TWFG, Inc.

NasdaqGS:TWFG 주식 리포트

시가총액: US$1.0b

TWFG 대차대조표 건전성

재무 건전성 기준 점검 5/6

TWFG 의 총 주주 지분은 $306.4M 이고 총 부채는 $3.5M, 이는 부채 대 자기자본 비율을 1.1% 로 가져옵니다. 총자산과 총부채는 각각 $371.2M 및 $64.7M 입니다. TWFG 의 EBIT는 $43.6M 이며 이자보상배율은 -7.7 입니다. $124.8M 의 현금 및 단기 투자금을 보유하고 있습니다.

핵심 정보

1.15%

부채/자본 비율

US$3.52m

부채

이자보상배율-7.7x
현금US$124.85m
자본US$306.43m
총부채US$64.74m
총자산US$371.18m

최근 재무 건전성 업데이트

업데이트 없음

Recent updates

분석 기사 • 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...
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
새로운 내러티브 • 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?
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
새로운 내러티브 • 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?
내러티브 업데이트 • 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.
분석 기사 • 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...
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
내러티브 업데이트 • 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
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
분석 기사 • 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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새로운 내러티브 • 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.
분석 기사 • 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

재무 상태 분석

단기부채: TWFG 의 단기 자산 ( $201.4M )이 단기 부채( $58.9M ).

장기 부채: TWFG의 단기 자산($201.4M)이 장기 부채($5.9M)를 초과합니다.

부채/자본 비율 추이 및 분석

부채 수준: TWFG 총 부채보다 더 많은 현금을 보유하고 있습니다.

부채 감소: 지난 5년 동안 TWFG의 부채 대비 자본 비율이 감소했는지 판단하기에 데이터가 부족합니다.

부채 범위: TWFG 의 부채는 영업 현금 흐름 ( 1520.3% )에 의해 잘 충당되었습니다.

이자 보장: TWFG 지불하는 것보다 더 많은 이자를 벌기 때문에 이자 지불 보장은 문제가 되지 않습니다.

대차대조표

건전한 기업 찾아보기

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기업 분석 및 재무 데이터 상태

데이터최종 업데이트 (UTC 시간)
기업 분석2026/05/22 22:35
종가2026/05/22 00:00
수익2026/03/31
연간 수익2025/12/31

데이터 소스

당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.

패키지데이터기간미국 소스 예시 *
기업 재무제표10년
  • 손익계산서
  • 현금흐름표
  • 대차대조표
분석가 컨센서스 추정치+3년
  • 재무 예측
  • 분석가 목표주가
시장 가격30년
  • 주가
  • 배당, 분할 및 기타 조치
지분 구조10년
  • 주요 주주
  • 내부자 거래
경영진10년
  • 리더십 팀
  • 이사회
주요 개발10년
  • 회사 공시

* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.

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분석 모델 및 스노우플레이크

이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.

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산업 및 섹터 지표

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분석가 소스

TWFG, Inc.는 13명의 분석가가 다루고 있습니다. 이 중 7명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.

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