TWFG, Inc. Common Stock (TWFG) is a Financials stock trading at $28.72 (as of 2026-09-01), with a market capitalization of $376.13M and a trailing P/E of 10.3. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. It distributes a range of coverages, including personal lines (such as auto, home, renters, life, and health) and commercial lines (such as general and professional liability, business auto, workers’ compensation, and property), along with commercial bonds and group benefits.
TWFG is a U.S. independent insurance distributor selling personal and commercial policies (auto, home, life, workers comp, and more) through independent agents and corporate branches, earning commissions as the intermediary between carriers and policyholders. Growth hinges on adding independent agents to its network and scaling its tech-enabled Agency-in-a-Box franchise, with notable exposure to catastrophe markets like Florida.
TWFG underwrites no risk itself; it monetizes the carrier-to-policyholder relationship by taking a commission on every premium that flows through its agent network, so profit is a pure function of agent count, premium retention, and commission rates set by upstream carriers.
Business quality (Solid): A solid distribution model with 20% operating margins and a growing agent base, but a 3% return on equity and a 52x multiple signal the market is paying for flawless execution for years to come.
Valuation: At 52× earnings, TWFG trades 299% above the Insurance average (13×).
| Price | $28.72 |
| Market Cap | $376.13M |
| P/E Ratio | 10.3 |
| EV / EBITDA | 4.2 |
| Price / Book | 1.43 |
| Price / Sales | 1.28 |
| FCF Yield | 14.1% |
| DCF Value (model) | $57.27 |
| DCF Upside vs Price | 99.4% |
| Revenue (TTM) | $248.51M |
| Net Margin | 16.6% |
| Revenue Growth (YoY) | 45.1% |
| EPS Growth (YoY) | 38.5% |
| FCF Growth (YoY) | -2.7% |
| Altman Z-Score | 5.20 (safe) |
| Stock P/E | 10.3 |
| Sector P/E (Financials) | 14.9 |
| Industry P/E (Insurance) | 12.1 |
| vs Sector | -30.9% |
| vs Industry | -15.1% |
| Top Institutional Holder | T. Rowe Price Investment Management, Inc. ($38.61M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Insurance |
| CEO | Richard Finley Bunch |
| Employees | 293 |
| Country | US |
| IPO Date | 2024-07-18 |
Data as of 2026-09-01.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.