TWFG, Inc.
TWFGFinancial ServicesNASDAQInsurance Brokers
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Daily timeframeTWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. At a $372.1M market cap, TWFG, Inc. ranks as a small-cap company within financial services. The company offers auto, home, renters, life, health, motorcycle, umbrella, boat, recreational vehicle, flood, wind, event, luxury item, general liability, property, business auto, workers' compensation, business owner policy, and professional liability insurance products, as well as commercial bonds and group benefits.
Market Cap
$372.1M
Beta
0.18
P/E (TTM)
48.15
P/E (Fwd)
24.96
EPS (TTM)
$0.60
EPS (Fwd)
$1.16
ROE
19.3%
ROA
9.6%
Cash
$73.7M
Total Debt
$8.5M
Free CF
-$32.7M
52W Change
16.1%
Annual Financials
Cash vs Debt
Where TWFG stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, TWFG finished 35.88% above its 150-day moving average ($22.13) and 27.79% above its 200-day moving average ($23.53). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is TWFG overbought or oversold?
At the September 3, 2026 close, TWFG's RSI(14) was 64.3, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
TWFG, Inc. holds $73.7M in cash against $8.5M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. The company is burning cash, with free cash flow at -$32.7M. This typically occurs when a company is investing aggressively in growth, but sustained cash burn can strain the balance sheet. Return on equity stands at 19.3%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. An ROA of 9.6% suggests reasonable efficiency in deploying the company's asset base. Revenue has grown from $147.8M (2022) to $234.0M (2025), reflecting a 58% increase over the period.
The relatively low beta of 0.18 suggests TWFG is a less volatile holding compared to the broader index. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. Negative free cash flow means the company is currently spending more than it generates, which may require future fundraising or debt if the trend continues. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing TWFG.