Obermatt

Tower

NZC:TWR · NZTWRE0011S2
InsuranceSmall

360

48
EV / EBIT69
Price / Owner Earnings45
Owner Earnings Yield60
Dividend Yield93
Price/Sales58
EV / Gross Profit25
Price/Book15
Returns on capital84
Profit margins56
Cash Conversion67
Owner Earnings Margin61
Sales growth8
Profit Growth19
Long-Term EPS Growth1
Reinvestment78
Price momentum95
Debt load90
Debt serviceability8
Liquidity82
Analyst ratings47
Opinion Changes14
Price Target Upside40
Market mood53

Profile

CountryNew Zealand
IndustryInsurance
SizeSmall
TypePublic Company
ExchangeNZSE
Founded1908
Employees761
ISINNZTWRE0011S2
Last UpdateApr 2, 2026

Description

Tower Limited operates as a comprehensive insurance provider, focusing on delivering innovative risk-based pricing and underwriting services. Business Strategy The company's business strategy pivots around sustainable growth, operational efficienc…

Analysis

Quality compounder

Tower Limited earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 10.4×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around -3% a year, against analyst forecasts of -11%. The gap between price and consensus is worth watching: demanding expectations.

Growth is weak; the safety picture is sturdy. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
76
2026

All-time high

76

Jun 2026

All-time low

62

Mar 2026

Average rank

69

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
58
Price/Earnings
65
Price/Book
15
Dividend Yield
93
Value (overall)
62

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →