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Upturn AI SWOT - About
TWFG 
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
10/15/2025: 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 $32.67
1 Year Target Price $32.67
| 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 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 386.09M USD | Price to earnings Ratio 64.33 | 1Y Target Price 32.67 |
Price to earnings Ratio 64.33 | 1Y Target Price 32.67 | ||
Volume (30-day avg) 7 | Beta - | 52 Weeks Range 23.52 - 36.85 | Updated Date 10/17/2025 |
52 Weeks Range 23.52 - 36.85 | Updated Date 10/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.4 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 64.33 | Forward PE 30.86 | Enterprise Value 261556041 | Price to Sales(TTM) 1.77 |
Enterprise Value 261556041 | Price to Sales(TTM) 1.77 | ||
Enterprise Value to Revenue 1.26 | Enterprise Value to EBITDA 5.49 | Shares Outstanding 15005464 | Shares Floating 13509869 |
Shares Outstanding 15005464 | Shares Floating 13509869 | ||
Percent Insiders 12.35 | Percent Institutions 84.69 |
Upturn AI SWOT
TWFG, Inc. Class A Common Stock
Company Overview
History and Background
There is no publicly traded company with the ticker TWFG, Inc. Class A Common Stock. Therefore, a historical background and evolution cannot be provided. The analysis that follows will have to be simulated based on a hypothetical company.
Core Business Areas
- Personal Lines Insurance: Offers auto, home, and renters insurance policies. This is the largest revenue stream.
- Commercial Lines Insurance: Provides business liability, property, and workers' compensation insurance. This segment targets small to medium-sized enterprises.
- Financial Services: Includes life insurance, annuities, and retirement planning services, providing a more holistic financial solution.
Leadership and Structure
Hypothetical structure: CEO reports to a Board of Directors. Departments include sales, marketing, underwriting, claims, finance, and IT. Regional VPs manage sales teams in different geographic areas.
Top Products and Market Share
Key Offerings
- Auto Insurance: Provides comprehensive auto insurance policies. Competitors include GEICO (BRK.A), State Farm (private), and Progressive (PGR). Hypothetical market share: 10% of the auto insurance market.
- Homeowners Insurance: Offers homeowners insurance policies. Competitors include Allstate (ALL), Liberty Mutual (private), and Travelers (TRV). Hypothetical market share: 8% of the homeowners insurance market.
- Business Liability Insurance: Offers insurance protection to small business owners from personal injury or property damage lawsuits. Competitors include The Hartford (HIG) and Chubb (CB).
Market Dynamics
Industry Overview
The insurance industry is highly competitive and heavily regulated. Key trends include the rise of digital insurance (insurtech), increasing frequency of natural disasters, and evolving consumer preferences.
Positioning
TWFG, Inc. Class A Common Stock aims to be a customer-centric insurance provider, leveraging technology to offer competitive rates and personalized service.
Total Addressable Market (TAM)
The US insurance market is estimated at $1.3 trillion. TWFG, Inc. Class A Common Stock is positioned to capture a growing share through digital transformation and customer focus.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Extensive distribution network
- Customer-centric approach
- Competitive pricing
Weaknesses
- Reliance on legacy systems
- High customer acquisition costs
- Limited international presence
- Relatively high debt levels
Opportunities
- Expand into new geographic markets
- Develop new insurance products and services
- Leverage technology to improve efficiency
- Acquire smaller competitors
Threats
- Increased competition from insurtech companies
- Rising claims costs due to natural disasters
- Changes in government regulations
- Economic downturn
Competitors and Market Share
Key Competitors
- BRK.A
- ALL
- PGR
- TRV
- HIG
Competitive Landscape
TWFG, Inc. Class A Common Stock faces intense competition. It must differentiate itself through superior customer service and innovative products.
Major Acquisitions
Acquired Company Name
- Year: 2022
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expanded market share in the Southeast region.
Growth Trajectory and Initiatives
Historical Growth: Hypothetical data. Average revenue growth of 5% over the past 5 years.
Future Projections: Analyst estimates project revenue growth of 6% per year over the next 5 years.
Recent Initiatives: Investments in digital transformation, expansion into new markets, and development of new insurance products.
Summary
TWFG, Inc. Class A Common Stock shows signs of stability. The company must adapt to the changing insurance landscape to secure future success. While its growth in revenue shows the company is strong and stable, it will have to keep an eye on competitors and new insurtech businesses to stay competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Hypothetical data and industry reports.
Disclaimers:
This analysis is based on hypothetical data as no public company matches the exact name and stock class. All data is speculative and for illustrative purposes only and should not be used for actual investment purposes.
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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