Tower Limited Logo

Tower Limited

TWR.NZ

(3.2)
Stock Price

1,33 NZD

7.96% ROA

13.01% ROE

12.47x PER

Market Cap.

514.200.820,00 NZD

0% DER

2.21% Yield

6.95% NPM

Tower Limited Stock Analysis

Tower Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Tower Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.79x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a minimal amount of debt (11%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Revenue Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 ROE

The stock's ROE falls within an average range (5.66%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (2.65%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Net Profit Growth

Throughout the last three years, this company has experienced consistent net profit growth, reflecting a robust financial performance and making it an attractive investment prospect.

7 Assets Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

8 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

9 Dividend

Investors can take comfort in the fact that the company has consistently distributed dividends over the past three years, demonstrating a commitment to rewarding shareholders.

10 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (3) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

11 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

Tower Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Tower Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Hold
4 Stoch RSI Buy

Tower Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Tower Limited Revenue
Year Revenue Growth
1997 0
1998 1.195.039.008 100%
1999 1.311.553.000 8.88%
2000 1.726.980.000 24.06%
2001 1.222.793.000 -41.23%
2002 725.761.000 -68.48%
2003 987.251.000 26.49%
2004 1.221.458.000 19.17%
2005 1.301.771.000 6.17%
2006 472.336.000 -175.6%
2007 481.217.000 1.85%
2008 454.799.000 -5.81%
2009 481.780.000 5.6%
2010 564.162.000 14.6%
2011 478.458.000 -17.91%
2012 422.242.000 -13.31%
2013 233.993.000 -80.45%
2014 254.864.000 8.19%
2015 265.683.000 4.07%
2016 266.245.000 0.21%
2017 267.598.000 0.51%
2018 281.722.000 5.01%
2019 303.357.000 7.13%
2020 327.887.000 7.48%
2021 341.343.000 3.94%
2022 360.012.000 5.19%
2023 412.162.000 12.65%
2024 556.936.000 25.99%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Tower Limited Research and Development Expenses
Year Research and Development Expenses Growth
1997 0
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Tower Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
1997 0
1998 4.177.000 100%
1999 12.468.000 66.5%
2000 138.715.000 91.01%
2001 723.000 -19086.03%
2002 881.000 17.93%
2003 0 0%
2004 809.000 100%
2005 798.000 -1.38%
2006 54.909.000 98.55%
2007 150.680.000 63.56%
2008 157.800.000 4.51%
2009 147.708.000 -6.83%
2010 145.217.000 -1.72%
2011 147.228.000 1.37%
2012 114.193.000 -28.93%
2013 72.069.000 -58.45%
2014 31.552.000 -128.41%
2015 30.141.000 -4.68%
2016 32.115.000 6.15%
2017 27.602.000 -16.35%
2018 36.974.000 25.35%
2019 57.799.000 36.03%
2020 44.136.000 -30.96%
2021 37.720.000 -17.01%
2022 80.043.000 52.88%
2023 79.570.000 -0.59%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Tower Limited EBITDA
Year EBITDA Growth
1997 178.263.000
1998 -785.792.000 122.69%
1999 -38.312.000 -1951.03%
2000 209.237.000 118.31%
2001 -1.037.114.000 120.17%
