TWFG · TWFG, Inc.
Price & Indicators
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Metrics snapshot
Useful current figures from the complete screener profile.
AI Brief
Q2 FY26 earnings call · Aug 6, 2026TL;DR. TWFG delivered Q2 2026 total revenue growth of 45.1% to $87.5 million with adjusted EBITDA margin expanding 530 bps to 30.4%, and raised full-year 2026 guidance for total revenues ($300–$320M), organic revenue growth (13–17%), and adjusted EBITDA margin (23–27%).
- + Raised full-year 2026 guidance: total revenues to $300–$320M, organic revenue growth to 13–17%, and adjusted EBITDA margin to 23–27%.
- + MGA channel commission income grew 290% and now represents 35% of total revenues, driving structurally higher margins.
- + Share repurchase program is nearly complete with ~$42.9M repurchased at an average $19/share, retiring ~15% of pre-program Class A shares.
- + Strong liquidity of ~$142.7M including $73.7M unrestricted cash plus $50M unused revolver, with only $3M term debt.
- − Personal auto pricing continues to decline with mid-single-digit decreases in certain sub-segments, pressuring industry rates.
- − Q4 2026 organic growth expected to be roughly flat due to difficult MGA Florida takeout renewal comps from prior-year runoff.
- − Q2 operating cash flow was $9.8M, only marginally above the $9.6M prior-year quarter, despite strong profit growth.
- − Near-term MGA Florida margin benefit from takeout runoff period is expected to normalize as policies renew with full-term commissions.
- − Other administrative expenses rose 59.0% to $8.6M, driven by acquisitions and ongoing technology and public-company infrastructure investments.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders NeutralIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
Versus peers
Insurance Brokers — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
TWFG
this stock
TWFG, Inc.
|
$1.44B | -7.2% | +22.0% | 43.8 | 1.1% |
|
MRSH
Marsh & Mclennan Companies, Inc.
|
$84.42B | -4.6% | +10.3% | 21.6 | 1.4% |
|
AON
Aon plc
|
$64.21B | -14.2% | +7.7% | 16.7 | 1.8% |
|
AJG
Arthur J. Gallagher & Co.
|
$61.59B | -7.1% | +10.1% | 39.9 | 2.6% |
|
WTW
Willis Towers Watson PLC
|
$29.31B | -4.0% | -2.2% | 19.6 | 2.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| TWFG | -8.9% | -0.9% | +44.7% | -7.4% | -7.2% |
| SPY | -1.2% | -1.8% | +17.8% | -0.4% | +12.1% |
| vs SPY | -7.7% | +0.9% | +26.9% | -7.1% | -19.3% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.