Tower Limited stock analysis
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Tower Limited (TWR) Stock Price & Analysis
TWR Stock Chart & Stats
- Day’s Range
- NZD 2.07 - NZD 2.10
- 52-Week Range
- NZD 1.80 - NZD 2.17
- Previous Close
- NZD 2.07
- Volume
- N/A
- Average Volume (3M)
- 198.60K
- Market Cap
- NZD 710.86M
- Enterprise Value
- NZD 665.98M
- Total Cash (Recent Filing)
- NZD 95.61M
- Total Debt (Recent Filing)
- NZD 23.29M
- Price to Earnings (P/E)
- 12.5
- Beta
- 0.11
- Next Earnings
- Nov 26, 2026 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Jun 10, 2026
- Dividend Yield
- 12.22%
Bulls Say, Bears Say
Bulls Say
Conservative Balance Sheet And Strong Recent Returns
Low leverage and a sizable, stable equity base provide financial resilience and flexibility for an insurer. The strong recent ROE indicates improved earnings power, while the conservative capital structure can support growth, claims capacity, and future investment.
Improved Catastrophe Protection At Lower Reinsurance Cost
Higher catastrophe protection combined with lower expected reinsurance costs should improve risk resilience and underwriting economics. Multi-year agreements also provide greater certainty over future costs, supporting pricing competitiveness and more stable profitability.
Deep Insurance And Governance Expertise
Adding an independent director with extensive insurance, reinsurance, capital, and governance expertise strengthens oversight of the company’s most important risks. This experience can support disciplined capital allocation, resilient underwriting, and execution of longer-term strategic initiatives.
Bears Say
Volatile Revenue Growth
The sharp reversal in revenue growth makes current earnings less predictable and raises questions about the durability of recent profitability. Continued top-line volatility could limit operating leverage, reduce funds available for investment, and complicate longer-term planning.
Uneven Cash-flow Consistency
Although recent cash generation is strong, the uneven history shows that accounting profitability has not translated consistently into free cash flow. This variability can constrain internally funded growth and make dividends, capital investment, or claims funding less predictable.
History Of Profitability Swings
The move from negative ROE to strong returns demonstrates meaningful earnings volatility even with a sound capital structure. Such swings may reflect sensitivity to insurance performance, making future returns and the sustainability of current margins less certain.
Tower Limited News
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Company Description
Tower Limited
Tower Limited, an insurance provider with a heritage stretching back to its establishment in 1869, maintains its headquarters in Auckland, New Zealand. The company furnishes a broad spectrum of general insurance policies to clients throughout New Zealand and the Pacific Islands. Its diverse offerings span personal coverage for vehicles (including cars, motorcycles, electric vehicles, boats, motorhomes, and caravans/trailers), residential properties (such as homes, contents, renters', and landlord policies), and travel protection. Additionally, Tower Limited caters to commercial and agricultural needs with dedicated insurance solutions for businesses, lifestyle blocks, and farms.
- Sector
- Financial
- Industry
- Insurance - Property & Casualty
- CEO
- Paul Johnston
- Employees
- 966
- Website
- www.tower.co.nz
- Address
- 136 Fanshawe Street, Auckland, AUK, 1142, NZ
Tower Limited (TWR) Earnings & Revenues
TWR Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 8 | 6 | 7 |
| Technical Analysis | 2 | 6 | 1 |
| Moving Averages | 6 | 0 | 6 |
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| NZ:HGHHeartland Group Holdings Ltd. |









