InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$244.37

2026-10-16

Market Cap

$37.5B

Volume

4.6M

52-Wk High

$308.40

52-Wk Low

$104.50

Trailing PE

32.5

P/S

6.73

Gross Margin

48.5%

Net Margin

20.6%

ROE

14%

ROIC

3%

Piotroski

5/9

Altman Z

12.0

1-Yr Return

+129.9%

5-Yr Return

+92.6%

Twilio Inc. offers a comprehensive cloud-based communications platform, empowering developers to build, scale, and manage customer engagement features directly within their software applications across both U.S. and international markets. Central to its customer engagement solution is a robust suite of application programming interfaces (APIs). These APIs streamline the complex communication logic required for various customer interactions and enable developers to seamlessly integrate voice, messaging, video, and email functionalities into their applications. Established in 2008, Twilio's corporate headquarters are located in San Francisco, California.

SectorTechnologyIndustrySoftware - InfrastructureExchangeNYSEMarket Cap$37.5BEmployees5,587 (SEC-filed)CEOKhozema Z. ShipchandlerIPO2016-06-23CountryUS

101 Spear Street, San Francisco, CA 94105 · Tel 415 390 2337 · twilio.com

INSIDERSTREET SCORE73 / 100Street mean $274.07 (14 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALROUTINE SELLING — LOW SIGNAL$483M sold / 6 mo, zero open-market buys

INSIDERSTREET
SCORE73of 100

Score Breakdown

Profitability	60/100
Growth	71/100
Momentum	86/100
Quality	74/100
Earnings Quality	77/100
Balance Sheet	91/100
Value	48/100
Risk (safety)	100/100
Overall	72.6/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
ZS	47
CRWV	17
OKTA	74
VRSN	56
SQ	42
MDB	74
TWLO	73

IS Score Trend — quarterly

14 quarters, 23 Q1 to 26 Q2. Peak 73 in 26 Q2, latest 73 — +0 since. Fell in 0 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

1 Year vs S&P 500 · TWLO +129.9% · S&P 500 +15.9% · spread +114.1pp

7 Years vs S&P 500 · TWLO +92.6% · S&P 500 +189.9% · spread -97.3pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

BUSINESS QUALITY73 / 100IS Score 72.6 / 100 · +0.0 from peak of 73

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTURELEAN BEARISHTechnical Score 41 / 100 · Power -18 · 8 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

These two disagree — business quality 73, price structure 41 out of 100, so the business reads better than the price does. We publish the disagreement rather than resolving it: they answer different questions, and the gap between them is information, not an error.

Trigger	Where it stands now	What it would mean
IS Score reaches 75 and holds two consecutive quarters	now 72.6	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 64 → 68 → 70 → 73	the direction matters more than the level
Technical vote share back above 50%	now 36%	price structure no longer broken
Institutional holder count rises two quarters running	peak 970 → now 970	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Site Convergence Score3 of 4top 4% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)3 buys2026-05-04

Insider Buys (180d)0none disclosed

ETF Funds (30d)1171 up / 901 downnet +270 funds

Institutions Added (13F)153managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 970 · latest 970 (+0 from peak).

