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Tower Limited
(TWR)
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Rating:75Outperform
Price Target:
$2.00
â–²(6.95% Upside)
Action:N/A
Date:10/05/26
The score is driven primarily by improved recent financial performance and a strong balance sheet, alongside attractive valuation metrics (moderate P/E and very high dividend yield). Technical indicators are neutral-to-mildly positive, providing support but not a strong momentum signal.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
Tower Limited (TWR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$673.09M
Dividend Yield12.91%
Average Volume (3M)208.59K
Price to Earnings (P/E)12.4
Beta (1Y)0.15
Revenue Growth0.08%
EPS Growth-32.20%
CountryNZ
Employees966
SectorFinancial
Sector Strength70
IndustryInsurance - Property & Casualty
Share Statistics
EPS (TTM)0.17
Shares Outstanding343,411,350
10 Day Avg. Volume190,041
30 Day Avg. Volume208,587
Financial Highlights & Ratios
PEG Ratio0.51
Price to Book (P/B)1.80
Price to Sales (P/S)1.16
P/FCF Ratio4.42
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
$2.23Price Target Upside19.43% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.18
Revenue Forecast (FY)$668.00M
Tower Limited Business Overview & Revenue Model
Company Description
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 ...
How the Company Makes Money
Tower Limited makes money primarily through insurance operations. Its main revenue stream is gross written premiums collected from customers for insurance cover (e.g., home, contents, motor, and business policies). From these premiums, Tower pays ...
Tower Limited Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
82
Very Positive
Cash Flow
69
Positive
| Breakdown | TTM | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 608.83M | 541.56M | 493.34M | 412.16M | 360.01M | 341.34M |
| Gross Profit | 608.83M | 280.57M | 493.34M | 412.16M | 360.01M | 341.34M |
| EBITDA | 80.48M | 146.07M | 134.36M | 31.52M | 45.39M | 45.00M |
| Net Income | 56.79M | 83.67M | 74.28M | -1.23M | 18.80M | 18.68M |
Balance Sheet | ||||||
| Total Assets | 567.35M | 636.85M | 635.15M | 946.18M | 804.21M | 802.31M |
| Cash, Cash Equivalents and Short-Term Investments | 95.61M | 71.05M | 64.69M | 64.01M | 84.50M | 116.13M |
| Total Debt | 23.29M | 25.55M | 28.86M | 32.62M | 35.05M | 39.42M |
| Total Liabilities | 249.28M | 286.18M | 274.99M | 645.91M | 486.69M | 452.59M |
| Stockholders Equity | 318.07M | 350.67M | 360.16M | 300.26M | 317.53M | 347.04M |
Cash Flow | ||||||
| Free Cash Flow | 117.97M | 142.60M | 125.43M | -13.65M | 57.68M | 85.69M |
| Operating Cash Flow | 119.09M | 143.76M | 145.19M | 9.96M | 59.78M | 97.72M |
| Investing Cash Flow | 2.77M | -46.95M | -116.57M | -12.43M | -23.67M | -59.22M |
| Financing Cash Flow | -89.37M | -102.84M | -16.47M | -22.25M | -63.71M | -1.89M |
Tower Limited Technical Analysis
Positive
1.87
Price Trends
1.91
Positive
1.90
Positive
1.87
Positive
Market Momentum
0.02
Positive
53.72
Neutral
33.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NZ:TWR, the sentiment is Positive. The current price of 1.87 is below the 20-day moving average (MA) of 1.97, below the 50-day MA of 1.91, and below the 200-day MA of 1.87, indicating a neutral trend. The MACD of 0.02 indicates Positive momentum. The RSI at 53.72 is Neutral, neither overbought nor oversold. The STOCH value of 33.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for NZ:TWR.
Tower Limited Peers Comparison
UnderperformOutperform
Sector (68)
NZ:TWR
Tower Limited
1.99
0.45
29.14%
NZ:HGH
Heartland Group Holdings Ltd.
1.24
0.22
22.04%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.