What is the 13F Pro Quality Score for TWFG?

13F Pro ranks TWFG, Inc. (TWFG) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View TWFG's current score at https://13fpro.ai/research/TWFG (free sign-up required for the full ranking).

Where does 13F Pro source TWFG data?

All TWFG, Inc. fundamentals and ownership data come directly from SEC EDGAR. TWFG, Inc. files with the SEC under CIK 2007596. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is TWFG in?

TWFG, Inc. (TWFG) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is TWFG research updated on 13F Pro?

TWFG's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

TWFG, Inc.(TWFG)Stock Analysis

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13F Pro Quality Score

58.3/100

Rank #984 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

91.4/100

Profitability

46.5/100

Balance Sheet

50.5/100

Earnings Quality

87.9/100

Free Cash Flow

82.2/100

Institutional Flow

5.1/100

Revenue Scale

27.0/100

Dilution Risk

42.6/100

TWFG Stock Analysis & AI Quality Score

AI stock analysis and institutional research for TWFG, Inc. (TWFG), a Financials sector company. 13F Pro's AI-powered ranking engine scores TWFG at 58.3/100 on a 32-signal composite quality model, placing it at rank #984 of 2,879 stocks — the top half of the AI-ranked universe. TWFG scores in the top quartile across revenue growth (91.4), earnings quality (87.9), free cash flow (82.2). Areas of concern include institutional flow (5.1) and revenue scale (27.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 42.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), TWFG, Inc. reports quarterly revenue of $72.8M, net income of $1.8M, an operating margin of 17.0%. Top institutional holders of TWFG by reported 13-F value include BAMCO /NY/, Capital International Investors, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. TWFG trades on the Nasdaq exchange and files with the SEC under CIK 2007596. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate TWFG daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for TWFG, Inc. directly from SEC EDGAR. TWFG, Inc.'s 13F Pro composite quality score has ranged between 42 and 62 since 2025, currently 58.3 — an improving long-term trajectory across 14 quarterly and live scoring snapshots.

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Fun facts about TWFG, Inc.

Quirks, history, and lore behind TWFG — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · small-cap · listed on Nasdaq · headquartered in Texas.
2
The Numbers
The company distributes insurance products through a network of thousands of independent agents, generating revenue well into the hundreds of millions of dollars annually.
3
The History
Founded in the early 2000s in Texas, it grew by building a franchised distribution model for personal and commercial insurance rather than underwriting policies itself.
4
The Secret
It doesn't actually take on underwriting risk — it's purely a distribution and agency platform, making it more like a franchise operation than a traditional insurer.
5
The Lore
Its model lets independent insurance agents plug into a larger network for support, technology, and carrier access — think franchise model meets Main Street insurance shop.
6
The Giveaway
The ticker spells out the founder's initials, the company is based in The Woodlands, Texas, and it went public in 2024 as one of the few pure-play insurance distribution franchisors on the market.

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Revenue

Q1 2026

$72.8M

Net Income

Q1 2026

$1.8M

Free Cash Flow

Q1 2026

$22.4M

Operating Margin

Q1 2026

17.0%

D/E Ratio

Q1 2026

0.05

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+22.0% YoY

$248.5MFY 2025

FY22 $153.9MFY24 $203.8MFY25 $248.5M

Net Income

—FY 2025

FY22 $0.00FY24 $2.7MFY25 —

Operating Income

+32.4% YoY

$37.0MFY 2025

FY22 $23.7MFY24 $27.9MFY25 $37.0M

EPS (Diluted)

+178.9% YoY

$0.53FY 2025

FY22 —FY24 $0.19FY25 $0.53

Total Assets

+15.1% YoY

$372.3MFY 2025

FY22 —FY24 $323.4MFY25 $372.3M

Total Debt

-65.1% YoY

$4.0MFY 2025

FY22 —FY24 $11.5MFY25 $4.0M

Op. Cash Flow

+32.2% YoY

$53.5MFY 2025

FY22 $25.8MFY24 $40.5MFY25 $53.5M

Metric	FY 2025	FY 2024	FY 2022
Revenue	$248.5M +22.0%	$203.8M +32.4%	$153.9M
Net Income	—	$2.7M	$0.00
Operating Income	$37.0M +32.4%	$27.9M +17.7%	$23.7M
EPS (Diluted)	$0.53 +178.9%	$0.19	—
Total Assets	$372.3M +15.1%	$323.4M	—
Total Debt	$4.0M -65.1%	$11.5M	—
Operating Cash Flow	$53.5M +32.2%	$40.5M +57.2%	$25.8M

AI Insight: TWFG Financial Trends

TWFG's revenue surged 40% from Q3 2024 to Q1 2026 while debt collapsed from $54M to $4M, signaling rapid deleveraging alongside organic growth.

• Revenue grew from $52M in Q3 2024 to $73M in Q1 2026, a 40% increase over six quarters.

• Total debt fell sharply from $54M in Q2 2024 to $4M in Q1 2026, nearly eliminating leverage.

• Operating income expanded from $6M in Q3 2024 to $12M in Q1 2026, with a Q4 2025 peak of $15M.

• Operating cash flow strengthened to $23M in Q1 2026, the highest in the observable period.

⚠ Net income remains volatile — two loss quarters (Q3 2024, Q4 2025) despite rising operating income suggest recurring below-the-line charges.

⚠ Equity dipped from $83M in Q4 2025 to $69M in Q1 2026 despite positive net income — source of drawdown warrants scrutiny.

⚠ Operating cash flow swung between $10M and $23M quarter-to-quarter, indicating lumpy working capital or timing dynamics.

AI Insight: TWFG Ratio Trends

ROIC surged to 68.0% in Q4 2025 and held there in Q1 2026, while near-zero leverage signals a meaningfully cleaner balance sheet.

• ROIC expanded sharply from 26.4% in Q1 2025 to 68.0% in Q4 2025, sustaining that level into Q1 2026.

• D/E ratio fell from 0.17 in Q3 2024 to 0.05 in Q1 2026, indicating substantial deleveraging over five quarters.

• Operating margin improved from 10.7% in Q1 2025 to 17.0% in Q1 2026, though Q4 2025's 21.1% peak suggests some seasonality.

⚠ Net profit margin swung to -3.2% in Q4 2025 despite a 21.1% operating margin — the gap warrants scrutiny of below-the-line items.

⚠ Q3 2024 showed -23.6% NPM and -69.7% ROE; recurrence of such one-off charges would materially distort profitability.

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Available Research

13F Pro tracks comprehensive data for TWFG, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of TWFG

BAMCO INC /NY/
$20.9M1,135,099 sh
Capital International Investors
$19.6M1,065,732 sh
VANGUARD CAPITAL MANAGEMENT LLC
$10.5M570,537 sh
Giverny Capital Inc.
$10.2M552,107 sh
RIVERBRIDGE PARTNERS LLC
$10.1M549,614 sh
CENTRAL SECURITIES CORP
$9.2M500,000 sh
Nuveen, LLC
$9.1M495,092 sh
MARSHALL WACE, LLP
$4.9M266,828 sh
GILDER GAGNON HOWE & CO LLC
$4.1M223,639 sh
Alyeska Investment Group, L.P.
$4.0M215,778 sh

Fund	Value	Shares
BAMCO INC /NY/	$20.9M	1,135,099
Capital International Investors	$19.6M	1,065,732
VANGUARD CAPITAL MANAGEMENT LLC	$10.5M	570,537
Giverny Capital Inc.	$10.2M	552,107
RIVERBRIDGE PARTNERS LLC	$10.1M	549,614
CENTRAL SECURITIES CORP	$9.2M	500,000
Nuveen, LLC	$9.1M	495,092
MARSHALL WACE, LLP	$4.9M	266,828
GILDER GAGNON HOWE & CO LLC	$4.1M	223,639
Alyeska Investment Group, L.P.	$4.0M	215,778

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Is TWFG a good stock to buy?

13F Pro's AI-powered analysis of TWFG, Inc. (TWFG) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for TWFG are available on the TWFG stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own TWFG?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling TWFG. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of TWFG, Inc.'s investment landscape.