TWR.NZ
BuyUnloved QualityFLAGTower Limited · Financial Services · New Zealand · $388M · Avg Vol: $242K/d
Unloved Quality: Strong and cheap, but the market has not turned yet. Patience required.
Tower has strong quality Q74 and value V66, but momentum at M38 is well below the calibrated floor, so stage one fails. A 3.2% forward-EPS cut is separately adverse.
The ranks quoted here are from the day it was written; today's Quality, Value and Momentum are the bars above.
ABOUT TOWER LIMITED
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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,...
FINANCIAL SUMMARY (NZD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 360.0M | 412.2M | 493.3M | 541.6M | 14.6% | 611.5M | 525.6M | 557.9M | 1.5% |
| EPS (NZD) | 0.05 | -0.00 | 0.22 | 0.23 | 64.3% | 0.17 | 0.14 | 0.15 | -19.8% |
| Shares | 341.5M | 341.5M | 341.5M | 342.6M | +0.3% | 343.4M | — | — | — |
| Debt | 35.1M | 32.6M | 28.9M | 25.5M | -10.0% | 23.5M | — | — | — |
| Equity | 317.5M | 300.3M | 360.2M | 350.7M | 3.4% | — | — | — | — |
| Op CF | 59.8M | 10.0M | 145.2M | 143.8M | 34.0% | 120.2M | — | — | — |
| Inv CF | -23.7M | -12.3M | -116.6M | -47.0M | — | — | — | — | — |
| Fin CF | -63.7M | -23.2M | -16.5M | -102.8M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of TWR.NZ are excluded.
Peer medians: ROE 13.2% · P/E 12.4x · Gross margin 70.4%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.