: La crescita prevista degli utili di TWFG ( 49.2% all'anno) è superiore al tasso di risparmio ( 3.5% ).

Guadagni vs Mercato: Si prevede che gli utili di TWFG ( 49.2% all'anno) cresceranno più rapidamente del mercato US ( 16.4% all'anno).

Guadagni ad alta crescita: Si prevede che gli utili di TWFG cresceranno in modo significativo nei prossimi 3 anni.

Ricavi vs Mercato: Si prevede che il fatturato di TWFG ( 14.1% all'anno) crescerà più rapidamente del mercato US ( 11.4% all'anno).

Ricavi ad alta crescita: Si prevede che il fatturato di TWFG ( 14.1% all'anno) crescerà più lentamente di 20% all'anno.

Previsioni di crescita dell'utile per azione

Rendimento futuro del capitale proprio

ROE futuro: Si prevede che il Return on Equity di TWFG sarà elevato tra 3 anni ( 37.6 %)

Scoprire le aziende in crescita

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Analisi aziendale e situazione dei dati finanziari

DatiUltimo aggiornamento (ora UTC)
Analisi dell'azienda2026/05/06 20:30
Prezzo dell'azione a fine giornata2026/05/06 00:00
Utili2025/12/31
Utili annuali2025/12/31

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.

PacchettoDatiTempisticaEsempio Fonte USA *
Dati finanziari della società10 anni
  • Conto economico
  • Rendiconto finanziario
  • Bilancio
Stime di consenso degli analisti+3 anni
  • Previsioni finanziarie
  • Obiettivi di prezzo degli analisti
Prezzi di mercato30 anni
  • Prezzi delle azioni
  • Dividendi, scissioni e azioni
Proprietà10 anni
  • Top azionisti
  • Insider trading
Gestione10 anni
  • Team di leadership
  • Consiglio di amministrazione
Sviluppi principali10 anni
  • Annunci aziendali

* 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; abbiamo anche guide su come utilizzare i nostri report e 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 13 analisti. 7 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.

AnalistaIstituzione
Michael ZaremskiBMO Capital Markets Equity Research
null nullBMO Capital Markets Equity Research
Jamminder BhullarJ.P. Morgan