TWFG 과거 순이익 실적
과거 기준 점검 4/6
TWFG은 연평균 61.8%의 비율로 수입이 증가해 온 반면, Insurance 산업은 수입이 14.7% 증가했습니다. 매출은 연평균 34.7%의 비율로 증가했습니다. TWFG의 자기자본이익률은 19.4%이고 순이익률은 3%입니다.
핵심 정보
61.78%
순이익 성장률
38.73%
주당순이익(EPS) 성장률
| Insurance 산업 성장률 | 8.02% |
| 매출 성장률 | 34.74% |
| 자기자본이익률 | 19.39% |
| 순이익률 | 2.98% |
| 최근 순이익 업데이트 | 30 Jun 2026 |
최근 과거 실적 업데이트
Recent updates
내러티브 업데이트 • Sep 03
TWFG: Soft Market Resilience And Underwriting Strength Will Reprice Shares
The analyst price target for TWFG has shifted from $30 to $34, reflecting updated views that emphasize the stock's valuation relative to peers, expectations for solid underwriting profit, and resilience within the broader insurance sector. Analyst Commentary Recent research updates on TWFG show a series of price target revisions and rating changes that give you a clearer picture of how Wall Street views the stock.Seeking Alpha • Aug 23
TWFG: The P&C Cycle Presents Higher Hurdles
Summary TWFG remains a growth leader in independent insurance distribution, leveraging agency consolidation and technology-driven solutions. Despite robust earnings and margin expansion, gross premiums are declining, signaling potential future headwinds as the P&C cycle softens. Valuation is stretched at nearly 50x PE, significantly above peers, reflecting high-growth expectations and contributing to elevated stock volatility. I maintain a HOLD rating due to downside risks from high valuation, softening premiums, and peaking scale efficiencies, despite ongoing earnings growth. Read the full article on Seeking Alpha
내러티브 업데이트 • Aug 17
TWFG: Fair Outlook Balances Soft Insurance Cycle With AI And M&A Plans
Analysts have raised the TWFG fair value estimate from $24.00 to $26.00, reflecting a series of higher Street price targets that highlight differing views on growth, margins, and appropriate P/E levels for the stock. Analyst Commentary Recent Street research on TWFG presents a mixed picture for investors, with several firms lifting price targets while also flagging clear risks around growth durability, valuation and the broader insurance cycle.
내러티브 업데이트 • Aug 03
TWFG: Softening Insurance Cycle And AI Risk Will Shape Resilient But Balanced Outlook
Analysts have raised the TWFG fair value estimate by about $4 per share to roughly $27.57. They point to a series of higher Street price targets that reflect views that certain insurance brokers, including TWFG, may hold up better as pricing softens across the wider insurance market.내러티브 업데이트 • Jul 20
TWFG: Soft Market Resilience And 2026 Outlook Are Set To Reprice Shares
The analyst fair value estimate for TWFG has increased from $27.00 to $30.00. This move reflects a series of higher Street price targets as analysts highlight the stock's relative resilience in a softer insurance market and the potential for brokers to sustain recent gains more effectively than carriers.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.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.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...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 Alpha매출 및 비용 세부 내역
매출 및 비용 세부 내역
TWFG가 돈을 벌고 사용하는 방법. 최근 발표된 LTM 실적 기준.
순이익 및 매출 추이
| 날짜 | 매출 | 순이익 | 일반관리비 | 연구개발비 |
|---|---|---|---|---|
| 30 Jun 26 | 295 | 9 | 175 | 0 |
| 31 Mar 26 | 268 | 8 | 163 | 0 |
| 31 Dec 25 | 249 | 8 | 156 | 0 |
| 30 Sep 25 | 230 | 7 | 150 | 0 |
| 30 Jun 25 | 219 | 6 | 146 | 0 |
| 31 Mar 25 | 211 | 4 | 142 | 0 |
| 31 Dec 24 | 204 | 3 | 135 | 0 |
| 30 Sep 24 | 191 | -20 | 130 | 0 |
| 30 Jun 24 | 186 | -13 | 129 | 0 |
| 31 Mar 24 | 178 | -6 | 127 | 0 |
| 31 Dec 23 | 172 | -1 | 128 | 0 |
| 31 Dec 22 | 154 | 3 | 115 | 0 |
양질의 수익: TWFG는 고품질 수익을 보유하고 있습니다.
이익 마진 증가: TWFG의 현재 순 이익률 (3%)은 지난해 (2.8%)보다 높습니다.
잉여현금흐름 대비 순이익 분석
과거 순이익 성장 분석
수익추이: TWFG의 수익은 지난 5년 동안 연평균 61.8%로 크게 증가했습니다.
성장 가속화: 지난 1년간 TWFG 의 수익 증가율(45.6%)은 5년 평균(연간 61.8%)보다 낮습니다.
수익 대 산업: TWFG의 지난 1년 수익 증가율(45.6%)은 Insurance 업계의 27.4%를 상회했습니다.
자기자본이익률
높은 ROE: TWFG의 자본 수익률(19.4%)은 낮음으로 평가됩니다.
총자산이익률
투하자본수익률
우수한 과거 실적 기업을 찾아보세요
기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/09/12 03:05 |
| 종가 | 2026/09/11 00:00 |
| 수익 | 2026/06/30 |
| 연간 수익 | 2025/12/31 |
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.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
| |
| 분석가 컨센서스 추정치 | +3년 |
|
|
| 시장 가격 | 30년 |
| |
| 지분 구조 | 10년 |
| |
| 경영진 | 10년 |
| |
| 주요 개발 | 10년 |
|
* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.
별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.
분석 모델 및 스노우플레이크
이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.
Simply Wall St 분석 모델을 설계하고 구축한 에 대해 알아보세요.
산업 및 섹터 지표
산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.
분석가 소스
TWFG, Inc.는 12명의 분석가가 다루고 있습니다. 이 중 8명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
| 분석가 | 기관 |
|---|---|
| Michael Zaremski | BMO Capital Markets Equity Research |
| null null | BMO Capital Markets Equity Research |
| Jamminder Bhullar | J.P. Morgan |