Is TWFG, Inc. (TWFG) Overvalued?
We dive into why TWFG, Inc. (TWFG) could be considered overvalued on 2026-08-17, based on AAII’s Value Score and Grade.Rosalio Madrigal
A+ Stock Grade Summary:
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COMPANY SUMMARY
TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. The company offers auto, home, renters, life, health, motorcycle, umbrella, boat, recreational vehicle, flood, wind, event, luxury item, general liability, property, business auto, workers’ compensation, business owner policy, and professional liability insurance products, as well as commercial bonds and group benefits. TWFG, Inc. was founded in 2001 and is based in The Woodlands, Texas.
Commentary & Analysis
What You Need to Know About TWFG, Inc.'s Q3 Earnings
TWFG, Inc.'s fiscal Q3 earnings report was released on Wednesday, August 05. Let's dive in to see if (TWFG) missed or beat analyst's expectations.Michael Rose
Why TWFG, Inc.’s (TWFG) Stock Is Down 5.38%
As of Thursday, July 30, TWFG, Inc.’s TWFG share price has dipped by 5.38%, which has investors questioning if this is right time to buy.Michael Rose
Why TWFG, Inc.’s (TWFG) Stock Is Up 5.31%
As of Tuesday, July 28, TWFG, Inc.’s TWFG share price has surged by 5.31%, which has investors questioning if this is right time to sell.Rosalio Madrigal
Why TWFG, Inc.’s (TWFG) Stock Is Up 5.14%
As of Friday, June 26, TWFG, Inc.’s TWFG share price has surged by 5.14%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
Financial Summary
| Share Statistics | TWFG | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $373.0 | $6,453.5 | 33% |
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| Shares Out (Mil) | 13.1 | 66.0 | 24% |
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| Institutional Ownership | 91.4% | 81.0% | 59% |
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| Float (Mil) | 11.2 | 66.5 | 21% |
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| Beta | 0.15 | 0.52 | 11% |
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| Avg Daily Volume (000s) | 124 | 218 | 37% |
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| Price Change (52-week) |
3.3% | 89.8% | 47% |
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| Growth | TWFG | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | na | 5.8% | na |
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| Net Income (5yr) | na | 14.3% | na |
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| EPS (5yr) | na | 15.6% | na |
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| Dividends (5yr) | na | 3.1% | 0% |
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| Cash Flow (5yr) | na | (12.2%) | na |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 7 | 6 | 8 | |
| Current EPS | $0.247 | $1.143 | $1.157 | |
| Month Ago EPS | $0.241 | $1.016 | $1.119 | |
| # Rev Up | 1 | 2 | 2 | |
| # Rev Down | 0 | 1 | 0 | |
| Three Months Ago EPS | $0.239 | $1.006 | $1.100 | |
| Year/Year Chg | 37.2% | 115.3% | 139.5% | |
| Financials | TWFG | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $295 | $5,268 | 36% |
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| Net Income (TTM) (Mil) | $9 | $562 | 45% |
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| EPS (TTM) | $0.608 | $2.500 | 55% |
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| Operating Cash Flow (TTM) (Mil) | $61 | $632 | 48% |
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| Net Cash Flow (TTM) (Mil) | ($78) | $6 | 16% |
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| Long-Term Debt (Q1) (Mil) | $5 | $917 | 24% |
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| Enterprise Value (Q1) (Mil) | $522 | $7,912 | 35% |
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| Valuation | TWFG | Industry Median |
Percentile (All Stocks) |
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| P/B | 8.02 | 1.70 | 87% |
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| P/E | 48.2 | 12.1 | 84% |
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| Dividend Yield | 0.0% | 1.1% | 0% |
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| PEG (5yr hist) | na | 0.5 | na |
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| Ratios | TWFG | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 85.9% | 34.7% | 92% |
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| Net Margin | 3.0% | 10.1% | 41% |
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| ROA | 2.5% | 2.4% | 59% |
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| ROE | 14.1% | 14.6% | 69% |
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| Liabilities to Assets | 19.9% | 77.1% | 13% |
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| F-Score | 7 | 6 | 82% |
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TWFG, Inc. did not pass any screens on 8/21/2026.
