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Home CompaniesTower Ltd

Tower Ltd

Financial Services Insurance - Property & Casualty
PortfolioPortfolio WatchlistWatchlist
Company price
1.705 AUD 0.01 ( 0.59%)
Last update at 2026-11-06T04:42:00Z
VOLUME
5742
Market Cap
582.08M
P/E
11.30

Momentum Score

…

Tower Limited provides general insurance products in New Zealand and the Pacific Islands. Its insurance products include car, house, contents, contract works and renovation cover, landlord, boat, business, travel, pet, renters, house and contents bundle, electric vehicle, motorbike and motorcycle, lifestyle block, caravan or trailer, as well as motorhome, campervan and RV insurance. It also offers multi-policy discount insurance. Tower Limited was founded in 1869 and is headquartered in Auckland, New Zealand.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
1.66
Low
1.72
High
52 Week Price Range
1.41
Low
1.78
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Tower Limited is a New Zealand‑headquartered insurer offering personal and commercial general insurance across New Zealand and Australia via direct and broker channels. Investors may find it attractive for its established domestic market position and initiatives in underwriting discipline, digital distribution and capital/reinsurance management that may support more stable earnings over the long term.
Principal risks include large natural catastrophe losses and reinsurance cost volatility, competitive pricing pressure, sensitivity to investment returns and regulatory or capital constraints that could affect profitability.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
1.70
Dividend Yield
12.72%
Revenue TTM
606.02M
Revenue Per Share
1.77
Gross Profit TTM
90.80M
Debt / Equity
0.08
ROE
17.17%
Net Debt
-46.53M
ROCE
12.98%
Diluted EPS TTM
0.15

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Income before tax 117.75M 102.66M 7.44M 25.20M 28.45M
Minority interest - - - -0.05M -0.63M
Net income 83.67M 74.28M -1.23M 18.80M 18.68M
Selling general administrative 101.88M 82.06M 79.57M 80.04M 37.72M
Selling and marketing expenses 14.07M 14.79M 13.13M 11.76M 8.52M
Gross profit 280.57M 284.05M 412.16M 360.01M 341.34M
Reconciled depreciation 25.43M 25.23M 23.16M 19.71M 17.27M
Ebit 120.65M 109.13M 2.95M 27.23M 27.11M
Ebitda 146.07M 134.36M 26.11M 46.94M 44.38M
Depreciation and amortization 25.43M 25.23M 23.16M 19.71M 17.27M
Operating income 117.75M 578.83M 2.95M 27.23M 27.11M
Other operating expenses 423.81M 390.68M 404.73M 334.81M 312.89M
Interest expense 2.90M 6.47M 0.92M 0.90M 0.38M
Tax provision 34.07M 31.77M 5.08M 7.53M 9.13M
Interest income 16.97M 20.64M 12.87M 6.83M 5.15M
Net interest income -2.90M -6.47M -0.92M -0.90M -0.38M
Income tax expense 34.07M 31.77M 5.08M 7.53M 9.13M
Total revenue 541.56M 493.34M 412.16M 360.01M 341.34M
Total operating expenses 162.82M 390.68M -409.21M -332.79M -314.23M
Cost of revenue 260.99M 209.29M - - -
Total other income expense net 596.96M -476.17M 0.91M -2.03M 1.34M
Discontinued operations - - - 1.18M 1.18M
Net income from continuing ops 83.67M 70.88M 2.35M 17.67M 19.32M
Net income applicable to common shares - - - 18.80M 18.68M
Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Total assets 612.93M 635.15M 946.18M 804.21M 802.31M
Intangible assets 75.72M 78.88M 80.78M 76.91M 70.85M
Other current assets - -95.19M - 40.45M 29.41M
Total liab 262.27M 274.99M 645.91M 486.69M 452.59M
Total stockholder equity 350.67M 360.16M 300.26M 317.53M 347.04M
Other current liab - -21.66M -16.58M -20.91M -16.46M
Common stock - 460.73M 460.31M 460.19M 492.42M
Capital stock 417.22M - 460.31M 460.19M 492.42M
Retained earnings 35.95M 4.43M -55.95M -41.21M -39.99M
Other liab - - - 12.46M 3.25M
Good will 17.74M 17.74M 17.74M 17.74M 17.74M
Other assets - 635.15M 340.33M 354.23M 346.79M
Cash 71.05M 75.39M 64.01M 84.50M 116.13M
Total current liabilities - - 16.58M 20.91M 16.46M
Net debt - -46.53M -31.39M -49.45M -76.71M
Short term debt - 4.91M 5.48M 6.24M 6.08M
Short long term debt total - 28.86M 32.62M 35.05M 39.42M
Other stockholder equity - - - -101.45M -105.39M
Property plant equipment - - - 28.74M 34.95M
Total current assets - - 477.83M 326.59M 331.98M
Net tangible assets - - - 222.88M 258.45M
Net receivables - 19.80M 413.83M 242.09M 215.85M
Accounts payable 16.47M 16.75M 11.10M 14.67M 10.38M
Accumulated other comprehensive income - -105.01M -104.10M -101.45M -105.39M
Non currrent assets other - -123.35M -128.01M -123.40M -123.54M
Non current assets total - - 128.01M 123.40M 123.54M
Capital lease obligations 25.55M - 32.62M 35.05M 39.42M
Long term debt total - - - - 39.42M
Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Investments -24.96M -116.57M -12.28M -0.17M -32.24M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities -46.95M -116.57M -12.28M -23.67M -58.70M
Net borrowings - - - -6.04M 8.10M
Total cash from financing activities -102.84M -16.47M -23.18M -63.71M -2.82M
Change to operating activities - - - 41.45M 8.84M
Net income 83.67M 74.28M -1.23M 18.80M 18.68M
Change in cash -4.34M 10.08M -28.29M -23.83M 36.02M
Begin period cash flow 75.39M 65.31M 92.30M 116.13M 80.11M
End period cash flow 71.05M 75.39M 64.01M 92.30M 116.13M
Total cash from operating activities 143.76M 145.19M 8.66M 38.52M 98.64M
Depreciation - - 12.02M 19.71M 17.27M
Other cashflows from investing activities -20.83M -15.27M -11.62M -0.10M -32.24M
Dividends paid 52.16M 11.38M 15.22M 20.03M 10.54M
Change to account receivables - -4.38M -184.70M -30.50M 41.61M
Sale purchase of stock -45.55M - - -30.63M -
Other cashflows from financing activities -5.14M -0.03M -7.96M -13.05M 7.72M
Change to netincome - - - 11.01M 11.70M
Capital expenditures 22.06M 19.75M 23.62M 17.31M 12.03M
Change in working capital - 18.19M -184.70M -30.57M 51.37M
Stock based compensation - 0.42M - - -
Other non cash items 143.76M 126.58M 182.57M -38.52M -35.95M
Free cash flow 121.70M 125.43M -14.96M 21.21M 86.61M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Property & Casualty

