TWFG Inc

TWFG

Market cap $298M

TWFG, Inc. (TWFG) Q4 2025 Earnings Call Transcript

The headline numbers for TWFG, Inc. (TWFG) give insight into how the company performed in the quarter ended December 2025, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.

– Total Revenues  increased 33.0% for the quarter over the prior year period to $68.8 million – – Organic Revenue Growth Rate* of 11.7% for the quarter – – Net income of $14.4 million for the quarter – – Adjusted EBITDA* increased 56.9% for the quarter over the prior year period to $21.7 million - – Share Repurchase Authorization approved for up to $50 million - THE WOODLANDS, Texas, Feb. 25, 2026 (GLOBE NEWSWIRE) -- TWFG, Inc. (“TWFG”, the “Company” or “we”) (NASDAQ: TWFG), a high-growth insurance distribution company, today announced results for the fourth quarter and the full year ended December 31, 2025. Fourth Quarter 2025 Highlights Total revenues for the quarter increased 33.0% to $68.8 million, compared to $51.7 million in the prior year period Commission income for the quarter increased 35.8% to $59.4 million, compared to $43.7 million in the prior year period Net income for the quarter was $14.4 million, compared to $8.2 million in the prior year period, and net income margin for the quarter was 20.9% Diluted Earnings Per Share for the quarter was $0.18 and Adjusted Diluted Earnings Per Share* for the quarter was $0.30 Total Written Premium for the quarter increased 22.7% to $443.4 million, compared to $361.4 million in the prior year period Organic Revenue Growth Rate* for the quarter was 11.7% Adjusted Net Income* for the quarter increased 58.9% from the prior year period to $16.7 million, and Adjusted Net Income Margin* for the quarter was 24.3% Adjusted EBITDA* for the quarter increased 56.9% over the prior year period to $21.7 million, and Adjusted EBITDA Margin* for the quarter was 31.6% compared to 26.8% in the prior year period Full Year 2025 Highlights Total revenues for the year increased 21.3% to $247.1 million, compared to $203.8 million in the prior year period Commission income for the year increased 20.6% to $221.0 million, compared to $183.2 million in the prior year period Net income for the year was $39.8 million, compared to $28.6 million in the prior year period, and net income margin for the year was 16.1% Diluted Earnings Per Share for the year was $0.51 and Adjusted Diluted Earnings Per Share* for the year was $0.88 Contingent income for the year increased 33.9% to $11.7 million, compared to $8.7 million in the prior year period Total Written Premium for the year increased 17.3% to $1.7 billion, compared to $1.5 billion in the prior year period Organic Revenue Growth Rate* for the year was 11.6% Adjusted Net Income* for the year increased 50.8% from the prior year period to $49.8 million, and Adjusted Net Income Margin* for the year was 20.2% Adjusted EBITDA* for the year increased 44.3% over the prior year period to $65.4 million, and Adjusted EBITDA Margin* for the year was 26.5% compared to 22.3% in the prior year *Organic Revenue Growth Rate, Adjusted Net Income, Adjusted Net Income Margin, Adjusted EBITDA, Adjusted EBITDA Margin, Adjusted Free Cash Flow and Adjusted Diluted Earnings Per Share are non-GAAP measures.

THE WOODLANDS, Texas, Feb. 17, 2026 (GLOBE NEWSWIRE) -- TWFG Inc. continues to grow with the addition of Andy McGuire as Chief Underwriting Officer. McGuire's extensive industry background, leadership experience, and alignment with TWFG's culture make him a strong fit for the organization and its long-term vision.

THE WOODLANDS, Texas, Feb. 09, 2026 (GLOBE NEWSWIRE) -- TWFG, Inc. (NASDAQ: TWFG), a leading independent insurance distribution platform, announced today that it will release its financial results for the fourth quarter ended December 31, 2025, after the market closes on Wednesday, February 25, 2026. The Company will host a conference call to discuss its financial results the following morning, Thursday, February 26, 2026, at 9:00 a.m.

During the quarter, the Fund invested in Morgan Stanley, a leading global investment bank and wealth management firm. The Fund also participated in the IPO of Neptune Insurance Holdings Inc., the leading underwriter of private flood insurance. We trimmed Guidewire Software, Inc. on strength to manage exposure to the volatile software sector.

TWFG, Inc. (TWFG) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.

TWFG, Inc. (TWFG) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

THE WOODLANDS, Texas, Nov. 13, 2025 (GLOBE NEWSWIRE) -- TWFG Insurance announced a series of pivotal leadership appointments designed to accelerate the company's growth and strengthen its position for continued industry innovations. Katherine Nolan, who has served as Chief Operating Officer for more than 16 years, has been promoted to President.

TWFG, Inc. ( TWFG ) Q3 2025 Earnings Call November 13, 2025 10:00 AM EST Company Participants Richard Bunch - Chairman, CEO & President Janice Zwinggi - Chief Financial Officer Conference Call Participants Thomas Mcjoynt-Griffith - Keefe, Bruyette, & Woods, Inc., Research Division Jon Paul Newsome - Piper Sandler & Co., Research Division Pablo Singzon - JPMorgan Chase & Co, Research Division Brian Meredith - UBS Investment Bank, Research Division Charles Lederer - BMO Capital Markets Equity Research Presentation Operator Good morning, and welcome to TWFG's Third Quarter 2025 Earnings Conference Call. [Operator Instructions] As a reminder, today's call may include forward-looking statements that are subject to risks and uncertainties.