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TWFG (TWFG) investor relations material
TWFG Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary13 Aug, 2025
Executive summary
Achieved 13.8% year-over-year revenue growth to $60.3M in Q2 2025, driven by higher premium rates, organic expansion, and acquisitions.
Net income for Q2 2025 was $9.0M, up from $6.9M in Q2 2024, with a net income margin of 14.9%.
Adjusted EBITDA rose 40.7% to $15.1M, with margin expanding to 25.1%.
Completed four acquisitions, expanded into Kentucky and the eastern gulf region, and added nine new branch locations.
Completed a successful IPO in July 2024, raising $192.9M in net proceeds to repay debt and fund growth.
Financial highlights
Total written premiums increased 14.4% to $450.3M year-over-year in Q2 2025.
Commission income increased 12.1% to $54.6M; commission expense rose 6.8% to $34.2M.
Salaries and benefits rose 39.3% to $9.5M, reflecting IPO-related costs and acquisitions.
Adjusted net income for Q2 2025 was $11.5M (19.1% margin); adjusted diluted EPS was $0.20.
Cash flow from operating activities was $9.6M; adjusted free cash flow was $2.9M, impacted by pre-IPO distributions.
Outlook and guidance
Full-year 2025 total revenues expected between $240M and $255M, with organic revenue growth of 11–14% and adjusted EBITDA margin of 21–23%.
Management expects continued growth in commission and fee income, supported by organic expansion and acquisitions.
Sufficient liquidity and a $50M undrawn revolving credit facility support ongoing growth and M&A.
M&A contribution to revenue expected to increase in the second half due to timing of acquisitions.
No material changes to risk factors or guidance since the last annual report.
Explain the drivers behind the 39.3% increase in salaries.
How do acquisitions strengthen TWFG's market presence?
What is driving the updated 2025 revenue outlook?
Unpack drivers of Q2 EBITDA margin expansion
Explain the shift in organic growth dynamics
Discuss H2 M&A contribution expectations
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Q3 202513 Nov, 2025
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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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