Companies ›Financials ›TWR.NZ

TWR.NZ — NZX Property & Casualty Insurance

Tower Ltd

$1,86

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Mcap

640,5M NZD

P/E

7,8x

EV / Rev

—

Div yield

16,01 %

Op margin

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ROE

—

Net margin

—

Debt / equity

—

Beta

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52w range

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Volume

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Day range

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Prev close

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Open

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Next earnings

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Ex-dividend

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TR 1Y

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About

Tower Ltd provides insurance services in the property and casualty insurance sector, operating primarily in New Zealand.

Business. Tower Ltd (TWR.NZ) is a property and casualty insurance company headquartered in New Zealand. The firm operates within the Financials sector, specifically focusing on insurance activities. It is primarily listed on the New Zealand Exchange (NZX). Specific details regarding operating segments or geographic revenue mix are not available.

Classification92 %

SectorFinancials

Business sectorInsurance

IndustryProperty & Casualty Insurance

ActivityInsurance

Generated · model-assisted

Sell-side consensus

BUY5 analysts

3 buy2 hold0 sell

Avg 12m price target2,13

Analyst recommendations

5 analysts · consensus Buy

Buy3

Hold2

Sell0

12-month price target

2,13

Consensus of sell-side coverage.

Upcoming events

— missing data

See all catalysts →

At a glance

Score

—

not yet scored

5 analysts · indicative

Ownership

—

not yet wired

Profitability

—

not yet wired

Quality

—

not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning TWR.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,6 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Information Technology+0,6 %+6,7 %+0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to TWR.NZ. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Macro
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

Tower Ltd (TWR.NZ) is a property and casualty insurance company headquartered in New Zealand. The firm operates within the Financials sector, specifically focusing on insurance activities. It is primarily listed on the New Zealand Exchange (NZX). Specific details regarding operating segments or geographic revenue mix are not available.

Classification92 %

SectorFinancials

Business sectorInsurance

IndustryProperty & Casualty Insurance

ActivityInsurance

AI synthesis

GENERATED

— missing data

Key takeaways

Tower Ltd has a market capitalization of NZD 652.5 million with a current market price of NZD 1.9 per share.
Analysts project a mean price target of NZD 2.13, indicating potential upside from the current price.
No liquidity risk assessment is available due to missing balance-sheet data.
Dilution risk is currently low, with no near-term pressure identified.
Segment and geographic exposure data are not disclosed, limiting visibility into revenue concentration.

Bull / Bear case

Generated · model-assisted

— missing data

In focus — financials by report

Annual

ANNUALFiled 2025-11-27

FY 2025 · Full-year highlights

Operating income +14,7% YoY; Net income +12,6% YoY.

Revenue—

Operating incomeNZD 117.7M+14,7 % YoY

Net incomeNZD 83.7M+12,6 % YoY

Free cash flowNZD 34.9M−46,3 % YoY

EPS—

Operating cash flowNZD 143.8M+1,0 % YoY

Financials

Income statement

Revenue—

Gross profit—

Operating incomeNZD 117.7M

Net incomeNZD 83.7M

Balance sheet

Total assetsNZD 612.9M

Total liabilitiesNZD 262.3M

Total equityNZD 350.7M

Cash & equivalentsNZD 71.0M

Long-term debtNZD 25.5M

Cash flow

Operating cash flowNZD 143.8M

CapEx-NZD 22.1M

Free cash flowNZD 34.9M

SBC—

Highlights

▍Operating income +14,7% YoY
▍Net income +12,6% YoY
▍Free cash flow −46,3% YoY

Valuation FY

Market price

$1,86

Market cap

$652.5M

Enterprise valueⓘ

—

P/Eⓘ

7.8x

Non-GAAP P/Eⓘ

—

EV / Revenueⓘ

—

EV / Op incomeⓘ

—

EV / OCFⓘ

—

P / Bⓘ

—

P / Tangible bookⓘ

—

Tangible book

—

Net cashⓘ

—

Current ratioⓘ

—

Debt / equityⓘ

—

ROAⓘ

—

ROEⓘ

—

Cash conversionⓘ

—

CapEx / revenueⓘ

—

SBC / revenueⓘ

—

Dilution ratioⓘ

0.0%

Revenue by segment

Business relationships

— missing data

Supply chain

— missing data

Peer comparison

— missing data

Market position

Stress test

— missing data

Predictor forecast

Next quarternear-term

Earnings · next quarterconf 45 %

EPS

Consensus EPS

0,18

Predicted surprise

+0,00

Beat probability

45 %

Analysts

Other metrics

Revenue

—

no estimate

Segment revenue

—

no estimate

Margin

—

no estimate

Segment margin

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no estimate

as of 2026-05-24 · Earnings Surprise V1

Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.

