TWFG Future Growth

Future criteria checks 5/6

TWFG is forecast to grow earnings and revenue by 38.8% and 16.6% per annum respectively. EPS is expected to grow by 2.4% per annum. Return on equity is forecast to be 31.3% in 3 years.

Key information

38.8%

Earnings growth rate

2.4%

EPS growth rate

Insurance earnings growth	11.5%
Revenue growth rate	16.6%
Future return on equity	31.3%
Analyst coverage	Good
Last updated	19 Dec 2024

Recent future growth updates

Recent updates

TWFG, Inc.: A Significant Skin-In-The-Game Opportunity

Oct 28

Earnings and Revenue Growth Forecasts

NasdaqGS:TWFG - Analysts future estimates and past financials data (USD Millions)
Date	Revenue	Earnings	Free Cash Flow	Cash from Op	Avg. No. Analysts
12/31/2026	279	30	40	49	7
12/31/2025	238	22	34	40	7
12/31/2024	202	22	28	32	7
9/30/2024	194	6	5	35	N/A
6/30/2024	187	13	0	31	N/A
3/31/2024	179	27	-5	30	N/A
12/31/2023	173	25	15	30	N/A
12/31/2022	154	23	16	26	N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: TWFG's forecast earnings growth (38.8% per year) is above the savings rate (2.6%).

Earnings vs Market: TWFG's earnings (38.8% per year) are forecast to grow faster than the US market (15.3% per year).

High Growth Earnings: TWFG's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: TWFG's revenue (16.6% per year) is forecast to grow faster than the US market (9.2% per year).

High Growth Revenue: TWFG's revenue (16.6% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: TWFG's Return on Equity is forecast to be high in 3 years time (31.3%)

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Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/30 06:46
End of Day Share Price	2024/12/30 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

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Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

TWFG, Inc. is covered by 9 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Michael Zaremski	BMO Capital Markets Equity Research
null null	BMO Capital Markets Equity Research
Jamminder Bhullar	J.P. Morgan