TWFG Inc. (Class A) (TWFG) carries a Roarable Rating of C+ (Hold) with 69/100 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.
As of 2026-11-02, TWFG Inc. (Class A) (NASDAQ: TWFG) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $26.96 (-0.70% 1D, market cap $1.47B). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, TWFG ranks #158 in composite RQD confidence.
Within the Financials sector (Specialty Insurers), TWFG carries a Roarable C+ (69/100 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 (59/100 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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 21.4% FCF Margin ($53.1M FCF) & 52% Gross Margin
SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)
Balance-sheet & 10-K footnote risk deducts 10 pts from forensic ceiling
Even with a 69/100 (C+) score, TWFG faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($26.71) or 200D SMA ($23.11) invalidates the momentum regime and cuts Target Base ($28.29) toward Bear Floor ($22.07).
TWFG Inc. (Class A) (TWFG) slipped -0.70% to $26.96, trading at 71% of its 52-week range ($16.56 – $31.3). Solid steady margins (40% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.
Yahoo Finance report covering TWFG Inc. (Class A) (TWFG) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering TWFG Inc. (Class A) (TWFG) market action, institutional positioning, and fundamental catalysts.
www.debelegger.nl report covering TWFG Inc. (Class A) (TWFG) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering TWFG Inc. (Class A) (TWFG) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering TWFG Inc. (Class A) (TWFG) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering TWFG Inc. (Class A) (TWFG) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering TWFG Inc. (Class A) (TWFG) market action, institutional positioning, and fundamental catalysts.
StocksToTrade report covering TWFG Inc. (Class A) (TWFG) market action, institutional positioning, and fundamental catalysts.
THE WOODLANDS, Texas, Oct. 27, 2026 (GLOBE NEWSWIRE) -- In a release issued under the same headline on Monday, October 26th by TWFG Inc. (NASDAQ: TWFG), please note that both the Access the Call by Webcast and Registrati
Artificial intelligence spending is still pulling huge orders through chip supply chains, with Japan’s September export data highlighting strong demand for semiconductors and AI related products. That kind of structural
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +22.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on TWFG today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for TWFG. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, TWFG Inc. (Class A) (TWFG) ranks #158 by composite RQD confidence (69/100, 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. TWFG currently leads its immediate peer cohort in composite quantitative strength at 69/100 (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+ | 69/100 | — | — | 39.8% | -0.70% | $1.47B | Benchmark Subject |
| STC Stewart Information Services Corporation | D+ | 57/100 | 12.0x | — | 5.6% | -2.15% | $1.39B | /stc-vs-twfg → |
| GSHD Goosehead Insurance Inc. (Class A) | C- | 59/100 | 60.7x | — | 36.9% | +0.07% | $1.69B | /gshd-vs-twfg → |
| OIG Orion180 Insurance Group Inc. (Class A) | D+ | 52/100 | — | — | — | -0.41% | $974.5M | /oig-vs-twfg → |
| LIFE Ethos Technologies Inc. (Class A) | C+ | 69/100 | 39.8x | — | 40.6% | -0.53% | $2.83B | /life-vs-twfg → |
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 | — | — |
As of 2026-11-02, TWFG Inc. (Class A) (NASDAQ: TWFG) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $26.96 (-0.70% 1D, market cap $1.47B). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, TWFG ranks #158 in composite RQD confidence.
Within the Financials sector (Specialty Insurers), TWFG carries a Roarable C+ (69/100 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 (59/100 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).
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.
TWFG last traded at $26.96 (-0.70% on volume of 227,096 shares), positioning the stock +0.94% above its 50-day simple moving average ($26.71) and +16.66% above its 200-day simple moving average ($23.11). Across its 52-week range of $16.56 to $31.30, TWFG sits at the 70.6% percentile with a 14-day RSI of 55.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±9.1% ($24.51 to $29.41).
Why TWFG Stock slipped -0.70% Today — RQD Quant Desk Flash. Solid steady margins (40% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.
