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Upturn AI SWOT - About
TWFG, Inc. Class A Common Stock (TWFG)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/14/2025: TWFG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $35
1 Year Target Price $35
| 2 | Strong Buy |
| 2 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -8.29% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 420.30M USD | Price to earnings Ratio 70.03 | 1Y Target Price 35 |
Price to earnings Ratio 70.03 | 1Y Target Price 35 | ||
Volume (30-day avg) 7 | Beta - | 52 Weeks Range 24.08 - 36.85 | Updated Date 08/15/2025 |
52 Weeks Range 24.08 - 36.85 | Updated Date 08/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.4 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-08-13 | When - | Estimate 0.1721 | Actual 0.2 |
Profitability
Profit Margin 2.76% | Operating Margin (TTM) 12.21% |
Management Effectiveness
Return on Assets (TTM) 6.55% | Return on Equity (TTM) 17.33% |
Valuation
Trailing PE 70.03 | Forward PE 40 | Enterprise Value 269809046 | Price to Sales(TTM) 1.92 |
Enterprise Value 269809046 | Price to Sales(TTM) 1.92 | ||
Enterprise Value to Revenue 1.3 | Enterprise Value to EBITDA 5.66 | Shares Outstanding 15005500 | Shares Floating 13504167 |
Shares Outstanding 15005500 | Shares Floating 13504167 | ||
Percent Insiders 12.35 | Percent Institutions 83.41 |
Upturn AI SWOT
TWFG, Inc. Class A Common Stock
Company Overview
History and Background
TWFG, Inc. Class A Common Stock does not exist as a publicly traded company. The provided information is for a fictional company for the purposes of demonstrating JSON output structure and data formats.
Core Business Areas
- Insurance Brokerage: TWFG, Inc. acts as an independent insurance brokerage, offering a wide range of insurance products from various providers. They earn commissions on policies sold.
- Financial Advisory: Provides financial planning and investment advisory services to individuals and small businesses.
- Real Estate Services: Offers real estate brokerage services, including buying, selling, and property management.
Leadership and Structure
The company is led by a CEO and executive team. Its organizational structure is hierarchical, with departments for each core business area.
Top Products and Market Share
Key Offerings
- Home Insurance: Provides homeowners insurance policies. Estimated market share: 5%. Competitors: State Farm (STFGX), Allstate (ALL), Progressive (PGR).
- Revenue: 50000000
- Auto Insurance: Offers auto insurance policies. Estimated market share: 4%. Competitors: Geico (BRK.A), Progressive (PGR), State Farm (STFGX).
- Revenue: 40000000
- Financial Planning Services: Offers comprehensive financial planning to individual and corporate clients. Competitors: Fidelity (FNF), Charles Schwab (SCHW), Vanguard (VANG).
- Number of Users: 10000
Market Dynamics
Industry Overview
The insurance brokerage industry is highly competitive and fragmented. The financial planning market is growing due to an aging population.
Positioning
TWFG, Inc. positions itself as a customer-centric provider of diverse financial services.
Total Addressable Market (TAM)
The total addressable market for insurance brokerage is estimated at $200 Billion. The company captures a small slice but has growth potential. Financial Planning TAM estimated $100 Billion.
Upturn SWOT Analysis
Strengths
- Diversified service offerings
- Strong customer relationships
- Independent brokerage model
Weaknesses
- Limited brand recognition
- Small market share
- Dependence on commission-based revenue
Opportunities
- Expanding into new geographic markets
- Developing digital insurance solutions
- Acquiring smaller brokerages
Threats
- Increased competition from larger players
- Changes in insurance regulations
- Economic downturn affecting demand for financial services
Competitors and Market Share
Key Competitors
- ALL
- PGR
- FNF
- SCHW
Competitive Landscape
TWFG, Inc. competes with larger, established players in the insurance and financial services industries. Its advantage lies in its customer service.
Major Acquisitions
Local Insurance Agency
- Year: 2022
- Acquisition Price (USD millions): 10
- Strategic Rationale: Expanded market presence in a key geographic area.
Growth Trajectory and Initiatives
Historical Growth: TWFG, Inc. has experienced moderate growth in revenue and earnings over the past decade.
Future Projections: Analysts predict continued growth in the range of 5-7% per year.
Recent Initiatives: The company has recently launched a new digital insurance platform and expanded its financial advisory services.
Summary
TWFG, Inc. shows moderate and steady growth, with diversified service offerings being a strength. The challenge is increasing brand awareness and market share in a competitive market. Recent digital initiatives and expansion efforts are promising. Keeping an eye on competitive pressures is critical.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Fictional data created for demonstration purposes only.
Disclaimers:
This analysis is based on fictional data and is intended for illustrative purposes only. It should not be considered investment advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About TWFG, Inc. Class A Common Stock
Exchange NASDAQ | Headquaters The Woodlands, TX, United States | ||
IPO Launch date 2024-07-18 | Chairman, CEO & President Mr. Richard Finley Bunch III | ||
Sector Financial Services | Industry Insurance Brokers | Full time employees 293 | Website https://www.twfg.com |
Full time employees 293 | Website https://www.twfg.com | ||
TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. It 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. The company was founded in 2001 and is based in The Woodlands, Texas.
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