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TWFG
TWFG
TWFG Inc
7월 27일 4:00 PM ET (한국 7/28 05:00)
$26.56
+0.28 ▲ +1.07%
🌙 7월 27일 7:34 PM ET (한국 7/28 08:34)
$26.56
+0.00 +0.00%

티웨이에프지(TWFG) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시황 · 실적발표 · 매수매도 신호, 가장 먼저 받아보세요 🔔 구독
시가총액
$1.4B
스몰캡
P/E
49.1
적정 수준
배당수익률
없음
52주 위치
64%
저점 +60% · 고점 -18%
애널리스트
매수
B
Fundamental health
vs. Insurance Brokers
수익성 ⓘ
Top 40%
성장 ⓘ
Top 59%
밸류에이션 ⓘ
Top 10%
재무 안정 ⓘ
Top 28%
Index ⓘ -P/E ⓘ 49.14EPS (ttm) ⓘ 0.54Insider Own ⓘ 13.66%Shs Outstand ⓘ 14.2MPerf Week ⓘ -2.96%
Market Cap ⓘ 1.44BForward P/E ⓘ 23.99EPS next Y ⓘ 7.73%Insider Trans ⓘ 2.46%Shs Float ⓘ 11.3MPerf Month ⓘ 24.17%
Enterprise Value ⓘ 1.54BPEG ⓘ 1.9EPS next Q ⓘ 0.26Inst Own ⓘ 76.63%Short Float ⓘ 4%Perf Quarter ⓘ 34.14%
Income ⓘ 0.01BP/S ⓘ 5.41EPS this Y ⓘ 16.78%Inst Trans ⓘ -13.84%Short Ratio ⓘ 2.07Perf Half Y ⓘ 2.75%
Sales ⓘ 0.27BP/B ⓘ 5.44EPS next 5Y ⓘ 12.62%ROA ⓘ 2.31%Short Interest ⓘ 0.45MPerf YTD ⓘ -7.68%
Book/sh ⓘ 4.88P/C ⓘ 10.02EPS past 3/5Y ⓘ -27.46% -ROE ⓘ 11.21%52W High ⓘ -17.67% ($32.26)Perf Year ⓘ -14.32%
Cash/sh ⓘ 2.65P/FCF ⓘ 24Sales past 3/5Y ⓘ 17.31% -ROIC ⓘ 11%52W Low ⓘ 60.39% ($16.56)Perf 3Y ⓘ -
Dividend Est. ⓘ -EV/EBITDA ⓘ 24.27EPS Y/Y TTM ⓘ -27.04%Gross Margin ⓘ 39.88%Volatility(W/M) ⓘ 4.88% 4.7%Perf 5Y ⓘ -
Dividend TTM ⓘ -EV/Sales ⓘ 5.79Sales Y/Y TTM ⓘ 24.76%Oper. Margin ⓘ 15.9%ATR (14) ⓘ 1.13Perf 10Y ⓘ -
Dividend Ex-Date ⓘ -Quick Ratio ⓘ 3.42EPS Q/Q ⓘ 32.44%Profit Margin ⓘ 3.04%RSI (14) ⓘ 62.69Recom ⓘ 1.89
Dividend Gr. 3/5Y ⓘ -Current Ratio ⓘ 3.42Sales Q/Q ⓘ 35.47%SMA20 ⓘ 2.74% ($25.85)Beta ⓘ 0.13Target Price ⓘ $27.57
Payout ⓘ -Debt/Eq ⓘ 0.11Earnings ⓘ 2026/5/7SMA50 ⓘ 18.84% ($22.35)Rel Volume ⓘ 0.98Prev Close ⓘ $26.28
Employees ⓘ 400LT Debt/Eq ⓘ 0.06EPS/Sales Surpr. ⓘ 42.65% 7.64%SMA200 ⓘ 14.51% ($23.19)Avg Volume(3M) ⓘ 0.22MPrice ⓘ $26.56
IPO ⓘ 2024/7/18Option/Short ⓘ No/YesTrades ⓘ 3732Volume ⓘ 214,015Change ⓘ 1.07%
Quarterly earnings trend SEC filings · USD
24.6
24.9
24.12
25.3
25.6
25.9
25.12*
26.3
Revenue Net income 최근 분기: 매출 $73M (YoY +35%) · 순이익 $2M (YoY +31%)
* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 TWFG Inc (TWFG) Investment Analysis

What kind of company is TWFG Inc?

티웨이에프지(TWFG) 성장주
Financial · Insurance Brokers
Financial Stocks

🛡️ TWFG is a personal and commercial property & casualty (P&C) insurance brokerage and agency headquartered in Texas, USA. The company distributes a wide range of personal lines (such as auto and home) and commercial lines insurance products through its network of independent insurance agents and franchise partners, ranking among the top personal lines insurance agencies in the United States. TWFG operates under a capital-light, commission-based model, meaning it underwrites no risk on its own and focuses on intermediating policies for a fee.

Learn more about TWFG Inc →
Market Cap
$1.4B
Approx. KRW 2.0 trillion
⚖️ 0% of Samsung Electronics
Market Cap Rank2367
Employees400people
IPO2024/07/18
Current Price$26.56 ≈ 36,387원
NASD · USA

Key Events

⏰ Upcoming events
🔔 Earnings release
The next release date has not been announced yet.
🎯 Ex-dividend date
No scheduled dividends
📜 Recent events
🔔 Earnings release 2026년 5월 7일 (목) · 장 마감 후 EPS +42.6% 매출 +7.6%
🔔 Earnings release 2026년 2월 25일 (수) · 장 마감 후 EPS +57.5% 매출 +9.4%

Is it profitable?

Solid company — profitability & finances both healthy
Strong earnings and excellent financial health
Profitability — How efficiently it makes money
Operating Margin
Profit kept from selling products and services (higher is better)
15.9%
✓ 양호
My positionMid-range
Low range Average High range
Insurance Brokers Median 13.8% · Top 44%
💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수
Net Margin
Share of revenue left after taxes and interest are paid
3.0%
✓ 양호
My positionMid-range
Low range Average High range
Insurance Brokers Median 1.4% · Top 47%
💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수
Gross Margin
Profit after subtracting raw-material costs only (signals product competitiveness)
39.9%
✓ 평균
My positionMid-range
Low range Average High range
Insurance Brokers Median 40.6% · Bottom 49%
💡 제조업 30%, IT/소프트웨어 50% 이상이면 우수 (업종별 편차 큼)
ROE
Annual return earned on shareholders' equity (15%+ is strong)
11.2%
✓ 양호
My positionMid-range
Low range Average High range
Financial 소형주 Median 9.9% · Top 40%
💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)
ROA
Annual earnings relative to total company assets
2.3%
✓ 양호
My positionMid-range
Low range Average High range
Financial 소형주 Median 1.5% · Top 39%
💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수
ROIC
Return generated per dollar invested in the business
11.0%
✓ 우수
My positionTop 25%
Low range Average High range
Financial 소형주 Median 5.3% · Top 18%
💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수
Financial health — Debt & liquidity burden
Debt-to-Equity (D/E)
Debt relative to equity (lower is healthier)
0.11
✓ Very low debt
My positionTop 25%
Low range Average High range
Insurance Brokers Median 0.61
💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)
Current Ratio
Liquid assets available to cover liabilities due within a year
3.42
✓ 우수
My positionTop 5%
Low range Average High range
Insurance Brokers Median 1.19
💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의
Quick Ratio
Liquid assets excluding inventory, available for immediate use
3.42
✓ 우수
My positionTop 5%
Low range Average High range
Insurance Brokers Median 1.18
💡 1.0 이상이면 안전, 0.5 미만이면 주의
* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Mixed Outlook
Positive and negative signals are mixed
애널리스트 목표가
$27.57
현재가 대비 +3.8%
💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균
예상 PER (Forward)
23.99배
💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인
PEG (성장 반영 밸류)
1.90
다소 비쌈
💡 PEG 1.5~2 — 성장 대비 다소 비쌈
내년 EPS 예상 성장률
+7.7%
💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상
5년 EPS 예상 연평균
+12.6%
💡 장기 성장 전망. 15% 이상이면 고성장 기업
⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

High Earnings Reliability
Beat estimates in 2 of the last 2 quarters
2
예상 상회
0
예상 부합
0
예상 하회
100%
상회 비율
+51.1%
평균 서프라이즈
2026.05.07
상회
실적 $0.29 · 예상 $0.20 +43.9%
2026.02.25
상회
실적 $0.30 · 예상 $0.19 +58.3%
💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Average Growth
Mid-range within the industry
🔮 How much will it grow? (analyst forecasts)
This Year's EPS Outlook
Projected EPS growth rate for this year
+16.8%
양호
My positionMid-range
Low range Average High range
성장주 소형주 Median 16.2% · Top 49%
Next Year's EPS Outlook
Projected EPS growth rate for next year (analyst consensus)
+7.7%
부진
My positionBottom 25%
Low range Average High range
성장주 소형주 Median 17.5% · Bottom 23%
5-Year EPS CAGR Outlook
Projected average annual EPS growth over the next 5 years
+12.6%
부진
My positionBottom 25%
Low range Average High range
성장주 소형주 Median 18.9% · Bottom 19%
📊 How much has it grown? (actual results)
Past 3-Year EPS
Actual average annual EPS growth over the past 3 years
-27.5%
부진
My positionBottom 25%
Low range Average High range
성장주 소형주 Median 8.7% · Bottom 16%
⚡ Short-term momentum
QoQ Revenue
Revenue change from the previous quarter (short-term momentum)
+35.5%
우수
My positionTop 5%
Low range Average High range
성장주 소형주 Median 7.0% · Top 2%
* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.
New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Underperformed the market by 30%p over the past year
TWFG -14.3% · S&P 500 +16.0%
Excess return vs. market (price-based, ex-dividends)
1-year basis
vs S&P 500
-30.3%p
Significantly behind the market
Current position within 52-week range
Low (-60.4%p) High (-17.7%p)
Current price is 60.4% above the 52-week low and 17.7% below the 52-week high
Recent risk (last 120 trading days)
Max drawdown
-34.2%
Annualized volatility
52.3%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

  • close
  • BB Upper
  • BB Mid
  • BB Lower
  • Tenkan
  • Kijun
  • Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🟢
Current diagnosis · 2026-07-27
Uptrend zone

Current price $26.56 above the midline ($25.85). Normal upward flow. Above the Ichimoku cloud (bullish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟡
Current diagnosis · 2026-07-27
Neutral zone — weak trend

MACD 1.131 · Signal 1.305 · Hist -0.174. Weak directional bias.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢
Current diagnosis · 2026-07-27
Bullish zone

RSI 62.7 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 63.4.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Pricier than peers in its industry
Pricey on Vs. Earnings·Vs. Assets·Vs. Sales·Vs. Cash Flow
💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.
💵 Vs. Earnings Pricey
🏢 Vs. Assets Pricey
🧾 Vs. Sales Pricey
💧 Vs. Cash Flow Pricey
💵 Vs. Earnings
PER Price-to-Earnings Ratio
How expensive the price is vs. earnings — lower is cheaper
49.14x
✓ Very pricey
My positionBottom 25%
Low range Average High range
Financial 소형주 median 12.52x · Bottom 8% — expensive within the industry
💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)
💵 Vs. Earnings
Forward PER Forward Price-to-Earnings Ratio
PER using next year's estimated earnings — reflects growth
23.99x
✓ Very pricey
My positionBottom 5%
Low range Average High range
Financial 소형주 median 9.81x · Bottom 1% — expensive within the industry
💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중
🏢 Vs. Assets
PBR Price-to-Book Ratio
Price vs. the company's asset value — below 1 trades cheaper than assets
5.44x
✓ Pricey
My positionBottom 25%
Low range Average High range
Insurance Brokers median 2.68x · Bottom 16% — expensive within the industry
💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)
🧾 Vs. Sales
PSR Price-to-Sales Ratio
Market cap vs. revenue — lower is cheaper relative to sales
5.41x
✓ Very pricey
My positionBottom 25%
Low range Average High range
Insurance Brokers median 2.51x · Bottom 5% — expensive within the industry
💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)
💧 Vs. Cash Flow
EV/EBITDA Enterprise Value Multiple
Total enterprise value ÷ operating cash earnings — a benchmark for M&A
24.27x
✓ Pricey
My positionBottom 25%
Low range Average High range
Insurance Brokers median 13.92x · Bottom 23% — expensive within the industry
💡 EV/EBITDA 10 이하 저평가, 20 이상이면 고평가 (M&A 밸류 기준)
💧 Vs. Cash Flow
P/FCF Price-to-Free-Cash-Flow Ratio
Price vs. actual cash generation — lower means more efficient
24.00x
✓ Very pricey
My positionBottom 25%
Low range Average High range
Financial 소형주 median 11.56x · Bottom 8% — expensive within the industry
💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)
Analyst target price (reference)
$27.57 vs. current price +3.8%
* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.
As of: Recent snapshot · Peer group: Financial 소형주

Who owns it?

Ownership is broadly stable
Insider modest net buying +2.5% · Institutional net selling -13.8% · Short interest light 4.0%
📈 Recent trading flow (6 months)
🧑‍💼 Insiders (executives & directors)
+2.5%
Insiders net buying
🏦 Institutions (funds & investors)
-13.8%
Institutions large net selling
💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.
👥 Holdings composition
🏦 Institutions 76.6%
Adequate institutional weight
Financial 소형주 Median 42.5%
🧑‍💼 Insiders 13.7%
Founder/management large holders (strong skin-in-the-game)
Financial 소형주 Median 14.2%
👤 Retail investors (estimated) 9.7%
Everyone excluding institutions and insiders
Institutions Insiders Retail (est.)
📉 Short-selling metrics
Short ratio
4.0%
Low — limited short-side pressure
Financial 소형주 Median 0.8%
Past 90 days Little change
Short interest days to cover
2.1 days
Days needed to close short positions using average trading volume
🧮 Share count
Total shares outstanding 14.2M주
Float (tradable shares) 11.3M주
* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding TWFG

ETFs with the highest weightings · 8 total shown
BCFN
BCFN
Baron Financials ETF
0.66%
$47M
EES
EES
WisdomTree U.S. SmallCap Fund
0.01%
$717M
AVSC
AVSC
Avantis U.S Small Cap Equity ETF
0.01%
$3.0B
DFSU
DFSU
Dimensional US Sustainability Core 1 ETF
0.00%
$2.2B
VTI
VTI
Vanguard Total Stock Market ETF
0.00%
$657.4B
* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)
Sorted by market cap, largest first
StockMarket CapPERPBRROEDividend YieldChange
TWFG TWFG This Stock
$1.4B49.1 ▼5.4 ▼11.21% ▲- +1.1%
BRK-B
$966.4B14.8 ▼1.5 ▼10.49% ▲- +0.5%
BRK-A
$963.1B14.8 ▼1.5 ▼10.49% ▲- +0.1%
JPM
$954.4B15.3 ▼2.7 ▼17.71% ▲1.8% ▼+0.8%
V
$683.1B31.9 ▼19.4 ▼59.8% ▲0.75% ▼+1.9%
MA
$487.5B31.9 ▼72.8 ▼232.56% ▲0.63% ▼+2.2%
Sector Avg-13.61.39.39%2.62%-
📊
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Related News & Content

📖 Company overview
TWFG 인슈어런스 (TWFG) 뭐하는 회사일까? - 주가 전망·실적·시총·관련주·본사 총정리
TWFG 인슈어런스 (TWFG)는 미국 텍사스 기반의 개인·기업용 손해보험 중개 기업으로, 독립 대리점 네트워크와 수수료 중심의 자본 경량 모델을 갖춘 보험 브로커입니다. TWFG 주가·실적·관련주와 사업 구조를 정리합니다.
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2026년 미국주식 세금 총정리. 양도소득세 22% 계산법, 배당세 15% 원천징수, 손익통산, 절세 전략까지. 실제 금액 시뮬레이션과 세금 계산기로 내 세금을 직접 확인해보세요.

FAQ

What kind of company is 티웨이에프지(TWFG)?

티웨이에프지(TWFG) belongs to the Financial sector and operates in the Insurance Brokers industry.

What is the market cap of TWFG?

The market cap of TWFG is approximately $1.4B, ranking 2,367 within its sector.

What is the P/E ratio of TWFG?

TWFG has a P/E ratio of approximately 49.1x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for TWFG?

TWFG has recorded a 52-week high of $32.26 and a low of $16.56.

시황 · 실적발표 · 매수매도 신호, 가장 먼저 받아보세요 🔔 구독

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