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    Insurance - Property & Casualty
Tower Limited

Tower Limited

TWR.AX
Tower LimitedAU flagAustralian Securities Exchange
1.52
AUD
-0.01
- -
521.99MMarket Cap
Tower Limited
TWR.AX
(Australian Securities Exchange)

Recent

price

1.52

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
FRC
2.19
2.02
1.58
0.97
1.16
1.3
1.35
1.36
0.98
0.93
0.87
0.9
0.9
1.21
1.44
1.51
Revenue per Share
0.22
0.14
0.21
0.14
0.11
-0.03
-0.11
-0.04
-0.02
0.05
0.03
0.05
0.05
- -
0.22
0.23
Basic EPS, GAAP
-0.02
-0.12
0.22
-0.09
-0.05
-0.02
-0.1
-0.03
-0.07
-0.11
-0.03
-0.03
-0.04
-0.07
-0.06
-0.06
Free Cash Flow per Basic Share
0.1
0.09
0.05
0.11
0.11
0.15
0.14
- -
- -
- -
- -
0.03
0.05
0.04
0.03
0.14
Dividend per Share
2.12
2.38
2.28
2.05
2
1.91
1.72
1.68
1.35
1.24
1.2
1.19
1.05
1.18
1.36
1.26
Book Value per Share
1.5
1.62
1.61
1.45
1.32
1.14
0.97
0.94
0.8
0.67
0.7
0.69
0.56
0.59
0.77
0.71
Tangible Book Value per Share
258
237
266
242
220
205
198
197
288
328
375
379
398
342
342
360
Basic Weighted Avg Shares
564
478
422
234
255
266
266
268
282
303
328
341
360
412
493
542
Sales/Revenue/Turnover
34.16
20.3
34.1
6.4
- -
-7.48
-19.85
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
28
28
28
23
3
4
6
8
7
8
15
17
20
23
25
25
Depreciation Expense
58
33
55
34
23
-7
-22
-8
-7
17
12
19
19
-1
74
84
Net Income, GAAP
39.74
31.28
40.86
94.41
27.79
- -
- -
- -
- -
35.35
39.06
32.11
29.87
68.37
30.95
28.94
Effective Tax Rate (%)
10.2
6.91
13.11
14.64
9.1
-2.63
-8.39
-3.16
-2.4
5.46
3.63
5.47
5.22
-0.3
15.06
15.45
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
80
81
81
- -
- -
- -
- -
30
- -
- -
6
33
29
27
24
20
LT Debt
441
456
499
381
326
281
224
216
275
293
347
350
318
300
360
351
Total Equity
23
12.57
15.24
0.16
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
10.05
5.98
8.91
5.44
5.04
- -
- -
- -
- -
4.06
2.75
3.83
4.09
-0.21
16.92
17.63
Return on Capital (%)
10.87
5.96
9.47
6.21
4.96
-1.68
-6.11
-2.52
-1.88
4.16
2.78
4.14
4.32
-0.3
17.09
18.22
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.19%
0.68%
-2.64%
Free Cash Flow
66.24%
18.08%
11.67%
Net Income, GAAP
-642.05%
-1,237.08%
12.64%
Sales/Revenue/Turnover
7.53%
10.71%
9.77%
Total Cash Common Dividend
- -
469.15%
358.14%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
412
2024
- -
- -
- -
- -
493
2025
- -
- -
- -
- -
542

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
0.22
2025
- -
- -
- -
- -
0.23

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.04
2024
- -
- -
- -
- -
0.03
2025
- -
- -
- -
- -
0.14
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Business
Tower Limited is a New Zealand-based general insurance company offering a comprehensive range of insurance products including home, contents, car, boat, landlord, motorbike, caravan, travel, pet, rural, and small business insurance. The company underwrites policies covering various risk types such as natural disasters and vehicle coverage, providing tailored insurance solutions for residential homeowners, landlords, vehicle owners, and small businesses. Tower operates primarily in New Zealand with strategic partnerships to extend its market presence. Founded in 1869 and headquartered in Auckland, Tower Limited is a leading insurer in the New Zealand market. Recently, Tower strengthened its growth foundations through a strategic partnership with Westpac New Zealand, commencing July 2026, to offer general insurance products directly to Westpac’s retail customers. This partnership aims to expand Tower’s distribution footprint significantly. Additionally, Tower launched a refreshed brand positioning and advertising campaign in 2025, which earned recognition with Kantar’s Ad Impact Award, reinforcing its market presence and customer engagement. In late 2023, Tower divested Tower Insurance (Vanuatu) Limited, which was acquired by Capital Insurance Group, reflecting a strategic realignment of its overseas operations. Tower Limited focuses on leveraging innovative risk-based pricing models, including address-level risk assessments for large events such as earthquakes and flooding, to manage climate change-related volatility. The company actively manages its environmental impact and pursues customer-centric innovation, aiming to provide simple, rewarding insurance services tailored to modern lifestyles. Tower is publicly traded on the New Zealand and Australian stock exchanges under the ticker TWR and continues to evolve through digital transformation and strategic partnerships to maintain its leadership position in the general insurance industry in New Zealand.

Company News

APIChatGPT

  • defenseworld.net

    Tower AGM: Chair hails “exceptional” FY2025, warns calm claims won’t last; FY2026 guide held