TWFG, Inc. Common Stock

TWFG

Insurance - Brokers · Financial Services

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Strong

Growth

Mixed

Cash Flow

Exceptional

Stability

Exceptional

Valuation

Good

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Winston Score History

The full picture

TWFG, Inc. is an insurance brokerage firm based in Texas. It helps individuals and businesses find and buy insurance policies — things like home, auto, and commercial coverage — by connecting customers with a wide range of insurance carriers. Rather than selling its own insurance, TWFG acts as a middleman, working through a network of independent agents across the United States.

The company earns money by collecting commissions when it places policies with insurance carriers on behalf of customers. TWFG operates primarily in the southern United States, with Texas as its core market, though it has been expanding its agent network nationally. Its competitive edge comes from its large network of independent agents and the variety of carriers it can access, giving customers more options than a single-carrier insurer could offer. The main growth driver is continued expansion of its agent network, while its main risk is sensitivity to insurance market cycles and competition from larger, better-funded brokerages.

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

+51.2% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

-65.3% YoY

YoY Growth Rate

Earnings declining

Insider Activity

13.0%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$74M 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 51% 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

Profit per sale

Gross Margin

35.3%

Modest — 35.3% gross margin

Profit after running costs

Operating Margin

20.1%

Excellent — 20.1% operating margin

Return on the money invested

ROCE

94.6%

Exceptional — 94.6% return on capital

ROIC above 25%. Every dollar invested in the business earns more than 25 cents back per year.

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Growth

Sales growth

Sales YoY

+37.3%

Fast-growing sales (+37.3% YoY)

Profit growth

EPS YoY

-22.1%

Earnings shrinking (-22.1% YoY)

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

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash

Cash Conversion

691%

Turns 691% of profit into real cash

Spare cash per sale

FCF Margin

15.8%

Converts sales into free cash efficiently (15.8%)

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

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Stability

What it owes vs what it owns

Debt / Equity

0.07

Conservative — low debt load (0.07)

Covers its interest

Interest Cover

182.39x

Comfortably covers interest (182.4x)

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

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Valuation

Price vs profit

P/E Ratio (TTM)

48.3x

no trend

Expensive — P/E 48.3

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

Cheaper or dearer next year

P/E vs Forward

+21.7

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (48.3 → 26.5)

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Dividends

Not applicable for this business.

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