NASDAQ: TWFG
Twfg Inc Stock

$25.84-0.67 (-2.53%)
Updated Sep 5, 2025
TWFG Price
$25.84
Fair Value Price
$50.06
Market Cap
$1.45B
52 Week Low
$24.75
52 Week High
$36.85
P/E
63.02x
P/B
18.45x
P/S
2.39x
PEG
1.99x
Dividend Yield
N/A
Revenue
$218.31M
Earnings
$6.04M
Gross Margin
42.4%
Operating Margin
4.34%
Profit Margin
2.8%
Debt to Equity
0.69
Operating Cash Flow
$49M
Beta
0.6
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A

TWFG Overview

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 founded in 2001 and is based in The Woodlands, Texas. TWFG, Inc. operates as a subsidiary of Bunch Family Holdings, LLC.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine TWFG's potential to beat the market

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More

Zen Rating Component Grades

C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Insurance

Industry Rating
F
TWFG
Ranked
#8 of 18

Top Ranked Stocks in Industry

Name / TickerPriceZen Rating
$10.87B
$85.48C
$203.74C
View Top Insurance Stocks

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Overview

Due Diligence Score

Industry Average (37)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how TWFG scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

TWFG ($25.84) is undervalued by 48.38% relative to our estimate of its Fair Value price of $50.06 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
TWFG ($25.84) is significantly undervalued by 48.38% relative to our estimate of its Fair Value price of $50.06 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
TWFG ($25.84) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 30 more TWFG due diligence checks available for Premium users.

Valuation

TWFG fair value

Fair Value of TWFG stock based on Discounted Cash Flow (DCF)

Price
$25.84
Fair Value
$50.06
Undervalued by
48.38%
TWFG ($25.84) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
TWFG ($25.84) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
TWFG ($25.84) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

TWFG price to earnings (PE)

For valuing profitable companies with steady earnings

Company
63.02x
Industry
48.5x
Market
35.5x
TWFG is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
TWFG is poor value based... subscribe to Premium to read more.
P/E vs Market Valuation

TWFG price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
18.45x
Industry
4.87x
TWFG is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

TWFG price to earnings growth (PEG)

For valuing profitable companies with growth potential

TWFG is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

TWFG's financial health

Profit margin

Revenue
$60.3M
Net Income
$2.0M
Profit Margin
3.2%
TWFG's Earnings (EBIT) of $9.47M... subscribe to Premium to read more.
Interest Coverage Financials
TWFG's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$342.8M
Liabilities
$53.9M
Debt to equity
0.69
TWFG's short-term assets ($208.53M) exceed... subscribe to Premium to read more.
Short-term Liabilities Financials
TWFG's short-term assets ($208.53M) exceed... subscribe to Premium to read more.
Long-term Liabilities Financials
TWFG's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$9.6M
Investing
-$35.5M
Financing
-$11.4M
TWFG's operating cash flow ($48.59M)... subscribe to Premium to read more.
Debt Coverage Financials

TWFG vs Insurance Stocks

TickerZen RatingMarket Cap1d %P/EP/B
TWFGC$1.45B-2.53%63.02x18.45x
CRD.AB$539.59M-1.18%17.82x3.05x
SLQTC$357.73M-2.36%14.79x1.02x
KGC$200.05M-0.58%N/A1.33x
GOCOF$137.61M-1.64%-1.88x0.72x

Twfg Stock FAQ

What is Twfg's quote symbol?

(NASDAQ: TWFG) Twfg trades on the NASDAQ under the ticker symbol TWFG. Twfg stock quotes can also be displayed as NASDAQ: TWFG.

If you're new to stock investing, here's how to buy Twfg stock.

What is the 52 week high and low for Twfg (NASDAQ: TWFG)?

(NASDAQ: TWFG) Twfg's 52-week high was $36.85, and its 52-week low was $24.75. It is currently -29.88% from its 52-week high and 4.4% from its 52-week low.

How much is Twfg stock worth today?

(NASDAQ: TWFG) Twfg currently has 56,176,925 outstanding shares. With Twfg stock trading at $25.84 per share, the total value of Twfg stock (market capitalization) is $1.45B.

Twfg stock was originally listed at a price of $22.01 in Jul 18, 2024. If you had invested in Twfg stock at $22.01, your return over the last 1 years would have been 17.4%, for an annualized return of 17.4% (not including any dividends or dividend reinvestments).

How much is Twfg's stock price per share?

(NASDAQ: TWFG) Twfg stock price per share is $25.84 today (as of Sep 5, 2025).

What is Twfg's Market Cap?

(NASDAQ: TWFG) Twfg's market cap is $1.45B, as of Sep 9, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Twfg's market cap is calculated by multiplying TWFG's current stock price of $25.84 by TWFG's total outstanding shares of 56,176,925.
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.