Also trades as TWR.AX.
TWR.NZ
Strong BuyFull HouseAI neutralTower Limited · Financial Services · New Zealand · $388M
NZD 2.04 +2.5% · close 6 Oct · scored 7 Oct
StockRank up 2.3 since 6 Oct: Momentum up 3 after a 3% price rise.
Full House: Strong business, sensible price, market agrees. The rare full house.
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
Tower is a New Zealand general insurer selling home, car and contents cover, and it has improved its profitability through price increases and a digital model. But forward earnings estimates were cut 4% over the past month, and results depend on weather claims and the reinsurance market.
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% | 608.0M | 525.6M | 557.9M | 1.5% |
| EPS (NZD) | 0.05 | -0.00 | 0.22 | 0.23 | 64.3% | 0.17 | 0.14 | 0.15 | -18.8% |
| Shares | 341.5M | 341.5M | 341.5M | 342.6M | +0.3% | 343.4M | — | — | — |
| Debt | 35.1M | 32.6M | 28.9M | 25.5M | -10.0% | 23.4M | — | — | — |
| Equity | 317.5M | 300.3M | 360.2M | 350.7M | 3.4% | — | — | — | — |
| Op CF | 59.8M | 10.0M | 145.2M | 143.8M | 34.0% | 119.5M | — | — | — |
| Inv CF | -23.7M | -12.3M | -116.6M | -47.0M | — | — | — | — | — |
| Fin CF | -63.7M | -23.2M | -16.5M | -102.8M | — | — | — | — | — |
Calmer than 93% of stocks we rank over the past year (19% a year).
How this is worked out
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
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 12.5x · Gross margin 70.4%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.