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Tower Limited (TWR.NZ)
NZD1.89
+0.02 (+1.07%)
NZ NZE Financial Services Insurance - Property & Casualty
Address
136 Fanshawe Street 1010
Auckland, NZ
Auckland, NZ
CEO
Paul Johnston
Website
tower.co.nz
IPO
2000-01-01
ISIN NZTWRE0011S2
Also trades on
Australian Securities Exchange · TWR.AX (AUD)
New Zealand Exchange · TWR.NZ (NZD)
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 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.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
NZD1.89
+0.02 (+1.07%)
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Volume Profile
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Liquidity & share structure
Average Volume
353.5K
Beta
0.10
Float Shares
329.70M
Free Float %
96.0%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.05% | -8.05% | -5.28% | +1.89% | -1.82% | -6.68% | +25.67% | +209.02% | +146.41% | +65.35% | -54.69% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
1.89
DCF (Unlevered)
2.86
+51.2%
DCF (Levered)
13.32
+604.5%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
60% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 2 | 0 |
| Hold | 2 | +1 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
5.13
Safe zone
Piotroski F-Score
6 / 9
Average
MOAT Score
8 / 10
Strong MOAT
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
4 / 5
High
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
3 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
★ Strong MOAT
-
Revenue growth Insurance - Property & Casualty: +14.1%+9.8% Q1'26: +7.6% (vs Q1'24)
-
EPS growth Insurance - Property & Casualty: +27.5%+15.0% Q1'26: +54.6% (vs Q1'24)
-
FCF margin FCF growth · Insurance - Property & Casualty: +25.6%+25.8% ★ Q1'26: +10.8% (vs Q1'24)
-
EBIT margin Insurance - Property & Casualty: +16.3%+22.3% ★ Q1'26: +10.9% (vs Q1'24)
-
ROIC Insurance - Property & Casualty: +7.9%+28.1% ★ Q1'26: +37.6% (vs Q1'24)
-
Share dilution Insurance - Property & Casualty: +0.4%-4.1% ★ Q1'26: -8.7% (vs Q1'24)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Property & Casualty: -0.10×0.17× ★ Q1'26: 0.18× (vs Q1'24)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Sep 2015 actual |
Sep 2016 actual |
Sep 2017 actual |
Sep 2018 actual |
Sep 2019 actual |
Sep 2020 actual |
Sep 2021 actual |
Sep 2022 actual |
Sep 2023 actual |
Sep 2024 actual |
Sep 2025 actual |
Sep 2026 3 Rev. Ana. 2 EPS Ana. |
Sep 2027 2 Rev. Ana. 2 EPS Ana. |
Sep 2028 2 Rev. Ana. 1 EPS Ana. |
Sep 2029 1 Rev. Ana. 1 EPS Ana. |
Sep 2030 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
265.68M
est: 308.40M (-13.9%)
|
266.25M
est: 280.55M (-5.1%)
|
267.60M
est: 256.40M (+4.4%)
|
281.72M
est: 318.00M (-11.4%)
|
303.36M
est: 166.31M (+82.4%)
|
327.89M
est: 329.75M (-0.6%)
|
341.34M
est: 369.49M (-7.6%)
|
360.01M
est: 394.33M (-8.7%)
|
412.16M
est: 456.30M (-9.7%)
|
493.34M
est: 549.86M (-10.3%)
|
541.56M
est: 578.47M (-6.4%)
|
599.50M
569.86M – 647.32M
+3.6% YoY
|
640.99M
585.88M – 696.11M
+6.9% YoY
|
691.53M
680.35M – 702.71M
+7.9% YoY
|
757.60M
705.79M – 820.47M
+9.6% YoY
|
791.70M
737.55M – 857.40M
+4.5% YoY
|
| EBITDA |
-5.90M
est: 52.02M (-111.3%)
|
-657.0K
est: 47.32M (-101.4%)
|
3.26M
est: 43.25M (-92.5%)
|
-757.0K
est: 53.63M (-101.4%)
|
34.48M
est: 28.05M (+22.9%)
|
34.10M
est: 55.62M (-38.7%)
|
45.00M
est: 62.32M (-27.8%)
|
45.39M
est: 66.51M (-31.7%)
|
31.52M
est: 79.99M (-60.6%)
|
134.36M
est: 96.39M (+39.4%)
|
146.08M
est: 101.40M (+44.1%)
|
105.09M
99.90M – 113.47M
+3.6% YoY
|
112.36M
102.70M – 122.03M
+6.9% YoY
|
121.22M
119.26M – 123.18M
+7.9% YoY
|
132.80M
123.72M – 143.83M
+9.6% YoY
|
138.78M
129.29M – 150.30M
+4.5% YoY
|
| EBIT |
-9.93M
est: 36.44M (-127.3%)
|
-26.43M
est: 33.15M (-179.7%)
|
-5.16M
est: 30.30M (-117.0%)
|
-7.45M
est: 37.57M (-119.8%)
|
26.31M
est: 19.65M (+33.9%)
|
19.81M
est: 38.96M (-49.2%)
|
28.01M
est: 43.66M (-35.8%)
|
25.87M
est: 46.59M (-44.5%)
|
8.36M
est: 56.41M (-85.2%)
|
109.13M
est: 67.98M (+60.5%)
|
120.65M
est: 71.52M (+68.7%)
|
74.12M
70.46M – 80.03M
+3.6% YoY
|
79.25M
72.43M – 86.06M
+6.9% YoY
|
85.50M
84.11M – 86.88M
+7.9% YoY
|
93.67M
87.26M – 101.44M
+9.6% YoY
|
97.88M
91.19M – 106.01M
+4.5% YoY
|
| Net Income |
-6.98M
est: 14.42M (-148.4%)
|
-22.33M
est: 16.41M (-236.1%)
|
-8.46M
est: 22.05M (-138.4%)
|
-6.77M
est: -2.84M (-138.1%)
|
16.57M
est: 20.00M (-17.2%)
|
11.89M
est: 17.37M (-31.5%)
|
18.68M
est: 17.92M (+4.2%)
|
18.80M
est: 23.35M (-19.5%)
|
-1.23M
est: 33.25M (-103.7%)
|
74.29M
est: 88.21M (-15.8%)
|
83.67M
est: 109.69M (-23.7%)
|
66.98M
61.83M – 72.12M
-38.9% YoY
|
63.29M
61.36M – 80.56M
-5.5% YoY
|
73.73M
70.48M – 85.70M
+16.5% YoY
|
94.22M
