TWFG バランスシートの健全性
財務の健全性 基準チェック /56
TWFGの総株主資本は$306.4M 、総負債は$4.5Mで、負債比率は1.5%となります。総資産と総負債はそれぞれ$371.2Mと$64.7Mです。 TWFGの EBIT は$43.6Mで、利息カバレッジ比率-7.7です。現金および短期投資は$124.8Mです。
主要情報
1.47%
負債資本比率
US$4.49m
負債
| インタレスト・カバレッジ・レシオ | -7.7x |
| 現金 | US$124.85m |
| エクイティ | US$306.43m |
| 負債合計 | US$64.74m |
| 総資産 | US$371.18m |
財務の健全性に関する最新情報
更新なし
Recent updates
ナラティブの更新 • 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.分析記事 • 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...ナラティブの更新 • 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.ナラティブの更新 • 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.
新しいナラティブ • 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?ナラティブの更新 • 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.ナラティブの更新 • 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.
新しいナラティブ • 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?ナラティブの更新 • 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.分析記事 • 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...ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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.ナラティブの更新 • 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.分析記事 • 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...新しいナラティブ • 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.分析記事 • 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財務状況分析
短期負債: TWFGの 短期資産 ( $201.4M ) が 短期負債 ( $58.9M ) を超えています。
長期負債: TWFGの短期資産 ( $201.4M ) が 長期負債 ( $5.9M ) を上回っています。
デット・ツー・エクイティの歴史と分析
負債レベル: TWFG総負債よりも多くの現金を保有しています。
負債の削減: TWFGの負債対資本比率が過去 5 年間で減少したかどうかを判断するにはデータが不十分です。
債務返済能力: TWFGの負債は 営業キャッシュフロー によって 十分にカバー されています ( 1348.5% )。
インタレストカバレッジ: TWFG支払う利息よりも稼ぐ利息の方が多いので、利息支払い の補償は問題になりません。
貸借対照表
健全な企業の発掘
企業分析と財務データの現状
| データ | 最終更新日（UTC時間） |
|---|---|
| 企業分析 | 2026/06/11 20:47 |
| 終値 | 2026/06/11 00:00 |
| 収益 | 2026/03/31 |
| 年間収益 | 2025/12/31 |
データソース
企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。
| パッケージ | データ | タイムフレーム | 米国ソース例 |
|---|---|---|---|
| 会社財務 | 10年 |
| |
| アナリストのコンセンサス予想 | +プラス3年 |
|
|
| 市場価格 | 30年 |
| |
| 所有権 | 10年 |
| |
| マネジメント | 10年 |
| |
| 主な進展 | 10年 |
|
* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。
特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。
分析モデルとスノーフレーク
本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。
シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。
業界およびセクターの指標
私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。
アナリスト筋
TWFG, Inc. 8 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。12
| アナリスト | 機関 |
|---|---|
| Michael Zaremski | BMO Capital Markets Equity Research |
| null null | BMO Capital Markets Equity Research |
| Jamminder Bhullar | J.P. Morgan |