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

$282.24M

PER (TTM)

35.4

19.3

配当利回り

52週高値

$36.85

52週安値

$16.56

52週レンジ

11%

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

$62.54M+0.00%

直近4四半期の推移

EPS

-$0.16+0.00%

直近4四半期の推移

フリーCF

$13.06M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Total Revenue Growth Total revenues reached $248.5M USD, marking a 22.0% increase over 2024 results driven by acquisitions.

Net Income Surge Net income grew substantially to $41.2M USD, up 44% from $28.6M USD last year, showing strong profitability.

Premium Volume Expansion Total Written Premium hit $1.73B USD, supported by 11.6% Organic Revenue Growth across existing agencies.

Margin Improvement Adjusted EBITDA Margin improved to 26.9% USD, showing strong operating leverage versus 22.3% reported in 2024.

リスク要因

Macroeconomic Sensitivity Business performance highly correlates with economic conditions, inflation, and interest rates impacting demand for services.

Carrier Concentration Risk Reliance on five key insurance carriers accounted for 40.1% of Total Written Premium in 2025, posing concentration risk.

Concentrated Voting Control Control concentrated with Bunch Holdings (94% voting power) may conflict with minority stockholder interests on transactions.

Cybersecurity System Failure Business depends on IT systems; breaches or failures could cause operational disruption and significant reputational harm.

見通し

Agent Recruitment Strategy Strategy focuses on attracting experienced agents and providing succession planning pathways for existing agency principals.

Specialty Product Expansion Expanding reach in specialty distribution through wholesale and MGA channels to broaden overall insurance offerings.

Share Repurchase Program Board authorized a share repurchase program up to $50M USD of outstanding Class A common stock for capital return.

Technology Investment Focus Continued investment in technology, including AI integration, to enhance operational efficiency and support platform scalability.

同業比較

売上高 (TTM)

SLQT

$1.62B

+11.1%

GLRE

$696.35M

+8.3%

$645.57M

+9.7%

粗利益率 (最新四半期)

GBLI

148.1%

+1.4pp

GLRE

122.8%

-1.6pp

SLQT

116.7%

-12.8pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
GLRE	$628.70M	8.4	11.1%	0.3%
VBNK	$515.36M	22.3	5.9%	1.7%
CWBC	$466.20M	12.1	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

6.5%

安定成長

4四半期純利益CAGR

30.1%

収益性の大幅な改善

キャッシュフロー安定性

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年5月9日

EPS:-

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