TWFG Stock: Price, Forecast, Financials & AI Analysis

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Open

VWAP

Vol

Mkt Cap

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Amount

EV/EBITDA(TTM)

Total Shares

EV/OCF(TTM)

P/S(TTM)

8 Analyst Rating

Wall Street analysts forecast TWFG stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for TWFG is 33.00 USD with a low forecast of 31.00 USD and a high forecast of 39.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

5 Buy

3 Hold

0 Sell

Moderate Buy

Current: 28.395

Low

31.00

Averages

33.00

High

39.00

Current: 28.395

Low

31.00

Averages

33.00

High

39.00

RBC Capital

Outperform

initiated

$33

2025-11-24

Reason

RBC Capital

Price Target

$33

2025-11-24

initiated

Outperform

Reason

RBC Capital resumed coverage of TWFG with an Outperform rating and $33 price target as part of a broader research note launching coverage on P&C insurance carriers and brokers. Looking to 2026, the firm expects continued strong return on equity, ROE, and book value per share growth amongst carriers, though it also sees slowing top-lines limiting earnings growth, the analyst tells investors in a research note. Some earnings headwinds are emerging, with a softening P&C cycle, difficult catastrophe comps, and uncertain reserving driving RBC's expectations for ROE compression and limited sector performance, the firm added. For the company, RBC is positive on TWFG's compelling long-term growth outlook in the fragmented Personal Lines brokerage space and high quality management team.

JPMorgan

Neutral

maintain

$30 -> $31

2025-11-17

Reason

JPMorgan

Price Target

$30 -> $31

2025-11-17

maintain

Neutral

Reason

JPMorgan raised the firm's price target on TWFG to $31 from $30 and keeps a Neutral rating on the shares. The firm upped estimates post the Q3 report.

Morgan Stanley

Equal Weight

maintain

$30 -> $31

2025-11-17

Reason

Morgan Stanley

Price Target

$30 -> $31

2025-11-17

maintain

Equal Weight

Reason

Morgan Stanley raised the firm's price target on TWFG to $31 from $30 and keeps an Equal Weight rating on the shares. The firm updated models in the insurance space post the Q3 reports. For property and casualty, Morgan Stanley sees a softening cycle heading into 2026, the analyst tells investors.

Morgan Stanley

Equal Weight

downgrade

$35 -> $32

2025-08-18

Reason

Morgan Stanley

Price Target

$35 -> $32

2025-08-18

downgrade

Equal Weight

Reason

Morgan Stanley lowered the firm's price target on TWFG to $32 from $35 and keeps an Equal Weight rating on the shares. The firm is updating its price targets on Property & Casualty Insurance stocks under its coverage following Q2 results, the analyst tells investors. Themes across the P&C insurance sector include: increased competition in the personal auto insurance market; cautious optimism over growth opportunities in commercial lines; softened reinsurance pricing through mid-year renewals; and in-line Q2 results delivered by brokers, the analyst tells investors.

Piper Sandler

Paul Newsome

Overweight -> Overweight

downgrade

$38 -> $32

2025-08-14

Reason

Piper Sandler

Paul Newsome

Price Target

$38 -> $32

2025-08-14

downgrade

Overweight -> Overweight

Reason

Piper Sandler analyst Paul Newsome lowered the firm's price target on TWFG to $32 from $38 and keeps an Overweight rating on the shares following quarterly results. The firm thinks some investors may be concerned about the lower level of organic growth in the quarter as well as the lower guidance. As the personal lines market softens it is reasonable to assume some directional shifts in organic growth, however management remains confident in double-digit growth in the near term and 2026. Offsetting lower growth in the quarter was margin expansion that was higher than Piper expected.

UBS

Brian Meredith

Buy

maintain

$40 -> $42

2025-07-09

Reason

UBS

Brian Meredith

Price Target

$40 -> $42

2025-07-09

maintain

Buy

Reason

UBS analyst Brian Meredith raised the firm's price target on TWFG to $42 from $40 and keeps a Buy rating on the shares. P&C Insurance stocks under coverage were down 4% in 2Q25, on average, reflecting less favorable fundamentals and a shift from defensive stocks to more economically sensitive stocks, the analyst tells investors in a research note. UBS favors Personal lines insurers into 2Q25 results where margins remain attractive.

Valuation Metrics

The current forward P/E ratio for TWFG Inc (TWFG.O) is 34.03, compared to its 5-year average forward P/E of 44.33. For a more detailed relative valuation and DCF analysis to assess TWFG Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

5Y Average PE

44.33

Current PE

34.03

Overvalued PE

51.93

Undervalued PE

36.73

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

9.65

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

10.84

Undervalued EV/EBITDA

8.46

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

N/A

5Y Average PS

1.83

Current PS

0.00

Overvalued PS

2.07

Undervalued PS

1.59

Financials

Annual

Quarterly

N/A

Total Revenue

N/A

Operating Profit

N/A

Net Income after Tax

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EPS - Diluted

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Free Cash Flow

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Gross Profit Margin - %

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FCF Margin - %

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Net Margin - %

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ROIC

Trading Trends

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Hedge Fund

Hedge Funds are Neutral. There are no significant trading trends over the last quarter.

Sold

Bought

Congress Trading

Congress are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

TWFG News & Events

Events Timeline

No data

News

9.5

11-13NASDAQ.COM

TWFG, Inc. (TWFG) Announces Q3 Earnings: Insights from Key Metrics

9.5

11-12NASDAQ.COM

TWFG, Inc. (TWFG) Exceeds Q3 Earnings Projections

8.5

11-04Newsfilter

TWFG, Inc. Expands Southeastern Presence with Acquisition of Alabama Insurance Agency, Inc.

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Frequently Asked Questions

What is TWFG Inc (TWFG) stock price today?

The current price of TWFG is 28.395 USD — it has decreased -0.37 % in the last trading day.

What is TWFG Inc (TWFG)'s business?

TWFG, Inc. provides an independent distribution platform for personal and commercial insurance in the United States. Its offerings are fulsome and flexible in that it offers all lines of insurance, multiple distribution contract options, mergers and acquisitions (M&A) services, proprietary virtual assistants, proprietary technology, proprietary premium financing, unlimited continuing education, recognition programs, co-op funding, marketing support and overall lower costs to operate. Its business model, developed by agents for agents, serves over 2,500 TWFG Agencies and offers a distinctive level of autonomy and entrepreneurial opportunity. It provides TWFG Agencies with resources, technology, training, and insurance carrier access to succeed in an increasingly complex market. Its independent distribution platform offers its branches and managing general agency (MGA) agencies a choice of contracts to execute with it, including branch contracts, MGA contracts and producer contracts.

What is the price predicton of TWFG Stock?

What is TWFG Inc (TWFG)'s revenue for the last quarter?

TWFG Inc revenue for the last quarter amounts to 64.12M USD, increased 17.36 % YoY.

What is TWFG Inc (TWFG)'s earnings per share (EPS) for the last quarter?

TWFG Inc. EPS for the last quarter amounts to 0.11 USD, increased 37.50 % YoY.

What changes have occurred in the market's expectations for TWFG Inc (TWFG)'s fundamentals?

The market is revising Downward the revenue expectations for TWFG, Inc. (TWFG) for FY2025, with the revenue forecasts being adjusted by -0.3% over the past three months. During the same period, the stock price has changed by 15.95%.

How many employees does TWFG Inc (TWFG). have?

TWFG Inc (TWFG) has 264 emplpoyees as of December 16 2025.

What is TWFG Inc (TWFG) market cap?

Today TWFG has the market capitalization of 1.60B USD.