TWFG

TWFG Inc

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Advanced Chart

25.830

-1.36(-5.002%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

30.465

Open

27.150

VWAP

26.45

Vol

374.52K

Mkt Cap

384.97M

Low

25.665

Amount

9.91M

EV/EBITDA(TTM)

10.87

Total Shares

14.90M

419.11M

EV/OCF(TTM)

9.04

P/S(TTM)

1.88

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.

7 Analyst Rating

38.71% Upside

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 35.83 USD with a low forecast of 32.00 USD and a high forecast of 42.00 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.

4 Buy

3 Hold

0 Sell

Moderate Buy

38.71% Upside

Current: 25.830

Low

32.00

Averages

35.83

High

42.00

38.71% Upside

Current: 25.830

Low

32.00

Averages

35.83

High

42.00

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.

Morgan Stanley

Equal Weight

maintain

$29 -> $34

2025-05-19

Reason

Morgan Stanley

Price Target

$29 -> $34

2025-05-19

maintain

Equal Weight

Reason

Morgan Stanley raised the firm's price target on TWFG to $34 from $29 and keeps an Equal Weight rating on the shares. The firm is updating its price targets on stocks under its coverage in the P&C Insurance sector, the analyst tells investors. Results were somewhat mixed depending on the segments, but the firm sees further growth and margin expansion in personal lines, which should be durable in 2025. Heading into 2025, the firm expects broader P&C trend to remain steady, with personal lines and brokers leading on the earnings growth front.

Keefe, Bruyette & Woods

Tommy McJoynt

Hold

Maintains

$33 → $32

2025-04-09

Reason

Keefe, Bruyette & Woods

Tommy McJoynt

Price Target

$33 → $32

2025-04-09

Maintains

Hold

Reason

Keefe Bruyette lowered the firm's price target on TWFG to $32 from $33 and keeps a Market Perform rating on the shares.

Morgan Stanley

Bob Huang

Hold

Maintains

$31 → $30

2025-03-25

Reason

Morgan Stanley

Bob Huang

Price Target

$31 → $30

2025-03-25

Maintains

Hold

Reason

BMO Capital

Michael Zaremski

Buy

Maintains

$30 → $32

2025-03-04

Reason

BMO Capital

Michael Zaremski

Price Target

$30 → $32

2025-03-04

Maintains

Buy

Reason

BMO Capital raised the firm's price target on TWFG to $32 from $30 and keeps an Outperform rating on the shares. The company pre-announced stronger-than-expected Q4 top-line results, which include upside from written premiums, organic commissions, and profit commissions, partially offset by lower other revenue, the analyst tells investors in a research note. BMO adds that it sees upside to revenue growth once the macro environment for Home & Auto insurers improves within Texas and California.

JP Morgan

Pablo Singzon

Buy

Hold

Downgrades

$30 → $33

2025-01-03

Reason

JP Morgan

Pablo Singzon

Price Target

$30 → $33

2025-01-03

Downgrades

Buy

Hold

Reason

JPMorgan analyst Pablo Singzon downgraded TWFG to Neutral from Overweight with a price target of $33, up from $30. While there are several sources of upside in TWFG's operating model, including acquisitions and the revenue impact from recent organic agent hires, these are already adequately captured in the stock price, the analyst tells investors in a research note. However, the firm says TWFG's concentrated geographic exposure and founder control are risks. It thinks the stock is close to fully valued.

See All Ratings

Valuation Metrics

The current forward P/E ratio for TWFG Inc (TWFG.O) is 36.24, compared to its 5-year average forward P/E of 48.29. 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.

Strongly Undervalued

5Y Average PE

48.29

Current PE

36.24

Overvalued PE

52.52

Undervalued PE

44.05

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.

Strongly Undervalued

5Y Average EV/EBITDA

10.21

Current EV/EBITDA

8.43

Overvalued EV/EBITDA

11.05

Undervalued EV/EBITDA

9.38

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.

Undervalued

5Y Average PS

1.94

Current PS

1.64

Overvalued PS

2.11

Undervalued PS

1.77