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TWFG stock

TWFGNASDAQ

TWFG, Inc., Financial ServicesISIN US87318A1016

$26.72▼ $0.30 (−1.1%)Closing price of 12 Nov 2026

78Score 78 out of 100, Strong

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Price and trend

78 / 100

Price history

+0.6% in one year

The chart shows daily closes over 2 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.

Long-term trend

Above the 200-day line: the price is 15% above it.

Trend change

Since August 2026 the 50-day line has been above the 200-day line; the trend has turned up.

Momentum

Normal: the price is neither overheated nor sold off (RSI 41).

Distance to the high

The price is 14% below its 52-week high. Largest decline in 2 years: 53% (June 2025 to February 2026).

Chart figures for advanced users
SMA 50$26.41
Average price of the last 50 trading days, shows the short-term trend.
SMA 200$23.20
Average price of the last 200 trading days, shows the long-term trend.
RSI (14)41
Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
MACDbelow the signal line
Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
Support$17.04
The lowest closing price of the last twelve months.
Resistance$31.15
The highest closing price of the last twelve months.
What would $1,000 in TWFG have become?Return triangle for TWFG
Market cap
$348.77M
Div. yield
no dividend
42.6
on reported earnings of the last twelve months
22.7
on earnings for the next twelve months ($1.19 per share)
Fair value
$86.03

Snapshot

Computed from the data by fixed rules, no AI

  • TWFG, Inc. belongs to the Insurance (Brokers) industry (United States) and, with a market value of $344.9M, is number 14 of 14 companies in its industry on MEQIRI.
  • In fiscal 2025 it reported revenue of $233.96M (up 20.8% year on year) and earnings of $7.96M (up 190.1%).
  • For fiscal 2026, analysts expect on average revenue of $316.01M (up 35.1%) and adjusted earnings per share of $1.18 (up 32.5%).
Show more
  • MEQIRI Score 78 out of 100 (Strong): rank 146 of 976 in Financial Services, median 68.
  • The P/E is 42.1 (Insurance (Brokers) median 24.5, own median of recent years 108.2).
  • Our model puts fair value at $86.03, with the price 69% below it.

In plain words

The numbers on this page in plain words, written by an AI

Strengths

  • Earnings turn into cashFree cash flow above 500% of earnings over the last 12 months.Fundamentals 79
  • Below fair valuePrice 69% below the fair value of $86.03.Valuation 81
  • More cash than debtCash $73.75M, financial debt $7.64M.Stability 85

Weaknesses

  • Margin fallingOperating margin 10.2%, average of the prior years 15.2% (to 2024).Profitability 64
  • Volatile share priceVolatility 46% a year over the last 12 months.
78/ 100
MEQIRI Score
Strong

Its standout strengths are stability and growth.

Daily figure as of 12 Nov 2026

How the score is calculated

Score overview

Fundamentals are strong, with strong cash generation.

Profit consistency50% of years
Cash conversion (free cash flow to earnings, 12 months)above 500%
ROIC (12 months)23.7%
Positive free cash flow100% of years
How this category is measured

Score history

The full history of up to 20 years comes with MEQIRI Pro.

See plans

Crash risk medium

How well MEQIRI warns

In the middle among smaller stocks.

From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.

What drives the risk

  • high price swings
  • high growth grade (crashed more often in the backtest)

What lowers it

  • solid fundamentals

Valuation

Valuation signal

Significantly undervalued
Price
$27.02
Fair value
$86.03
Gap to fair value
−69%

Closing price of 11 Nov 2026, used by the daily score.

In our model the price counts as cheap below $61.45 and expensive above $143.38 (uncertainty high, based on the price swings of the past year).

The two parts of the fair value come to $156.50 (cash-flow model) and $15.56 (industry comparison), and the gap between them shows how uncertain the estimate is.

Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $72.28, at 7.8% it would be $106.72.

Valuation metrics

0.28
3.3
Fair value (model)
$86.03
Earnings part $15.56 (earnings per share $0.63 × 24.5)

Half from the cash-flow model, half from earnings times the industry P/E (24.5).

Calculate with your own assumptions

Company performance

This shows several years of history with an automatic assessment.

Revenue

4 years

In the twelve months to 30 Sep 2026, revenue rose 39% on the twelve months before. Revenue has grown strongly since 2022, at around 17% per year.

Margins

4 years
  • Gross margin
  • Operating margin
  • Net margin

In fiscal 2025: gross 27%, operating 10%, net 3%.