Quarter	Holders	13F shares	Value	Reported own%
2026 Q2	970	139.8M	$28.5B	91.5%
2026 Q1	817	136.1M	$17.0B	89.1%
2025 Q4	870	136.9M	$19.3B	89.6%
2025 Q3	774	140.4M	$14.0B	91.9%
2025 Q2	819	131.5M	$16.2B	86.1%
2025 Q1	774	121.7M	$11.9B	79.6%
2024 Q4	746	119.2M	$12.8B	78.0%
2024 Q3	605	118.3M	$7.7B	77.5%
2024 Q2	599	128.9M	$7.3B	84.3%
2024 Q1	626	136.9M	$8.3B	89.6%
2023 Q4	656	145.6M	$10.9B	95.3%
2023 Q3	603	142.6M	$8.3B	93.3%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Shipchandler Khozema	director, Chief Executive Officer	2026-10-05	SELL	1,934	$0.56M	191,371
Shipchandler Khozema	director, Chief Executive Officer	2026-10-05	SELL	1,900	$0.55M	189,471
Shipchandler Khozema	director, Chief Executive Officer	2026-10-05	SELL	5,156	$1.50M	184,315
Shipchandler Khozema	director, Chief Executive Officer	2026-10-05	SELL	501	$0.15M	183,814
Shipchandler Khozema	director, Chief Executive Officer	2026-10-05	SELL	800	$0.23M	183,014
Shipchandler Khozema	director, Chief Executive Officer	2026-10-05	SELL	1,600	$0.47M	181,414
Shipchandler Khozema	director, Chief Executive Officer	2026-10-05	SELL	2,551	$0.75M	178,863
Viggiano Aidan	Chief Financial Officer	2026-09-30	SELL	100	$0.03M	108,230

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	82	2,392,863	$483.4M	Counted
M — Exercises (paired A/D)	2	76,316	$7.7M	None — mechanics
G — Gifts	6	2,829	—	None
P — Open-market purchases	0	0	$0	Counted — none occurred

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalRoutine Selling — Low Signal

Open-Market Sells$483.4M82 txns / 6 mo

Open-Market Buys$0.0M0 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Filed	Filer	Shares registered	Est. proceeds
2026-10-05	Shipchandler Khozema	14,442	$4.2M
2026-09-30	Shipchandler Khozema	13,898	$4.1M
2026-09-30	Viggiano Aidan	9,084	$2.7M
2026-08-17	Viggiano Aidan	1,394	$0.3M
Trailing 12 mo	36 filings	3,482,871	$624M

Filed	Form	Reporting person	% of class	Shares
2026-07-27	SCHEDULE 13G/A	JPMORGAN CHASE & CO.	8.00%	12.2M sh
2026-04-30	SCHEDULE 13G	Vanguard Capital Management	5.35%	8.1M sh
2026-04-29	SCHEDULE 13G	Vanguard Portfolio Management	5.34%	8.1M sh
2026-03-27	SCHEDULE 13G/A	The Vanguard Group	—	exit/reporting change

Member	Chamber	Trade	Size band	Traded	Disclosed
Josh Gottheimer	House	BUY	$1,001 - $15,000	2026-05-04	2026-06-04
Josh Gottheimer	House	BUY	$1,001 - $15,000	2026-05-04	2026-06-04
Josh S. Gottheimer	House	BUY	$1,001 - $15,000	2026-05-03	2026-06-04

House 12-Mo3 trades3 purchases

Senate 12-Mo0 tradesNone purchases

CoverageSTOCK Act filings30-45 day disclosure lag

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

13F Filers (last complete Q)817

13F Shares136M89.1% of shares out

New / Closed92 / 129positions, QoQ

Increased / Reduced326 / 266positions, QoQ

Put/Call (13F)0.81option positions

Free Float99.6%153M sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Artemis Investment Management Llp	588,018	$172M
Congress Asset Management Co	160,425	$47M
Assenagon Asset Management S.A.	85,601	$25M
Fjarde Ap-Fonden /Fourth Swedish N	59,662	$17M
Mn Services Vermogensbeheer B.V.	41,678	$12M
Concurrent Investment Advisors, Ll	41,490	$12M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.1%	$1.4B
VSMPX	0.1%	$1.4B
VTI	0.1%	$1.4B
VTSAX	0.1%	$1.4B
NJH	0.9%	$1.0B
NAESX	0.6%	$1.0B

13F Filers Holding TWLO — quarterly

Institutional Put/Call — quarterly

Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session45.4%2026-10-15

20-Day Avg55.8%50-day 58.9%

TrendFalling20d vs 50d

By Market CenterQ: 45% · N: 50% · B: 36%latest session

Weekly Notional ($B)

Where TWLO Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	3.8M	42 sh
Ubsa Ubs Ats	3.3M	54 sh
Sgmt Sigma X2	2.3M	45 sh
Mlix Instinct X	2.0M	68 sh
Ebxl Level Ats	1.7M	30 sh
Mspl Ms Pool (Ats-4)	1.4M	145 sh

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Where a dollar of Twilio Inc. revenue goes. All values FY2025 filings, live.