Stock Name
Change
(AUD)
Price
(AUD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
TWR
Tower Ltd		 0.01
0.59%		 1.71 11.30 9.96 0.96 2.27 1.20
QBE
QBE Insurance Group Limited		 0.86
3.32%		 26.75 12.68 16.42 2.06 2.31 1.45
SUN
Suncorp Group Ltd		 0.22
1.10%		 20.29 21.13 16.69 1.41 2.00 1.47
IAG
Insurance Australia Group Ltd		 0.06
0.68%		 8.91 - 16.58 1.08 0.61 1.34
IAGPE
Insurance Australia Group Ltd		 -
-%		 105.00 - - - - -

Profile*

Tower Ltd

Tower Limited provides general insurance products in New Zealand and the Pacific Islands. Its insurance products include car, house, contents, contract works and renovation cover, landlord, boat, business, travel, pet, renters, house and contents bundle, electric vehicle, motorbike and motorcycle, lifestyle block, caravan or trailer, as well as motorhome, campervan and RV insurance. It also offers multi-policy discount insurance. Tower Limited was founded in 1869 and is headquartered in Auckland, New Zealand.

136 Fanshawe Street, Auckland, New Zealand, 1142

64 9 369 2000

https://www.tower.co.nz

966

Name Title Year Born
Mr. Blair McLaren Turnbull Chief Exec. Officer NA
Mr. Paul Johnston Chief Financial Officer NA
Tania Pearson Gen. Counsel & Company Sec. NA
Ms. Emily Davies Head of Corp. Affairs & Sustainability NA
Mr. Andrew John Hambleton Chief People & Transformation Officer and Acting MD of Pacific NA
Mr. Ronald Mudaliar Chief Underwriting Officer NA
Ms. Paula Ter Brake MD of Pacific NA
Mr. Jonathan Beale Managing Director of Partnerships NA
Mr. Steve Wilson Chief Claims Officer NA
Mr. James Brownell Acting Chief Risk Officer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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