Debt & balance sheet

latest quarter
0.03
> 100x
2.56
Cash & equivalents
$73.75M

The balance sheet is solid, with low debt and comfortable interest coverage.

Earnings

Next earnings
24 Feb 2027in 104 days
Last reported
4 Nov 2026EPS reported $0.28 (expected $0.26)above expectations

Analyst estimates

Earnings estimates have barely changed since 15 Oct 2026.

Fiscal 20265 analysts
Earnings per share
$1.18+1.3%
Revenue
$316.01M+0.3%
Fiscal 20276 analysts
Earnings per share
$1.19+0.6%
Revenue
$366.63M−0.1%

MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.

Company outlook raised

Share price after the results: +4.5%

2026 revenue guidance raised to $300 million to $320 million from $285 million to $300 million.

Supporting passage from the call, verbatim
“We now expect total revenues of $300 million to $320 million, up from $285 million to $300 million.”

The outlook is not part of the score and not a recommendation to buy or sell.

From the earnings call on 6 Aug 2026 (fiscal Q2 2026), read by AI.

Insiders

Open-market purchases and sales by executives, board members and major holders

All insider purchases

One insider bought on the open market in the last 6 months, $3.35M in total.

  • Doak MichaelPurchase

    5 Jun 2026, Board

    Shares
    7,865
    Price
    $19.45
    Value
    $152,974
  • Doak MichaelPurchase

    4 Jun 2026, Board

    Shares
    11,000
    Price
    $19.09
    Value
    $209,990
  • Doak MichaelPurchase

    3 Jun 2026, Board

    Shares
    22,994
    Price
    $18.62
    Value
    $428,148
Show 9 more
  • Doak MichaelPurchase

    2 Jun 2026, Board

    Shares
    16,500
    Price
    $19.25
    Value
    $317,625
  • Doak MichaelPurchase

    1 Jun 2026, Board

    Shares
    16,500
    Price
    $19.33
    Value
    $318,945
  • Doak MichaelPurchase

    29 May 2026, Board

    Shares
    11,330
    Price
    $18.87
    Value
    $213,797
  • Doak MichaelPurchase

    28 May 2026, Board

    Shares
    11,000
    Price
    $18.87
    Value
    $207,570
  • Doak MichaelPurchase

    27 May 2026, Board

    Shares
    24,880
    Price
    $18.62
    Value
    $463,266
  • Doak MichaelPurchase

    26 May 2026, Board

    Shares
    11,000
    Price
    $19.23
    Value
    $211,530
  • Doak MichaelPurchase

    22 May 2026, Board

    Shares
    11,000
    Price
    $18.89
    Value
    $207,790
  • Doak MichaelPurchase

    21 May 2026, Board

    Shares
    17,538
    Price
    $18.52
    Value
    $324,804
  • Doak MichaelPurchase

    20 May 2026, Board

    Shares
    15,745
    Price
    $18.79
    Value
    $295,849

Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.

What happened at TWFG

The key events of the last six months from our own data. A click takes you to the matching card.

Sector comparison

976 rated companies in Financial Services

Rank 146 of 976
146/ 976
This company
78
Sector median
68

Categories against the sector median

ProfitabilityMedian of 976 companies64 (median 57)7 above the median
GrowthMedian of 976 companies83 (median 67)16 above the median
FundamentalsMedian of 976 companies79 (median 80)1 below the median
ValuationMedian of 929 companies with a value81 (median 73)8 above the median
StabilityMedian of 976 companies85 (median 78)7 above the median
Capital allocationMedian of 976 companies76 (median 56)20 above the median
Technical analysisMedian of 976 companies78 (median 70)8 above the median
MomentumMedian of 976 companies80 (median 70)10 above the median

The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.

Competitors in Insurance (Brokers)

The next larger companies by market value

All 14 Insurance (Brokers) stocks

Data status and sources

Score
Daily value of 12 Nov 2026, recalculated nightly
Price
Closing price of 12 Nov 2026
Latest annual report
Fiscal year 2025, period end 31 Dec 2025
Source
Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Original filings at the SECReport a data error

Mandatory disclosures for this rating

  • ; time horizon around 12 months
  • Rated Strong, published since 7 Nov 2026 (in the score history since 18 Oct 2026)
  • Valuation signal Undervalued since 7 Nov 2026
  • End-of-day prices, metrics cached for up to 24 hours
  • Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
  • Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
  • Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.
Full disclosures, methodology and data sourcesAll ratings of the last 12 monthsHow the score is calculated

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