85.84M – 104.39M
+27.8% YoY
|
96.04M
87.50M – 106.40M
+1.9% YoY
|
| SGA |
30.14M
est: 61.65M (-51.1%)
|
32.12M
est: 56.08M (-42.7%)
|
27.60M
est: 51.25M (-46.1%)
|
36.97M
est: 63.57M (-41.8%)
|
66.57M
est: 33.24M (+100.2%)
|
52.32M
est: 65.92M (-20.6%)
|
46.24M
est: 73.86M (-37.4%)
|
91.80M
est: 78.82M (+16.5%)
|
92.70M
est: 93.61M (-1.0%)
|
96.86M
est: 112.81M (-14.1%)
|
115.95M
est: 118.68M (-2.3%)
|
122.99M
116.91M – 132.80M
+3.6% YoY
|
131.50M
120.20M – 142.81M
+6.9% YoY
|
141.87M
139.58M – 144.17M
+7.9% YoY
|
155.43M
144.80M – 168.33M
+9.6% YoY
|
162.42M
151.31M – 175.90M
+4.5% YoY
|
| EPS |
-0.03
est: 0.04 (-177.4%)
|
-0.10
est: 0.05 (-321.7%)
|
-0.04
est: 0.06 (-163.7%)
|
-0.02
est: -0.01 (-181.3%)
|
0.05
est: 0.05 (-17.2%)
|
0.03
est: 0.05 (-40.3%)
|
0.04
est: 0.05 (-10.1%)
|
0.05
est: 0.06 (-26.3%)
|
0.00
est: 0.09 (-103.5%)
|
0.20
est: 0.22 (-9.0%)
|
0.23
est: 0.30 (-23.0%)
|
0.18
0.17 – 0.20
-40.4% YoY
|
0.18
0.17 – 0.22
+3.2% YoY
|
0.21
0.19 – 0.24
+15.7% YoY
|
0.26
0.24 – 0.29
+21.8% YoY
|
0.26
0.24 – 0.29
+1.9% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-26 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-25 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-22 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-21 | A | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-20 | A | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-19 | A | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-18 | A | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-15 | A | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-05-14 | A | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-05-13 | A | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-05-12 | A | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-05-11 | A | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-05-08 | A | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-05-07 | A | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-05-06 | A | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-05-05 | A | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-05-04 | A | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-05-01 | A | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-04-30 | A | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-04-29 | A | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-04-28 | A | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-04-24 | A | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 4/5 | 2/5 |
| 2026-04-23 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-22 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-21 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-20 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-17 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-16 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
228.93M
OE per share TTM
0.65
Owner's Yield
34.96%
Maintenance CapEx ratio
2.74%
Maint CapEx / Avg PPE
6.1%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 7 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Dimensional - International Small Cap ETF DFIS | 0.01% | 540.9K | 0.39% |
| 2 | Dimensional International Sustainability Core 1 ETF DFSI | 0.00% | 44.6K | 0.24% |
| 3 | Dimensional - International Core Equity 2 ETF DFIC | 0.00% | 462.3K | 0.22% |
| 4 | Dimensional - International Vector Equity ETF DXIV | 0.00% | 4.8K | 0.53% |
| 5 | Avantis Responsible International Equity ETF AVSD | 0.00% | 10.9K | 0.23% |
| 6 | Dimensional World ex U.S. Core Equity 2 ETF DFAX | 0.00% | 233.1K | 0.28% |
| 7 | Avantis International Equity ETF AVDE | 0.00% | 36.4K | 0.23% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
131.9K
Shares Outstanding
343.41M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Paul Johnston | Chief Executive Officer | 657.6K | male |
| Emily Davies | Head of Corporate Affairs & Sustainability | — | female |
| James Silcock | Head of Strategy, Planning & Investor Relations | — | male |
| Johannah Benton | Acting Co Chief Data Digital Officer | — | — |
| Michelle Finch | Chief Customer & Marketing Officer | — | female |
| Ronald Mudaliar | Chief Underwriting Officer | — | male |
| Sharyn Reichstein | Chief Risk Officer | — | female |
| Simon John Hoole | Interim Chief Financial Officer | — | male |
| Stephen Hastings | Chief Data & Analytics Officer | — | — |
| Steve Wilson | Chief Claims Officer | — | male |
| Angus Shelton | Interim Chief Financial Officer | — | male |
| Tania Pearson | General Counsel & Company Secretary | — | — |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for TWR.NZ
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