Region	Revenue	Share
UNITED STATES	$3.2B	64%
Non-US	$1.8B	36%

TWLO (live moat model)Peer median: ZS · CRWV · OKTA · VRSN · SQ

Component scores from the live moat model. Peer median illustrative.

Moat score 48/100 — Weak; primary source Cost Advantage.

3.8 · Employees (SEC filings)

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Officer	Title
Khozema Z. Shipchandler	Chief Executive Officer & Director
Aidan Viggiano	Chief Financial Officer
Andy O'Dower	Vice President of Product for Video & Voice
Bryan Vaniman	Senior Vice President of Corporate Development, Investor Relations & Treasury

Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

Quarterly EPS — Actual vs. Consensus

Beats (>2%)6 of 6recent quarters

Avg Surprise+14.5%

Next Report2026-10-29

Income Quality0.95OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Profit Margins (%)

Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	+61.3%	+34.6%	+8.6%	+7.3%	+13.7%
Gross profit	+49.9%	+34.3%	+11.2%	+13.6%	+9.2%
Operating income	+91.2%	+10.3%	-61.1%	-89.5%	-532.0%
Net income	+93.5%	+32.2%	-19.2%	-89.2%	-130.9%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	2.8	3.8	4.2	4.5	5.1
Cost of revenue	1.5	2.1	2.2	2.2	2.6
Gross profit	1.3	1.8	2.0	2.2	2.4
R&D expense	0.8	1.1	0.9	1.0	1.0
SG&A expense	1.4	1.7	1.4	1.3	1.3
Operating income	-0.9	-1.0	-0.4	-0.0	0.2
EBITDA	-0.7	-0.9	-0.7	0.1	0.3
D&A	0.3	0.3	0.3	0.2	0.2
Pretax income	-1.0	-1.2	-1.0	-0.1	0.1
Income tax	-0.0	0.0	0.0	0.0	0.0
Net income	-0.9	-1.3	-1.0	-0.1	0.0
Diluted EPS ($)	-5.45	-6.86	-5.54	-0.66	0.21
Diluted shares (M)	174	183	183	166	160

Operating CF$1B

CapEx$0B

Free cash flow$1B

SBC$1B

Buybacks$1B

Net cash change$0B

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	0.7	0.7	0.4	0.7
ST investments	3.5	3.4	2.0	1.8
Receivables (net)	0.5	0.6	0.6	0.6
Total current assets	5.0	4.9	3.4	3.6
PP&E (net)	0.4	0.3	0.2	0.2
Goodwill + intangibles	6.1	5.6	5.5	5.4
Total assets	12.6	11.6	9.9	9.8
Accounts payable	0.1	0.1	0.1	0.1
Short-term debt	0.0	0.0	0.0	0.0
Deferred revenue	0.1	0.1	0.2	0.0
Total current liabilities	0.8	0.7	0.8	0.9
Long-term debt	1.0	1.0	1.0	1.0
Total liabilities	2.0	1.9	1.9	1.9
Shareholders' equity	10.6	9.7	8.0	7.8

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	(1.3)	(1.0)	(0.1)	0.0
D&A	0.3	0.3	0.2	0.2
Stock-based compensation	0.8	0.7	0.6	0.6
Working capital change	(0.4)	(0.2)	(0.2)	(0.1)
Operating cash flow	(0.3)	0.4	0.7	1.0
Capital expenditures	(0.1)	(0.1)	(0.1)	(0.0)
Investing cash flow	(0.6)	0.2	1.4	0.1
Buybacks	0.0	(0.7)	(2.3)	(0.9)
Dividends paid	0.0	0.0	0.0	0.0
Debt issuance / (repay)	(0.0)	(0.0)	(0.0)	(0.0)
Financing cash flow	0.0	(0.6)	(2.3)	(0.9)
Free cash flow	(0.3)	0.4	0.7	1.0

Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	-9.8%	-11.6%	-10.0%	-1.2%	0.4%	14%
ROA	-8.4%	-9.8%	-8.4%	-1.0%	0.3%	10.6%
ROIC	-10.3%	-10.3%	-4.4%	-0.5%	1.7%	3.1%
Gross margin	46.3%	46.1%	47.3%	50.0%	48.0%	48.5%
Operating margin	-31.7%	-26.0%	-9.3%	-0.9%	3.4%	5.5%
Net margin	-33.4%	-32.8%	-24.4%	-2.5%	0.7%	20.6%
EBITDA margin	-23.0%	-24.0%	-16.5%	3.1%	5.4%	6.0%
FCF margin	-5.2%	-8.7%	8.8%	14.7%	20.4%	—
VALUATION
P/E	-49.61	-7.22	-13.58	-163.92	640.44	32.5
P/B	4.27	0.86	1.42	2.25	2.77	4.2
P/S	16.58	2.37	3.32	4.02	4.28	6.73
P/FCF	-317.93	-27.09	37.94	27.28	20.98	33.8
EV/EBITDA	-69.76	-6.70	-15.83	112.04	84.07	112.9
EV/Revenue	15.15	1.61	2.63	3.74	4.01	6.8
Earnings yield	-2.0%	-13.9%	-7.4%	-0.6%	0.2%	3.08%
FCF yield	-0.3%	-3.7%	2.6%	3.7%	4.8%	2.96%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	8.43	6.17	6.64	4.20	4.03	4.62
Quick ratio	8.43	6.17	6.64	4.20	4.03	4.62
Debt / equity	0.12	0.12	0.12	0.14	0.15	0.12
Debt / assets	9.9%	9.9%	10.0%	11.3%	11.6%	9.8%
Net debt / EBITDA	6.60	3.18	4.13	-8.57	-5.52	0.72
Interest coverage	-25.25	—	—	—	—	—

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	0.25	0.30	0.34	0.42	0.52	0.51
Receivables turnover	8.89	8.18	7.48	7.74	8.27	7.3
DSO (days)	41	45	49	47	44	50
DPO (days)	18	19	20	18	13	9
Cash conversion cycle	23	25	28	29	31	41
GROWTH (YoY)
Revenue growth	61.3%	34.6%	8.6%	7.3%	13.7%	—
Net income growth	-93.5%	-32.2%	19.2%	89.2%	130.9%	—
EPS growth	-71.2%	-27.8%	17.7%	88.2%	133.7%	—
FCF growth	-459.7%	-125.7%	208.7%	80.9%	57.1%	—
PER SHARE ($)
EPS (diluted, TTM)	-5.31	-6.79	-5.59	-0.66	0.22	7.52
Book value / share	61.65	57.04	53.54	47.93	51.34	58.76
Revenue / share	15.88	20.67	22.85	26.87	33.26	36.47
FCF / share	-0.83	-1.81	2.00	3.96	6.78	7.26
Cash / share	29.94	22.45	22.07	14.37	16.22	17.39
SHAREHOLDER RETURN & SCORES
Buyback yield	0.0%	0.0%	4.8%	13.0%	4.0%	2.64%
Altman Z-Score	14.61	2.71	4.30	5.31	6.34	12.0
Piotroski F-Score	3	4	7	6	6	5/9
Beneish M-Score	-2.25	-2.44	-3.06	-2.81	-2.86	-2.14

Model	Score	Zone	Note
Piotroski F-Score	5 / 9	Middling
Altman Z-Score	12.0	Safe (>2.99)	Safe
Income quality	0.95	Accrual-heavy	OCF ÷ net income
Beneish M-Score	-2.14	Elevated	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	6.65
Interest burden	1.00
Operating margin	3.1%
Asset turnover	0.54×
Financial leverage	1.22×
= ROE	13%

