$19.09
-0.049%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.
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
TWFG • NASDAQ
| TWFG, Inc. Common Stock Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|
OPERATING ACTIVITIES | ||||
41.2M | 28.6M | 25.3M | 23.3M | |
18.4M | 12M | 4.9M | 3.3M | |
4.6M | 2.2M | 0.0 | 0.0 | |
225K | 1.1M | 1.5M | 3.3M | |
-10.8M | -3.4M | -1.4M | -4.2M | |
53.5M | 40.5M | 30.2M | 25.8M | |
INVESTING ACTIVITIES | ||||
-356K | -3.2M | -260K | -12.3M | |
-70M | -21.9M | -14.4M | -2.2M | |
-70.4M | -25.1M | -14.7M | -14.5M | |
FINANCING ACTIVITIES | ||||
-445K | 193.6M | 0.0 | 0.0 | |
-1.9M | -43.4M | 38.3M | -2.6M | |
(0.0) | -9.3M | -33.4M | -20.6M | |
-18.2M | 2.6M | -14.6M | 7.9M | |
-20.5M | 143.4M | -9.7M | -15.3M | |
CASH FLOW SUMMARY | ||||
-37.4M | 158.9M | 5.8M | -4M | |
205.3M | 46.5M | 40.7M | 44.7M | |
167.9M | 205.3M | 46.5M | 40.7M | |
53.1M | 37.3M | 14.5M | 13.5M |
TWFG - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 28, 2026 | May 28, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 07, 2026 | May 04, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 10, 2026 | May 27, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 10, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 25, 2026 | February 25, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 12, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | November 12, 2025 | November 12, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 13, 2025 | June 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | August 12, 2025 | August 12, 2025 | 2025 |
Continue your TWFG research with focused valuation guides.
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.