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TWFG, Inc. (TWFG) stock

TWFGNasdaqInsurance Agents, Brokers & ServiceFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 7/30134% above fair value
$25.79−0.93 (-3.48%)

Close on Nov 13, 2026Market cap $1.39BP/E 44.5Yield –

TWFG, Inc. grew revenue 35.0% to $310.53M over the twelve months to Sep 30, 2026. Operating income rose 84.0% to $53.83M, moving the operating margin from 12.7% to 17.3%. Free cash flow was $55.21M, up 13.2% from a year earlier. At the latest close the market valued the company at $1.39B, 44.5 times its earnings.

Revenue
$310.53M
+35.0% vs. a year earlier
Operating income
$53.83M
+84.0% vs. a year earlier
Free cash flow
$55.21M
+13.2% vs. a year earlier
EPS, diluted
$0.58
+34.9% vs. a year earlier

Key statistics

Valuation at the latest close; fundamentals over the trailing twelve months, balances at Sep 30, 2026

Valuation

Market cap
$1.39B
P/E ratio
44.5
Price to sales
4.49
Price to book
29.39
Dividend yield
–
Free cash flow yield
3.96%

Fundamentals

Revenue
$310.53M
EPS, diluted
$0.58
Free cash flow
$55.21M
Book value per share
$3.65
Diluted shares
13M

Trading

Next earnings
Feb 24, 2027 (estimated, during market hours)
Previous close
$26.72
Open
$26.78
Day's range
$25.61 – $26.93
Volume
128,237
Average volume (20 days)
202,514
Beta (5 years)
0.24
52-week range
$16.56 – $31.42
RSI (14 days)
42.5
Volatility (1 year)
46.5%
Relative volume
0.78×
WACC
7.6%

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Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.

PeriodTWFGS&P 500DifferenceTWFG per yearS&P 500 per year
1 month+6.3%-3.0%+9.3 pts
3 months-4.2%-2.8%−1.4 pts
Year to date-10.4%+11.5%−21.8 pts
1 year-5.4%+13.5%−18.8 pts

Five years at a glance

Fiscal years 2021 to 2025 and trailing twelve months, USD

Revenue

$310.53M+35.0% YoY

Operating income

$53.83M+84.0% YoY

Net income

–

EPS, diluted

$0.58+34.9% YoY

Free cash flow

$55.21M+13.2% YoY
Reported periodTrailing twelve months

Press releases

Releases TWFG filed with the SEC as exhibits to Form 8-K or 6-K

All press releases and earnings

About TWFG

Insurance Agents, Brokers & Service

TWFG operates an insurance distribution platform in the United States, connecting independent agents, insurance carriers, and policyholders. The company facilitates the placement of personal and commercial property and casualty insurance products, such as automobile, homeowners, flood, and general liability coverage. Its operations are divided into two main offerings: Insurance Services and TWFG MGA. Through Insurance Services, TWFG supports exclusive agency branches and wholly owned corporate locations with technology, administrative tools, and carrier access. Through TWFG MGA, the company provides independent managing general agencies with access to admitted and excess and surplus carrier programs.

Company profile, executives and history

TWFG stock: common questions

What is TWFG's stock price?

TWFG closed at $25.79 on Nov 13, 2026, down 3.48% on the day. Over the past 52 weeks it traded between $16.56 and $31.42.

What is TWFG's market cap?

TWFG was worth $1.39B at the close on Nov 13, 2026: the share price times the diluted shares outstanding.

What is TWFG's P/E ratio?

TWFG trades at 44.5 times earnings, based on diluted earnings per share of $0.58 over the twelve months to Sep 30, 2026.

How much revenue does TWFG make?

TWFG reported revenue of $310.53M for the twelve months to Sep 30, 2026, up 35.0% from a year earlier.

Does TWFG pay a dividend?

No. TWFG has not paid a cash dividend over the last twelve months.

When does TWFG report earnings next?

TWFG is expected to report Q4 FY2026 results on Feb 24, 2027, during market hours. The date is estimated from its past reporting pattern until the company confirms it.

How has TWFG stock performed over the past year?

Including dividends, TWFG returned -5.4% over the past year, against +13.5% for the S&P 500.

How many TWFG shares are sold short?

1M shares were sold short at the latest FINRA report, 6.28% of the float, or 5.2 days of average trading volume.

Who are TWFG's competitors?

Companies most similar to TWFG by business, industry and size include GSHD, NP, LIFE, AIFU, EHTH.

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