TWFG, Inc. Common Stock

TWFG

Insurance - Brokers · Financial Services

Price

$26.35

-0.18 (-0.68%)

Market Cap

$342.5M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−91.1% over 3y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 631.8M (2022) → 56.3M (2025)

TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. Its personal and commercial insurance products include 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. The company was

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+40.6% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+33.3% YoY

YoY Growth Rate

Strong earnings growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

12.8%ownership

↑ Rising

Insiders increasing their stake — aligned with shareholders

Cash Position

Cash flow positive

$125M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

TWFG, Inc. Common Stock grew revenue 41% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

32.2%

Modest — 32.2% gross margin

Operating Margin

17.0%

Healthy — 17.0% operating margin

ROCE

16.7%

Strong — 16.7% return on capital

ROIC between 15% and 25%. Every dollar invested in the business earns 15 to 25 cents back per year.

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Growth

Sales YoY

+27.0%

Fast-growing sales (27.0% YoY)

EPS YoY

-30.9%

Earnings shrinking (-30.9% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

723%

Turns 723% of profit into real cash

FCF Margin

17.7%

Converts sales into free cash efficiently (17.7%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.07

Conservative — low debt load (0.07)

Interest Cover

136.41x

Comfortably covers interest (136.4x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

47.1x

Expensive — P/E 47.1

P/E over 35. The market is pricing in heavy, sustained growth.

P/E vs Forward

+21.8

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (47.1 → 25.2)

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Dividends

Not applicable for this business.

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