The earnings call reflected a mixed outlook with significant achievements in IPO completion, revenue growth, and geographical expansion, balanced by challenges from natural disasters and increased operational expenses. Despite a decrease in net income, the company showed resilience and strategic foresight.

Company Guidance

During the TWFG Q3 2024 earnings call, the company provided detailed financial guidance showcasing robust growth and strategic resilience. TWFG reported a 14.5% increase in total revenue, reaching $54.6 million, and a 7.6% organic revenue growth. The company's adjusted net income margin was 15.3%, while the adjusted EBITDA margin stood at 21.5%. Written premium increased by $46 million, totaling $400.1 million, driven by an increase in new business premiums by 39% and a normalization in premium retention to 88%. The firm also highlighted successful recruiting efforts with 86 new agency locations opened, expanding into 13 new states. Despite the challenges posed by multiple hurricanes, TWFG successfully completed its IPO, raising $192.9 million, further strengthening its conservative balance sheet and positioning the company for continued growth and acquisition opportunities.

Successful IPO Launch

TWFG completed its IPO in July, raising $192.9 million in net proceeds through the issuance of 12,650,000 shares of Class A common stock at $17 per share.

Geographical Expansion and Recruitment

TWFG launched 86 new locations in Q3, expanding into 13 new states, which includes Alabama, Connecticut, Idaho, Indiana, Missouri, Nevada, New Mexico, Oregon, South Carolina, South Dakota, Tennessee, Washington, and Wyoming.

Revenue and Income Growth

TWFG reported a 14.5% total revenue growth, 7.6% organic revenue growth, a 15.3% adjusted net income margin, and a 21.5% adjusted EBITDA margin for the quarter.

Increased Written Premiums

Written premiums increased by $46 million or 13% to $400.1 million, driven by new business acceleration and normalized retention levels.

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TWFG, Inc. Class A (TWFG) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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TWFG Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Aug 27, 2024	2024 (Q2)	0.14 / 14.89	―	―	―
Nov 13, 2024	2024 (Q3)	0.16 / 0.15	0.514	-70.82% (-0.36)	―
Sep 02, 2025	2025 (Q2)	- / -	14.894	―	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

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TWFG Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Nov 13, 2024	$32.99	$31.61	-4.18%
Aug 27, 2024	$26.87	$26.48	-1.45%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

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FAQ

When does TWFG, Inc. Class A (TWFG) report earnings?

TWFG, Inc. Class A (TWFG) is schdueled to report earning on Sep 02, 2025, TBA Not Confirmed.

What is TWFG, Inc. Class A (TWFG) earnings time?

TWFG, Inc. Class A (TWFG) earnings time is at Sep 02, 2025, TBA Not Confirmed.

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

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What is TWFG EPS forecast?

Currently, no data Available

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