TWFG Inc. (Class A) (TWFG) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-01, TWFG Inc. (Class A) (NASDAQ: TWFG) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $27.15 (-0.48% 1D, market cap $1.47B). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, TWFG ranks #248 in composite RQD confidence.
Within the Financials sector (Specialty Insurers), TWFG carries a Roarable C+ (67/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 39.8%. By comparison, STC (Stewart Information Services Corporation) holds a D+ grade (57/100 RQD, P/E 12.0x, ROIC 5.6%, cap $1.39B) and GSHD (Goosehead Insurance Inc. (Class A)) posts a C+ grade (69/100 RQD, P/E 60.7x, ROIC 36.9%, cap $1.69B). Among the 5-stock peer group, STC leads on earnings multiple (12.0x) while LIFE leads on capital efficiency (40.6% ROIC).
Per TWFG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002007596), TWFG Inc. (Class A) generated $248.5M in revenue (+22.0% YoY), $0 in net income, and $53.1M in free cash flow against $372.3M in total assets and $2.0M in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 21.4% FCF Margin ($53.1M FCF) & 52% Gross Margin
FRED Regime × Technicals: 72% of 52W Range • RSI-14 at 54 (NEUTRAL RANGE)
Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)
Even with a 67/100 (C+) score, TWFG faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($26.75) or 200D SMA ($23.10) invalidates the momentum regime and cuts Target Base ($28.25) toward Bear Floor ($22.04).
TWFG Inc. (Class A) (TWFG) slipped -0.48% to $27.15, trading at 72% of its 52-week range ($16.56 – $31.3). Solid steady margins (40% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.
THE WOODLANDS, Texas, Oct. 27, 2026 (GLOBE NEWSWIRE) -- In a release issued under the same headline on Monday, October 26th by TWFG Inc. (NASDAQ: TWFG), please note that both the Access the Call by Webcast and Registrati
THE WOODLANDS, Texas, Oct. 26, 2026 (GLOBE NEWSWIRE) -- TWFG, Inc. (NASDAQ: TWFG), a leading independent insurance distribution platform, announced today that it will release its financial results for the third quarter e
Artificial intelligence spending is still pulling huge orders through chip supply chains, with Japan’s September export data highlighting strong demand for semiconductors and AI related products. That kind of structural
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +22.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on TWFG today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for TWFG. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, TWFG Inc. (Class A) (TWFG) ranks #248 by composite RQD confidence (67/100, grade C+) and #495 by equity capitalization ($1.47B). Within this direct 5-issuer industry benchmark cohort, STC leads on earnings valuation at 12.0x trailing P/E, while LIFE leads on capital efficiency and profitability with 40.6% ROIC and — gross margin. GSHD currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with TWFG at 67/100 (C+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| TWFG
ACTIVE
TWFG Inc. (Class A) | C+ | 67/100 | — | — | 39.8% | -0.48% | $1.47B | Benchmark Subject |
| STC Stewart Information Services Corporation | D+ | 57/100 | 12.0x | — | 5.6% | +2.66% | $1.39B | /stc-vs-twfg → |
| GSHD Goosehead Insurance Inc. (Class A) | C+ | 69/100 | 60.7x | — | 36.9% | +2.74% | $1.69B | /gshd-vs-twfg → |
| OIG Orion180 Insurance Group Inc. (Class A) | D+ | 53/100 | — | — | — | +3.25% | $974.5M | /oig-vs-twfg → |
| LIFE Ethos Technologies Inc. (Class A) | C- | 61/100 | 39.8x | — | 40.6% | +1.85% | $2.83B | /life-vs-twfg → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), TWFG Inc. (Class A) (TWFG) reported GAAP revenue of $248.5M (+22.0% vs. FY2024 revenue of $203.8M , and +44.4% cumulative change since FY2023) , GAAP net income of $0, operating cash flow of $53.5M, and free cash flow of $53.1M (+42.6% YoY). On the balance sheet, TWFG closed FY2025 with $372.3M in total assets against $2.0M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $248.5M | $0 | $53.5M | $53.1M | $372.3M | $2.0M |
| FY2024 (FY) | 2024-12-31 | $203.8M | $2.7M | $40.5M | $37.3M | $323.4M | $4.0M |
| FY2023 (FY) | 2023-12-31 | $172.0M | $0 | $30.2M | $30.2M | — | — |
As of 2026-11-01, TWFG Inc. (Class A) (NASDAQ: TWFG) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $27.15 (-0.48% 1D, market cap $1.47B). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, TWFG ranks #248 in composite RQD confidence.
Within the Financials sector (Specialty Insurers), TWFG carries a Roarable C+ (67/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 39.8%. By comparison, STC (Stewart Information Services Corporation) holds a D+ grade (57/100 RQD, P/E 12.0x, ROIC 5.6%, cap $1.39B) and GSHD (Goosehead Insurance Inc. (Class A)) posts a C+ grade (69/100 RQD, P/E 60.7x, ROIC 36.9%, cap $1.69B). Among the 5-stock peer group, STC leads on earnings multiple (12.0x) while LIFE leads on capital efficiency (40.6% ROIC).
Per TWFG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002007596), TWFG Inc. (Class A) generated $248.5M in revenue (+22.0% YoY), $0 in net income, and $53.1M in free cash flow against $372.3M in total assets and $2.0M in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.. Institutional options positioning shows a 50% call / 50% put premium split.
TWFG last traded at $27.15 (-0.48% on volume of 117,192 shares), positioning the stock +1.50% above its 50-day simple moving average ($26.75) and +17.53% above its 200-day simple moving average ($23.10). Across its 52-week range of $16.56 to $31.30, TWFG sits at the 71.8% percentile with a 14-day RSI of 54.0 (NEUTRAL RANGE) and an implied next-earnings move of ±9.3% ($24.63 to $29.67).
Why TWFG Stock slipped -0.48% Today — RQD Quant Desk Flash. Solid steady margins (40% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.
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