Growth Quality (live)	Value
Revenue stability	0.96
Earnings stability	0.66
Earnings persistence	0.50
Revenue CAGR 3y	11.2%
EPS CAGR 3y	—
FCF CAGR 3y	—

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Buyback Yield2.64%

Dividend Yield0.00%none paid

Total Shareholder Return2.49%cash yield

SBC / Revenue10.6%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
ZS	$33.8B	-531.7	-3%	-0.4%	+25.4%	5/9	-30.7%
CRWV	$33.8B	-16.8	-44%	-24.3%	+245.9%	3/9	-56.7%
OKTA	$31.3B	110.8	4%	14.4%	+11.2%	9/9	+113.5%
VRSN	$27.3B	32.8	-40%	49.8%	+6.9%	6/9	+17.8%
SQ	$51.7B	-53.5	-4%	1.3%	+5.1%	6/9	—
MDB	$27.2B	462.1	2%	5.3%	+25.5%	7/9	—
CPAY	$26.3B	24.0	31%	18.5%	+20.4%	7/9	—
FFIV	$25.0B	34.8	20%	24.1%	+9.4%	9/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Buy

52 Analysts

Str Sell (0)Sell (2)Hold (10)Buy (40)Str Buy (0)

Mean Target (qtr)$274.0714 targets

Target vs. Price+12.2%last-quarter mean

Next Report2026-10-29street $1.47

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$6.00B	$6.06B / $5.81B	$5.93	$6.05 / $5.82	16
FY2027	$6.70B	$6.92B / $6.14B	$6.79	$7.37 / $6.26	17
FY2028	$7.41B	$7.83B / $6.76B	$7.77	$11.17 / $3.99	6

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$283.67	+16.1%	3
Last Quarter	$274.07	+12.2%	14
Last Year	$205.16	-16.0%	50
All Time	$184.33	-24.6%	127

Rolling mean of published targets vs. last close $244.37. Aggregated from StreetInsider, Benzinga, MarketWatch.

Third-Party Composite Rating

B+

DCF

3/5

ROE

3/5

ROA

4/5

Debt/Eq

3/5

P/E

2/5

P/B

3/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

TWLO +129.9% vs S&P 500 +15.9% — spread +114.1pp

Sector — XLK +29.0%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$282.77	-38.40	-13.58%	Below
SMA 50	$253.96	-9.59	-3.78%	Below
SMA 200	$182.94	+61.43	+33.58%	Above
EMA 9	$272.37	-28.00	-10.28%	Below
EMA 21	$272.00	-27.63	-10.16%	Below
EMA 50	$254.90	-10.53	-4.13%	Below
EMA 200	$198.08	+46.29	+23.37%	Above

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTLEAN BEARISHPower Score -188 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%40

Momentum 25%9

Volume 20%81

Volatility 10%50

Patterns 15%38

This Week36% bullishof 11 price-based votes

4 Weeks Ago100%-64 pts since

12 Weeks Ago27%+9 pts since

ReadStabilizingweek-over-week trajectory

Price vs SMA 20$282.77

Price vs SMA 50$253.96

Price vs SMA 200$182.94

EMA 9/21 Cross272.4/272.0

SMA 50/200Golden

ADX DirectionADX 27

Supertrend$311

Parabolic SAR$301

SMA Slope0.020

RSI39.9

Stochastic K/D17/24

StochRSI K/D2/5

Williams %R-90

CCI-212

TSI vs Signal8.5

CMO-20.2

ROC-17.08%

OBV SignalAccum

Chaikin MF0.180

MFI69

Force Index-13M

Elder Ray Bull6.25

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 24

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$270.11 / $279.55 / $285.71	S1 / S2	$263.95 / $254.51
Bollinger (20,2)	$256.06 – $309.48	Squeeze	ON
52-wk range	$104.50 – $308.40	Off 52-wk high	-20.8%
ATR (14)	$16.66 (6.8%)	Historical vol	78.0%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

