Stock Ratings / Financials / TWFG / options

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TWFG Inc. (Class A) (TWFG) Options Positioning, Max Pain & Unusual Sweeps

$27.15 -0.48% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

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.

ROARABLE C+ • HOLD / WATCH Cap $1.47B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+4.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TWFG)Realized 20D OHLCV Swing Band: ±9.3%

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±9.3%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (TWFG)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for TWFG.

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Whale Flow & Momentum Playbook: Evaluating TWFG & AI Leaders Without Chasing Tops

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TWFG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +46.12%▼ DESCENDING CHANNEL

2026-10-30O $27.50H $27.50L $26.38C $27.15VOL 227.1K

RES: $29.06SUP: $22.76SMA50: $26.75SMA200: $23.10

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TWFG Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TWFG Butterfly Map → + Track TWFG →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

32.9%/yr Implied 5Y Growth

vs. +22.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on TWFG today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TWFG. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for TWFG today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TWFG)

Financials Rank #248 of 1096 ⚔️ STC vs TWFG Full Matrix →

1. Head-to-Head Financials Peer Comparison (TWFG vs. STC, GSHD, OIG, LIFE)

Industry: Specialty Insurers (33 Tracked Issuers)

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 →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0002007596

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	—	—

3. TWFG Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TWFG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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.

How does TWFG compare to STC and GSHD in the Financials sector?

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).

What are the biggest fundamental strengths and SEC risk factors for TWFG?

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.

Where is TWFG trading relative to its 50-day, 200-day, and 52-week technical levels?

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).

TWFG Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is TWFG's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for TWFG.

Direct Sub-Reports: TWFG RQD Cockpit TWFG 12M Forecast TWFG Earnings & Move TWFG Dividends & DRIP TWFG Insiders & 13F TWFG Whale Options TWFG Profit Sankey TWFG News & Why