Full fiscal year~1 year ahead

Full fiscal year · our forecast vs guidance vs consensus

Metric	Our forecast	Guidance	Consensus
EPS	—no estimate	—no estimate	0,18
Revenue	—no estimate	—no estimate	584,9M NZD
Operating income	—no estimate	—no estimate	89,7M NZD

Full-year consensus mean (period as reported by source) · consensus in NZD. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.

Probabilistic model output — not investment advice. · generated 2026-08-04

Options

— missing data

Short squeeze

— missing data

Earnings-call key lines

— missing data

Consensus distribution

sell-side coverage

Recommendation distribution5 analysts

Strong buy1

Buy2

Hold2

Sell0

Strong sell0

12-month price target$2,13 · Median $2,15

Low $1,80High $2,32

Operating income · consensus89,7M NZD

EPS surprise

+30,2 %

reported vs consensus · beat

Revenue surprise

+1,6 %

reported vs consensus · beat

Estimate revisions

consensus EPS · 26-week trend

— missing data

Sell-side observations

Low$1,80

Mean$2,13

Median$2,15

High$2,32

Spot$1,86

+14.2 %implied to mean12-month sell-side price targets · ▲ spot

Themes

— missing data

ESG

— missing data

Risk factors

Dilution riskLow

Liquidity riskUnknown

Benchmarks vs cohort

No cohort benchmark data available for this issuer yet.

Corporate actions / M&A

— missing data

FX exposure

— missing data

Comparable transactions

— missing data

Derivatives & instruments

— missing data

Actions

Set alert Open in charts

Ask Handelsavisen

— missing data

Data sources

Market data
Market data cache
Issuer disclosures
Public news
Earnings transcripts
Consensus estimates
ESG data

How metrics are computed

Dilution Ratio
(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
Market Price
input from market-data provider (delayed close or quote-shim mid)
Market Cap
market_price * shares_outstanding_diluted

Source documents

Tower Ltd Market data — financials · 2026-05-29
Tower Ltd Market data — analyst estimates · 2026-05-29
Tower Ltd Market data — ESG · 2026-05-29

Ownership & reference

Insider activity

— missing data

Short positioning

— missing data

Geographic breakdown

— missing data

Listings · one canonical issuer all listings resolve to the canonical

TWR.NZCanonical

NZX · NZD

Intel & risk

PredictorBeat prob45 %Surprise+0,00Full forecast →

peak dispatch · —

OSINT findings

Dilution riskLow

Liquidity riskUnknown

Evidence & claims

From filings & derived data

— missing data

The Thread

Everything we know, in order

2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)

2025-11-27 02:02 UTCEARNINGSAnnual results — FY 2025 Net NZD 83.7M

2024-11-28 02:01 UTCEARNINGSAnnual results — FY 2024 Net NZD 74.3M

2023-11-23 02:02 UTCEARNINGSAnnual results — FY 2023 Net NZD -1.0M

2022-11-23 03:06 UTCEARNINGSAnnual results — FY 2022 Net NZD 18.8M

2021-11-24 01:14 UTCEARNINGSAnnual results — FY 2021 Net NZD 18.7M

The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.

Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage

Analyst recommendations

At a glance

What drives this business

News & coverage

Sector rotation

Developing storylines

Analysis

Opportunity

Upcoming catalysts

Pre-earnings brief

Signals & dispatch

Composite-score breakdown

Synthesis

Bull / Bear case

In focus — financials by report

Valuation FY

Revenue by segment

Market share

Business relationships

Supply chain

Peer comparison

Market position

Stress test

Predictor forecast

Options

Short squeeze

Earnings-call key lines

Consensus distribution

Estimate revisions

Sell-side observations

Themes

ESG

Risk factors

Benchmarks vs cohort

Corporate actions / M&A

FX exposure

Comparable transactions

Derivatives & instruments

Actions

Ask Handelsavisen

Ownership & reference

Insider activity

Short positioning

Geographic breakdown

Intel & risk

Evidence & claims

The Thread