+8.7%Jan70%

-0.4%Feb60%

-5.0%Mar50%

+1.9%Apr56%

+12.7%May56%

+6.1%Jun60%

+5.9%Jul80%

+3.2%Aug40%

-2.1%Sep40%

-1.4%Oct50%

+3.3%Nov50%

+1.2%Dec60%

Sample: 10 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	TWLO	S&P 500
Weekly volatility (σ, 1y)	9.72%	1.83%
Best / worst week (1y)	+27.6% / -17.7%	—
Max drawdown (5y, monthly)	-89.1%	—
1-week VaR (95%)	-11.7%	—
Beta (5y)	1.41	1.00

TWLO EQUITY WEATHER (LIVE)RAINY · -16

Trend-16

Momentum-58

Volume+48

Volatility-30

Breadth-17

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 268 stories, weekly buckets, −1 to +1.

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall-15.9+2.6 vs industry

Trend-15.7+1.6 vs industry

Momentum-58.0-37.8 vs industry

Volume+47.8+48.8 vs industry

Reading	TWLO	Software - Infrastructure n=566	Technology n=6,969	All US symbols n=70,435
Overall	-15.9	-18.4	-20.7	-20.5
Trend	-15.7	-17.3	-20.8	-21.3
Momentum	-58.0	-20.2	-28.5	-15.8
Volume	+47.8	-1.0	+0.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
Khozema Shipchandler Chief Executive Officer	$24.3M	94% equity+incentive
Aidan Viggiano Chief Financial Officer	$9.5M	91% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	55
Social	58
Governance	58
Composite ESG	57

Composite ESG Trend

Filed	8-K contents	Items
2026-08-06	Earnings Release; Exhibits	2.02,9.01
2026-06-17	Officer/Director Change; Shareholder Vote; Exhibits	5.02,5.07,9.01
2026-04-30	Earnings Release; Exhibits	2.02,9.01
2026-03-24	Officer/Director Change; Regulation FD; Exhibits	5.02,7.01,9.01
2026-02-12	Results of Operations and Financial Condition; Financial Statements an	2.02,9.01
2025-10-30	Results of Operations and Financial Condition; Financial Statements an	2.02,9.01
2025-08-07	Results of Operations and Financial Condition; Financial Statements an	2.02,9.01
2025-06-11	Amendments to Articles of Incorporation or Bylaws; Submission of Matte	5.03,5.07,9.01

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2020-10-26 to 2026-08-06
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	44 rows · 2010 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-09-30 to 2026-10-05
Proposed sales (Form 144)	edgar/form144	1 record
Beneficial ownership (13D/G)	edgar/13dg	4 rows · 2026-03-27 to 2026-07-27
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.

Twilio Inc. (TWLO)

Score Breakdown

Peer Comparison — IS Score

IS Score Trend — quarterly

Twilio Inc. (TWLO)

Twilio Inc. (TWLO)

Institutions holding — 12 quarters

Twilio Inc. (TWLO)

Monthly Net Insider Flow (000 shares)

Signal Summary

Twilio Inc. (TWLO)

2.8 · Largest Reporting 13F Managers

2.9 · Top ETF & Fund Ownership

13F Filers Holding TWLO — quarterly

Institutional Put/Call — quarterly

Where TWLO Trades in the Dark

Twilio Inc. (TWLO)

3.8 · Employees (SEC filings)

Twilio Inc. (TWLO)

Twilio Inc. (TWLO)

Twilio Inc. (TWLO)

Twilio Inc. (TWLO)

Balance Sheet — Full

Cash Flow Statement — Full

Twilio Inc. (TWLO)

Twilio Inc. (TWLO)

Twilio Inc. (TWLO)

Twilio Inc. (TWLO)

Street Price Target — Trajectory

Third-Party Composite Rating

Twilio Inc. (TWLO)

Twilio Inc. (TWLO)

Family Scores (site weights)

Twilio Inc. (TWLO)

Twilio Inc. (TWLO)

Twilio Inc. (TWLO)