TWR$1.9057

Tower Ltd

Property & Casualty InsuranceVerified

Tower Ltd has a market capitalization of NZD 652.5 million, with a current market price of NZD 1.9 per share. The company has 343.4 million shares outstanding, with no dilution observed between basic and diluted shares. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. Profitability metrics are not available in the current dataset, and no industry-specific preferred metrics are provided for comparison. The company's capital structure and returns on invested capital remain opaque without further financial disclosures. Segment and geographic exposure data are not disclosed in the available source documents, making it impossible to assess revenue concentration or geographic diversification. Growth trajectory is not quantified in the current dataset, but analyst price targets suggest a potential upside from the current market price of NZD 1.9 to a mean of NZD 2.13 and a median of NZD 2.15. No revenue history is provided to support a growth narrative. Risk factors include the inability to assess liquidity risk due to missing balance-sheet data. Dilution risk is currently low, with no near-term pressure identified. No recent events, filings, or transcripts are available to inform the company's current risk profile.

30-day price · TWR-0.04 (-2.4%)

Low$1.85High$2.17Close$1.86As of22 May, 00:00 UTC

Profile

CompanyTower Ltd

TickerTWR.NZ

SectorFinancials

BusinessInsurance

Industry groupInsurance

IndustryProperty & Casualty Insurance

AI analysis

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

Classification. Tower Ltd is classified under the Financials sector, specifically in the Insurance business sector and Property & Casualty Insurance industry, with a confidence level of 0.92.

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.
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## RATIONALES
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Financial snapshot

PeriodHA-latest

CurrencyNZD

Revenue—

Gross profit—

Operating income—

Net income—

R&D—

SG&A—

D&A—

SBC—

Operating cash flow—

CapEx—

Free cash flow—

Total assets—

Total liabilities—

Total equity—

Cash & equivalents—

Long-term debt—

Annual history (last 5)

PeriodRevenueOp IncomeNet IncomeFCF

FY-4—$28.0M$18.7M$69.0k

FY-3—$25.0M$18.8M-$6.2M

FY-2—$7.8M-$1.0M-$12.9M

FY-1—$102.7M$74.3M$65.0M

FY0—$117.7M$83.7M$34.9M

PeriodGross %Op %Net %FCF %

FY-4————

FY-3————

FY-2————

FY-1————

FY0————

PeriodAssetsEquityCashDebt

FY-4$803.4M$347.0M$116.1M—

FY-3$804.2M$317.5M$84.5M—

FY-2$655.3M$297.7M$64.0M—

FY-1$635.1M$360.2M$75.4M—

FY0$612.9M$350.7M$71.0M—

PeriodOCFCapExFCFSBC

FY-4$50.4M-$26.5M$69.0k—

FY-3$10.3M-$23.4M-$6.2M—

FY-2$25.3M-$23.8M-$12.9M—

FY-1$142.3M-$19.8M$65.0M—

FY0$143.8M-$22.1M$34.9M—

Quarterly history (last 4)

PeriodRevenueOp IncomeNet IncomeFCF

FQ-7————

FQ-6————

FQ-5————

FQ-4————

FQ-3————

FQ-2————

FQ-1————

FQ0————

PeriodGross %Op %Net %FCF %

FQ-7————

FQ-6————

FQ-5————

FQ-4————

FQ-3————

FQ-2————

FQ-1————

FQ0————

PeriodAssetsEquityCashDebt

FQ-7————

FQ-6————

FQ-5————

FQ-4————

FQ-3————

FQ-2————

FQ-1————

FQ0————

PeriodOCFCapExFCFSBC

FQ-7————

FQ-6————

FQ-5————

FQ-4————

FQ-3————

FQ-2————

FQ-1————

FQ0————

Valuation

Market price$1.90

Market cap$652.5M

Enterprise value—

P/E—

Reported 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—

Asset intensity—

Dilution ratio0.0%

Risk assessment

Dilution riskLow

Liquidity riskUnknown

Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).

Industry benchmarks

Activity: Insurance · cohort 5 companies

MetricTWRActivity

Op margin—19.9% medp25 18.5% · p75 33.1%

Net margin—13.0% medp25 12.2% · p75 21.2%

Gross margin—63.2% medp25 34.2% · p75 67.3%

CapEx / revenue—-1.6% medp25 -2.7% · p75 -0.1%

Debt / equity—4.8% medp25 0.3% · p75 25.4%

Observations

IR observations

Mean price target2.13 NZD

Median price target2.15 NZD

High price target2.32 NZD

Low price target1.80 NZD

Mean recommendation2.20 (1=strong buy, 5=strong sell)

Strong-buy count1.00

Buy count2.00

Hold count2.00

Sell count0.00

Strong-sell count0.00

Mean EPS estimate0.18 NZD

Last actual EPS0.23 NZD

Source data

Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.

Company fundamentalsperiod FQ-7 · history via verified-market-data

no public URL

2026-05-24 15:20 UTC#0d10387b

Source: analysis-pipeline (hybrid)Generated: 2026-05-29 19:56 UTCJob: ff3445ec