1. New Zealand Stocks

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    Financial Services

  3. •

    Insurance - Property & Casualty
Tower Limited

Tower Limited

TWR.NZ
Tower LimitedNZ flagNew Zealand Exchange
1.86
NZD
+0.01
- -
637.03MMarket Cap
Tower Limited
TWR.NZ
(New Zealand Exchange)

Recent

price

1.86

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
FRC
2.43
2.02
1.76
0.97
1.16
1.3
1.35
1.36
0.98
0.93
0.87
0.9
1.01
1.21
1.44
1.51
Revenue per Share
0.25
0.14
0.23
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
0.24
-0.09
-0.05
-0.02
-0.1
-0.03
-0.07
-0.11
-0.03
-0.03
-0.05
-0.07
-0.06
-0.06
Free Cash Flow per Basic Share
0.11
0.09
0.06
0.11
0.11
0.15
0.14
- -
- -
- -
- -
0.03
0.06
0.04
0.03
0.14
Dividend per Share
2.36
2.38
2.53
2.05
2
1.91
1.72
1.68
1.35
1.24
1.2
1.19
1.17
1.18
1.36
1.26
Book Value per Share
1.67
1.62
1.79
1.45
1.32
1.14
0.97
0.94
0.8
0.67
0.7
0.69
0.62
0.59
0.77
0.71
Tangible Book Value per Share
232
237
240
242
220
205
198
197
288
328
375
379
358
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 delivers a broad spectrum of general insurance solutions across New Zealand and its Pacific Island markets, including Fiji, Tonga, Samoa, American Samoa, and the Cook Islands. Their extensive product offerings encompass coverage for motor vehicles, homes, personal belongings, rental properties, businesses, travel, and even unique assets like boats, motorbikes, electric vehicles, and lifestyle blocks. Celebrating over 150 years, the company emphasizes digital transformation, with its self-service platform enabling customers to easily manage their policies and claims, and it holds the distinction of being New Zealand's pioneering insurer to implement address-level risk-based pricing for natural perils. Headquartered in Auckland, New Zealand, Tower recently announced a significant partnership with Westpac NZ to broaden its reach to the bank's retail clients starting in July 2026, further solidifying its position in the region. The company recorded robust financial performance in FY24, reflecting strategic improvements and operational efficiencies.