Per the Roarable RQD rating, TWFG scores 69 out of 100, a C+ grade, with the verdict "Roarable Hold — Upper Neutral / Watch for Breakout." Across the five pillars, the fundamental cash engine scores highest at 18 of 20, citing ROIC of 39.8% and an FCF yield of 3.62%, which suggests the operating business generates strong returns on capital relative to the amount invested in it. Insider conviction scores 15 of 20, reflecting SEC Form 4 and Congressional PTR cluster flow. Whale/13F flow scores 13 of 20 for institutional accumulation and options positioning. Macro regime fit also scores 13 of 20, with a beta of 1.0 and noted sector sensitivity. The forensic balance sheet scores lowest at 10 of 20, citing an Altman Z-Score of 2.5, a Piotroski F-Score of 4/9, and a Debt/Equity ratio of 0.5. For a prospective investor, the profile implies a business with strong capital efficiency that is held back by weaker forensic balance-sheet signals and mixed flow indicators, which is consistent with the rating's "Hold" posture rather than a conviction call in either direction. The stock's current price sits near the upper portion of its 52-week range, so any upside case would depend on the Q3 2026 results and whether institutional and insider flow strengthens, while valuation tradeoffs are reflected in the EV/EBITDA of 35.2 per the market data.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $248.5M | $37.0M | $0.0M | N/A | $53.1M | $155.9M | $2.0M |
| FY 2024 | $203.8M | $27.9M | $2.7M | N/A | $37.3M | $195.8M | $4.0M |
| FY 2023 | $172.0M | $25.4M | $0.0M | N/A | $30.2M | N/A | N/A |
Per the SEC financials, revenue rose from $172.0M in FY 2023 to $248.5M in FY 2025, and operating income rose from $25.4M to $37.0M over the same span. Net income was $0.0M in FY 2025 and $2.7M in FY 2024. Per the market data, the operating margin is 14.9%, while gross and net margins are reported as 0%. ROIC is 39.8%. The Altman Z-Score is 2.5 and the Piotroski F-Score is 4/9, per the Roarable RQD rating. Debt was $2.0M at FY 2025 against cash of $155.9M.
Per the recent news and catalysts section, the most prominent item is a headline that TWFG will announce its third-quarter 2026 financial results on Wednesday, November 4, 2026, flagged YELLOW under MARKET WIRE. Other headlines from the same feed are flagged YELLOW under MARKET WIRE and reference market action, institutional positioning, and fundamental catalysts. The single RISK WATCH item, flagged RED, is a MarketBeat report that the stock fell 4.9%. A Quiver Quantitative report notes the stock was down 8% on the day. Per the Butterfly Supply-Chain Graph, the supply chain is listed as NONE, with no butterfly links and no proprietary signals.
Per the Butterfly Supply-Chain Graph, no upstream or downstream dependencies, butterfly links, or proprietary signals are mapped for TWFG. Sector correlation data is not available in source data. For a prospective investor, the practical 2nd-order watch item is the Q3 2026 earnings release, since the source data contains no supply-chain linkages through which other events could transmit to the company.
Real-time company headlines, analyst actions, and sector developments for TWFG Inc. (Class A) (TWFG) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo Finance report covering TWFG Inc. (Class A) (TWFG) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering TWFG Inc. (Class A) (TWFG) market action, institutional positioning, and fundamental catalysts.
www.debelegger.nl report covering TWFG Inc. (Class A) (TWFG) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering TWFG Inc. (Class A) (TWFG) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering TWFG Inc. (Class A) (TWFG) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering TWFG Inc. (Class A) (TWFG) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering TWFG Inc. (Class A) (TWFG) market action, institutional positioning, and fundamental catalysts.
StocksToTrade report covering TWFG Inc. (Class A) (TWFG) market action, institutional positioning, and fundamental catalysts.
Welcome to the TWFG (TWFG Inc. (Class A)) Roar Pit. Current RQD Composite is 69/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Specialty Insurers. Bulls point to capital efficiency (39.8% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on TWFG, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless TWFG Inc. (Class A) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on TWFG, the market is fixating on short-term headline noise in Specialty Insurers and ignoring the balance sheet and cash flow trajectory. At $27.15 (52-wk range $16.56 - $31.30), any beat on forward guidance forces shorts and underweight funds to chase.
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