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TWFG
TWFG (TWFG) investor relations material
TWFG Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Feb, 2026
Executive summary
Total revenue for 2025 rose 21.3% to $247.1 million, driven by 11.6% organic growth and accretive acquisitions.
Adjusted EBITDA for 2025 increased 44.3% to $65.4 million, with margin expanding to 26.5%.
Q4 2025 revenues grew 33% to $68.8 million, with adjusted EBITDA up 56.9% to $21.7 million and margin expanding to 31.6%.
Expansion included new corporate locations in Tennessee and Texas, enhancing regional scale and distribution.
AI investments and proprietary technology platforms are positioned as key productivity accelerators and competitive advantages.
Financial highlights
Total written premium for 2025 was $1.73 billion, up from $1.48 billion in 2024.
Q4 written premium increased 22.7% to $443.4 million, with MGA premium volume up 53.2% year-over-year.
Net income for 2025 was $39.8 million, up from $28.6 million in 2024; Q4 net income was $14.4 million, up from $8.2 million in Q4 2024.
Q4 commission income increased 35.8% to $59.4 million; full-year commission income up 20.6% to $221.0 million.
Free cash flow generation remained strong, with operating cash flow at $53.5 million and adjusted free cash flow at $42.1 million.
Outlook and guidance
2026 revenue guidance: $285–$300 million, representing 15–20% growth.
Adjusted EBITDA margin expected at 22–25%; organic revenue growth projected at 10–15%.
Continued investments in AI, technology, and infrastructure to support double-digit organic growth and margin expansion.
Share repurchase program of up to $50 million announced, reflecting confidence in valuation and future prospects.
Why is 2026 EBITDA margin guidance lower?
How does AI impact subscale independent agencies?
How do public market declines affect private M&A?
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Next TWFG earnings date
Q1 202613 May, 2026
TWFG
Next TWFG earnings date
Q1 202613 May, 2026
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Frequently asked questions
TWFG Inc. operates an independent distribution platform offering a broad range of personal and commercial insurance products across the United States. These products include auto, home, renters, life, health, and other types of personal insurance, as well as various commercial lines like general liability, property, business auto, workers' compensation, and professional liability insurance. TWFG represents hundreds of insurance carriers, facilitating coverage for a wide array of risks. The company is headquartered in The Woodlands, Texas, and its shares are listed on the NASDAQ.
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