TWFG (TWFG) Moat Score: 4/10 (As of Jul. 05, 2026)


TWFG TWFG Inc TWFG
21 GF Score
Price $25.85
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What is TWFG Moat Score?

TWFG TWFG +2.89% 21 Moat Score is 4 as of Jul. 05, 2026. GuruFocus rates TWFG with a GF Score™ of 21/100. Among 599 Insurance companies, TWFG ranks better than 79.63% on this metric.

TWFG has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

TWFG has Narrow Moat: TWFG Inc has a discernible but modest moat due to some valuable intellectual property and modest customer loyalty. However, it lacks strong market leadership, significant regulatory barriers, and durable cost advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes TWFG might have Narrow Moat - Discernible but modest moat.

TWFG  (NAS:TWFG) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

TWFG Moat Score Related Terms

TWFG vs AIFU, SLQT, QDMI: Moat Score Comparison

For the Insurance Brokers subindustry, TWFG's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

TWFG Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, TWFG's Moat Score distribution charts can be found below:

* The bar in red indicates where TWFG's Moat Score falls into.


TWFG
21GF Score
TWFG Inc TWFG
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
TWFG (TWFG) has a Moat Score of 4 as of Jul. 05, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, TWFG ranks #122 out of 599 companies in the Insurance industry, placing it in the top 20.4%.
Is TWFG's Moat Score too high?
TWFG's current Moat Score is 4. Based on the distribution chart, TWFG ranks #122 out of 599 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, TWFG has a GF Score™ of 21/100, reflecting its overall financial health beyond just this single metric.
How does TWFG's Moat Score compare to AIFU and SLQT?
According to the Insurance industry distribution chart, TWFG ranks #122 out of 599 companies for Moat Score. This places TWFG in the top 20% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. TWFG's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TWFG stock overvalued right now?
TWFG (TWFG) has a current Moat Score of 4. The current Moat Score is 4. TWFG's overall GF Score™ is 21/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For TWFG (TWFG), the current Moat Score is 4 as of Jul. 05, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

TWFG Business Description

Address 10055 Grogans Mill Road, Suite 500, The Woodlands, TX, USA, 77380
TWFG Inc is an independent distribution platform for personal and commercial insurance in the United States. It offers all lines of insurance, multiple distribution contract options, M&A services, proprietary virtual assistants, proprietary technology, proprietary premium financing, unlimited continuing education, recognition programs, co-op funding, marketing support and overall lower costs to operate.
21GF Score

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