TWFG, Inc. (TWFG)

Nasdaq: TWFG · Insurance Agents, Brokers & Service · The Woodlands, TX · filing with the SEC since 2024

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Grade6.5

◀ Past 6.7● Present 5.5▶ Future 7.8

1 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of TWFG, Inc.

Nine metrics read from its own filings, by tense

Headline grade

6.5/10

◀ Past6.725% of the headline

● Present5.545% of the headline

▶ Future7.830% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

6.7/1025% of the headline grade · 3 of 3 filed

Surviving crises

as filed

7.3/10

Has it survived what it has been through?

No warning events in its filings since 2024.

weight 45% of this tense · 73rd percentile among 30 sector filers · read for itself

From the record

TWFG, Inc.'s filings since 2024 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

7.1/10

What has it actually done, year after year?

+17.3% a year over 4 filed years; profitable in 4 of 4.

weight 33% of this tense · 71st percentile among 29 sector filers · read for its customers

From the record

TWFG, Inc.'s 4 filed years say what it did: revenue went from $154 million in fiscal 2022 to $249 million in fiscal 2025, up 17.3% a year; it rose in 3 of 3 years; it never fell from a peak; net income was positive in 4 of 4 of those years (its annual reports).

What it rests on

revenue growth over the filed span17.3%top 47% of its family
the share of years revenue rosetop 24% of its family
the share of filed years with a profittop 20% of its family
the deepest fall from a revenue peak0.0%top 24% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

4.5/10

How has it treated the people who own it?

Share count grew 0.8% a year. 0% of cash flow returned. Insiders: 0 sales, 12 purchases.

weight 22% of this tense · 45th percentile among 20 sector filers · read for its shareholders

From the record

Over the fiscal year to 2025-12-31, TWFG, Inc.'s diluted share count grew about 0.8% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 12 purchases of their own stock on the open market in the year to 2026-11-10, buying about $3 million (their Form 4 filings).

What it rests on

the share count over the yearstop 31% of its family
cash returned against operating cash flowbottom 22% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.5/1045% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

6.7/10

Is it financially healthy right now?

ROE 49%: 49¢ of profit per shareholder dollar. Leverage 78%: owes 78¢ per asset dollar.

weight 33% of this tense · 67th percentile among 30 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, TWFG, Inc. earned about 49 cents of profit for every dollar of shareholders' money. Leverage: it owed about 78 cents per dollar of assets, and net share issuance: its share count grew 0.8% over the year (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 35% of its family
return on equitytop 2% of its family
the share count against the year beforetop 31% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

5.2/10

How strong is its position in its industry?

top 48% of 30 in its family; net margin 16.6%.

weight 45% of this tense · 52nd percentile among 30 sector filers · read for its customers

From the record

TWFG, Inc.'s standing among 30 graded names in its industry family: revenue of $249 million in fiscal 2025 ranks in the bottom 19% by size; a net margin of 16.6% ranks in the top 22%; revenue growth of 17.3% a year over the last 3 filed years ranks in the top 42% (its annual reports).

What it rests on

revenue against the family$249Mbottom 19% of its family
net margin16.6%top 22% of its family
three-year revenue growth17.3%top 42% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

4.4/10

What are the people in charge doing?

SI estimate 4.4/10, confidence 35 of 100 (one part).

weight 22% of this tense · 44th percentile among 25 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 44% of 25 in its family; the record of its people begins on 2024-07-17 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 2.3 years and cannot see past it; a floor under five years is not read as years in charge.
What the record cannot read: The record of its people begins on 2024-07-17 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 2.3 years and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: one part: officer and director changes on Form 8-K, against the people in charge, the one part on file, ranked among 25 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: TWFG, Inc.'s leadership is put at 4.4 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 44% of 25 in its family; the record of its people begins on 2024-07-17 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 2.3 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

7.8/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed

8.7/10

How much room does it have to grow?

top 13% of 29 in its family for room to expand.

weight 33% of this tense · 87th percentile among 29 sector filers · read for itself

From the record

TWFG, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $168 million against debt of $2 million leaves 44.5% of its assets as net cash, top 5% of its family; cash from operations less capital spending is 21.4% of revenue (top 22%) (its annual report).

What it rests on

cash less debt against assets44.5%top 5% of its family
cash from operations less capital spending against revenue21.4%top 22% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

7.2/10

What could actually drive growth from here?

top 28% of 29 in its family for growth drivers.

weight 33% of this tense · 72nd percentile among 29 sector filers · read for its customers

From the record

TWFG, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 17.3% a year over the last three filed years against 17.3% over all 4, speeding up (top 43% of its family); the newest year grew 22% (top 29%); capital spending grew 45.7% a year (top 11%) (its annual reports). TWFG, Inc. reported 10 product lines in fiscal 2025: Agency at $153 million (62%), TWFGMGA at $51 million (21%), Contingent Income at $13 million (5%), and 7 more; 10 of 10 grew against the year before (its annual report).

What it rests on

three-year growth against the whole span+0.0 points a yeartop 43% of its family
the newest year's revenue growth22.0%top 29% of its family
three-year growth of capital spending45.7%top 11% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

7.4/10

Did its newest year beat what its own record pointed to?

top 26% of 25 in its family for expectations against reality.

weight 33% of this tense · 74th percentile among 25 sector filers · read for its shareholders

From the record

TWFG, Inc.'s newest year against its own record: revenue of $249 million in fiscal 2025 came in 6% above the $234 million its prior three years' pace pointed to (top 10% of its family); net income of $41 million against a prior three-year average of $25 million (top 30%); a net margin of 16.6% against 14.2% before (top 38%) (its annual reports).

What it rests on

revenue against the prior three years' pace6.0%top 10% of its family
net income against the prior three years' average+64%top 30% of its family
net margin against its prior average+2.4 pointstop 38% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton TWFG · research, not advice