Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
TWFG
HOLDTWFG, Inc. · Financial Services · United States · $342M · Avg Vol: $4M/d
COMPANY DESCRIPTION
TWFG, Inc. (The Woodlands Financial Group) is a prominent independent insurance agency and brokerage, offering a wide array of personal, commercial, and financial insurance products through its extensive network of agents. Its competitive moat is established through strong relationships with numerous insurance carriers and a widespread local presence, providing clients with diverse options and personalized service. TWFG acts as a key intermediary in the fragmented insurance market, connecting consumers with tailored coverage solutions.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 147.8M | 167.0M | 193.7M | 234.0M | 16.5% | 267.5M | 283.8M | 329.6M | 18.7% |
| EPS | 0.00 | 0.00 | 0.19 | 0.51 | 168.4% | 0.56 | 0.59 | 0.65 | 12.8% |
| Shares | 13.2M | 13.2M | 14.8M | 15.0M | +14.2% | 13.0M | — | — | — |
| Debt | 13.3M | 51.8M | 10.3M | 8.2M | -14.8% | 8.5M | — | — | — |
| Equity | 57.8M | 31.1M | 73.9M | 83.4M | 13.0% | — | — | — | — |
| Op CF | 25.8M | 30.2M | 40.5M | 53.5M | 27.6% | 60.6M | — | — | — |
| Inv CF | -14.5M | -14.7M | -25.1M | -70.4M | — | — | — | — | — |
| Fin CF | -15.3M | -9.7M | 143.4M | -20.5M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of TWFG are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| TWFG | TWFG, Inc.(you) | $342M | 64 | HOLD |
| CRD-A | Crawford & Company | $536M | 61 | HOLD |
| SLQT | SelectQuote, Inc. | $114M | 47 | HOLD |
| NP | Neptune Insurance Holdings Inc. | $4.1B | 58 | HOLD |
| GSHD | Goosehead Insurance, Inc. | $2.1B | 38 | HOLD |
| LIFE | Ethos Technologies Inc. | $1.8B | 34 | SELL |
| EHTH | eHealth, Inc. | $53M | 38 | HOLD |
| CRVL | CorVel Corporation | $3.1B | 32 | SELL |
| BWIN | The Baldwin Insurance Group, Inc. | $2.6B | 19 | STRONG SELL |
| ERIE | Erie Indemnity Company | $11.7B | 40 | HOLD |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%