TWFG
TWFG, Inc.28.27
-0.23-0.81%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
424.86MP/E (TTM)
64.25Basic EPS (TTM)
0.44Dividend Yield
0%Recent Filings
10-Q
8-K
10-Q
Q2 FY2025 results
TWFG's Q2 revenue climbed 13.8% y/y to $60.3M, fueled by 12.1% higher commissions from premium growth and acquisitions, while contingent income surged 61.6% y/y. Operating income dipped slightly to $7.4M amid rising amortization from asset buys, but net income rose to $9.0M, with diluted EPS steady at $0.13 on 56.3M shares—reconciled via noncontrolling interest add-back. Cash from operations hit $25.3M YTD, funding $47.2M in intangibles; free cash flow not disclosed in the 10-Q. In June 2025, TWFG closed a 50.1% stake in TWFG MGA FL, LLC for $9.7M cash, recognizing $19.4M customer relationships amortized over 6 years and $9.7M redeemable noncontrolling interest. Debt stands low at $6.4M with $50M revolver available, no covenant issues. Acquisitions drive scale. Yet softening auto premiums pressure retention.
8-K
TWFG Q2 revenues up 13.8%
TWFG reported Q2 2025 revenues up 13.8% to $60.3 million, with total written premium rising 14.4% to $450.3 million and net income hitting $9.0 million. Acquisitions fueled growth, adding five locations across Texas, Louisiana, North Carolina, and a Florida MGA program, while organic revenue climbed 10.6%. Adjusted EBITDA surged 40.7% to $15.1 million, boosting margins to 25.1%. New agents need two to three years for full productivity.
8-K
TWFG annual meeting results
TWFG, Inc. held its 2025 Annual Meeting on May 28, electing six directors—Richard F. Bunch III, Michael Doak, Jonathan Anderson, Michelle Caroline Bunch, Robin A. Ferracone, and Janet S. Wong—to serve until 2026, with strong support exceeding 350 million FOR votes each amid minimal opposition. Stockholders also ratified Deloitte & Touche LLP as the independent auditor for the fiscal year ending December 31, 2025, passing decisively with 357 million FOR votes. The board stays intact. No controversies surfaced.
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