TWFG, Inc.

NASDAQ•TWFG

CEO: Mr. Richard Finley Bunch III

セクター: Financial Services

業種: Insurance - Brokers

上場日:

TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. Its personal and commercial insurance products include 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. The company was founded in 2001 and is based in The Woodlands, Texas. TWFG, Inc. operates as a subsidiary of Bunch Family Holdings, LLC.

連絡先情報

1201 Lake Woodlands Drive, Suite 4020, The Woodlands, TX, 77380, United States

281-367-3424

www.twfg.com

時価総額

$298.77M

PER (TTM)

38.9

19.4

配当利回り

52週高値

$36.85

52週安値

$16.56

52週レンジ

16%

順位18Top 5.0%

6.3

F-Score

改良版 Piotroski 分析

3年ファンダメンタル

強い • 6.3 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2023-2025

財務ダッシュボード

Q4 2025 データ

売上高

$80.10M+0.00%

直近4四半期の推移

EPS

-$0.18+0.00%

直近4四半期の推移

フリーCF

$0.00+0.00%

直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Nine Month Revenue Growth Total revenues reached $178.25M for nine months, marking a 17.3% increase over prior period results.

Net Income Attributable Jump Net income attributable to TWFG, Inc. was $5.02M for nine months, significantly higher than $1.15M reported previously.

Commission Income Expansion Commission income grew $22.2M, or 15.9%, driven by organic growth and recent 2025 acquisitions activity.

Diluted EPS Improvement Diluted EPS for nine months rose to $0.34 from $0.08, reflecting improved profitability post-IPO structure.

リスク要因

Operating Expense Increase Total operating expenses rose 19.0% to $156.13M for nine months, outpacing operating income growth.

Cash Position Decline Cash and equivalents decreased $44.8M to $151.0M due to $54.2M paid for acquisitions and member distributions.

Intangible Asset Amortization Amortization expense increased 40.4% to $12.59M for nine months, driven by recent asset acquisitions costs.

Contingent Acquisition Liability Potential $5.0M earn-out payment for Florida MGA acquisition expected in Q4 2025 based on performance metrics.

見通し

Liquidity Sufficient Next Year Management believes existing liquidity covers working capital and capital needs for at least the next 12 months.

Integrating Recent Acquisitions Focus on realizing benefits from recent customer list, software, and TWFG MGA FL, LLC acquisitions completed in 2025.

Adopting New Tax Disclosures Company plans to adopt ASU 2023-09 regarding income tax disclosures at year-end December 31, 2025.

Future Capital Market Access Potential to access equity or debt financing in the future to fund acquisitions or manage timing differences.

同業比較

売上高 (TTM)

SLQT

$1.62B

+11.1%

GLRE

$654.63M

-1.0%

$645.57M

+9.7%

粗利益率 (最新四半期)

TWFG

295.4%

+4.3pp

SLQT

116.7%

-12.8pp

BMRC

86.6%

+15.9pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
VBNK	$499.95M	23.7	5.4%	1.9%
GLRE	$489.66M	-259.7	-0.3%	1.6%
CWBC	$448.93M	11.7	9.8%	3.9%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

15.6%

高成長

4四半期純利益CAGR

25.7%

収益性の大幅な改善

キャッシュフロー安定性

75%

キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年3月18日

EPS:$0.18

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし