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TWFG, Inc. Stock Price

NasdaqGS:TWFG Community·US$1.6b Market Cap
  • 3 Narratives written by author
  • 0 Comments on narratives written by author
  • 7 Fair Values set on narratives written by author

TWFG Share Price Performance

US$31.15
3.72 (13.56%)
US$27.57
Fair Value
US$31.15
3.72 (13.56%)
13.0% overvalued intrinsic discount
US$27.57
Fair Value
Price US$31.15
AnalystConsensusTarget US$27.57
AnalystHighTarget US$30.00
AnalystLowTarget US$26.00

TWFG Community Narratives

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Fair Value US$27.57 13.0% overvalued intrinsic discount

Branch Expansion And AI Tools Will Steady Market Position Amid Industry Headwinds

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Fair Value US$30 3.8% overvalued intrinsic discount

Returning Carrier Appetite And High Retention Will Support A Stronger TWFG Earnings Profile

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·
Fair Value US$26 19.8% overvalued intrinsic discount

AI And Softening Insurance Pricing Will Pressure Margins Yet Longer Term Upside Remains

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US$26
19.8% overvalued intrinsic discount
Revenue
11.18% p.a.
Profit Margin
3%
Future PE
26.4x
Price in 2029
US$30.95
US$27.57
13.0% overvalued intrinsic discount
Revenue
15.55% p.a.
Profit Margin
10.25%
Future PE
8.01x
Price in 2029
US$32.41

Trending Discussion

No trending discussion available.

Updated Narratives

TWFG logo

TWFG: Fair Outlook Balances Soft Insurance Cycle With AI And M&A Plans

Fair Value: US$26 19.8% overvalued intrinsic discount
0 users have set this as their fair value
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TWFG: Softening Insurance Cycle And AI Risk Will Shape Resilient But Balanced Outlook

Fair Value: US$27.57 13.0% overvalued intrinsic discount
5 users have set this as their fair value
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TWFG: Soft Market Resilience And 2026 Outlook Are Set To Reprice Shares

Fair Value: US$30 3.8% overvalued intrinsic discount
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Snowflake Analysis

Excellent balance sheet with reasonable growth potential.

0 Risks
2 Rewards

TWFG, Inc. Key Details

US$294.7m

Revenue

US$41.6m

Cost of Revenue

US$253.1m

Gross Profit

US$244.3m

Other Expenses

US$8.8m

Earnings

Last Reported Earnings
Jun 30, 2026
Next Reporting Earnings
n/a
0.68
85.88%
2.98%
1.3%
View Full Analysis

About TWFG

Founded
2001
Employees
400
CEO
Richard Bunch
WebsiteView website
www.twfg.com

TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. The company offers auto, home, renters, life, health, motorcycle, umbrella, boat, recreational vehicle, flood, wind, event, luxury item, general liability, property, business auto, workers’ compensation, business owner policy, and professional liability insurance products, as well as commercial bonds and group benefits. TWFG, Inc. was founded in 2001 and is based in The Woodlands, Texas.

Recent TWFG News & Updates

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
Narrative Update 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.

Recent updates

No updates