TWFG, Inc. (TWFG) — Stock Score Summary

TWFG, Inc. (TWFG) has a MoatMap StockRank of 47/100 based on Quality (73/100), Value (33/100), and Momentum (27/100) factor scores. The current signal is HOLD. TWFG is an asset-light insurance broker with high quality metrics (Q: 73) that benefits from the 'hard' insurance market. As premiums rise globally due to increased climate and geopolitical risks, brokers take a direct cut of higher premiums without taking underwriting risk, creating a strong cash-generative profile. However, as a recent IPO with limited public history, we prefer to monitor it.

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.

Key Financial Metrics

Price$18.60
Market Cap$244M
P/E (TTM)33.84
P/E (Forward)17.23
Price/Book3.88
Return on Equity16.2%
Return on Invested Capital13.6%
Debt/Equity2.78
Gross Margin85.3%
Operating Margin17.0%
Revenue Growth35.3%
Free Cash Flow$-42M

TWFG, Inc. operates in the Insurance Brokers industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is TWFG, Inc.’s (TWFG) StockRank?
MoatMap’s StockRank for TWFG, Inc. (TWFG) is 47/100, with a Hold signal. It is a composite of Quality (73), Value (33), and Momentum (27) factor ranks across MoatMap’s 19,000+ stock universe.
Does TWFG, Inc. have an economic moat?
TWFG, Inc. (TWFG) has a Quality factor score of 73/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is TWFG, Inc. a buy, hold, or sell?
MoatMap’s current signal for TWFG, Inc. (TWFG) is Hold, based on a StockRank of 47/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is TWFG, Inc. in?
TWFG, Inc. (TWFG) operates in the Financial Services sector, specifically the Insurance Brokers industry (United States).
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