2002 -92.351.000 -1023.01%
2003 21.195.000 535.72%
2004 119.615.000 82.28%
2005 150.004.000 20.26%
2006 107.700.000 -39.28%
2007 364.173.000 70.43%
2008 163.104.000 -123.28%
2009 164.543.000 0.87%
2010 123.240.000 -33.51%
2011 76.117.000 -61.91%
2012 112.658.000 32.44%
2013 63.571.000 -77.22%
2014 34.210.000 -85.83%
2015 24.950.000 -37.11%
2016 -657.000 3897.56%
2017 1.967.000 133.4%
2018 -1.374.000 243.16%
2019 33.925.000 104.05%
2020 34.954.000 2.94%
2021 44.379.000 21.24%
2022 44.689.000 0.69%
2023 26.110.000 -71.16%
2024 -996.004 2721.48%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Tower Limited Gross Profit
Year Gross Profit Growth
1997 0
1998 1.195.039.008 100%
1999 1.311.553.000 8.88%
2000 1.726.980.000 24.06%
2001 1.222.793.000 -41.23%
2002 725.761.000 -68.48%
2003 987.251.000 26.49%
2004 1.221.458.000 19.17%
2005 1.301.771.000 6.17%
2006 472.336.000 -175.6%
2007 481.217.000 1.85%
2008 454.799.000 -5.81%
2009 481.780.000 5.6%
2010 564.162.000 14.6%
2011 478.458.000 -17.91%
2012 422.242.000 -13.31%
2013 233.993.000 -80.45%
2014 254.864.000 8.19%
2015 265.683.000 4.07%
2016 266.245.000 0.21%
2017 267.598.000 0.51%
2018 281.722.000 5.01%
2019 303.357.000 7.13%
2020 327.887.000 7.48%
2021 341.343.000 3.94%
2022 360.012.000 5.19%
2023 412.162.000 12.65%
2024 1.116.736.000 63.09%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Tower Limited Net Profit
Year Net Profit Growth
1997 65.959.000
1998 68.026.000 3.04%
1999 73.105.000 6.95%
2000 99.651.000 26.64%
2001 77.201.000 -29.08%
2002 -16.000 482606.25%
2003 -11.000 -45.45%
2004 -143.000 92.31%
2005 -1.685.000 91.51%
2006 63.494.000 102.65%
2007 232.632.000 72.71%
2008 40.460.000 -474.97%
2009 49.537.000 18.32%
2010 57.554.000 13.93%
2011 33.066.000 -74.06%
2012 55.339.000 40.25%
2013 34.245.000 -61.6%
2014 23.194.000 -47.65%
2015 -6.982.000 432.2%
2016 -22.328.000 68.73%
2017 -8.461.000 -163.89%
2018 -6.773.000 -24.92%
2019 16.565.000 140.89%
2020 11.892.000 -39.3%
2021 18.683.000 36.35%
2022 18.803.000 0.64%
2023 -1.228.000 1631.19%
2024 64.831.996 101.89%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Tower Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1997 0
1998 1 0%
1999 0 0%
2000 1 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 1 100%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Tower Limited Free Cashflow
Year Free Cashflow Growth
1998 0
1999 361.846.000 100%
2000 238.078.000 -51.99%
2001 -97.411.000 344.41%
2002 -137.878.000 29.35%
2003 -141.034.000 2.24%
2004 -5.173.000 -2626.35%
2005 -3.771.000 -37.18%
2006 -35.533.000 89.39%
2007 -39.044.000 8.99%
2008 69.924.000 155.84%
2009 19.238.000 -263.47%
2010 -5.449.000 453.06%
2011 -28.293.000 80.74%
2012 57.603.000 149.12%
2013 -21.685.000 365.64%
2014 22.392.999 196.84%
2015 -3.669.000 710.33%
2016 -19.485.000 81.17%
2017 -40.432.999 51.81%
2018 -9.618.000 -320.39%
2019 -13.325.000 27.82%
2020 4.565.000 391.89%
2021 85.688.000 94.67%
2022 42.472.000 -101.75%
2023 -14.956.000 383.98%
2024 16.848.000 188.77%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Tower Limited Operating Cashflow
Year Operating Cashflow Growth
1998 0
1999 394.707.000 100%
2000 270.361.000 -45.99%
2001 -58.502.000 562.14%
2002 -95.154.000 38.52%
2003 -125.287.000 24.05%
2004 0 0%
2005 0 0%
2006 -34.866.000 100%
2007 -35.333.000 1.32%
2008 77.430.000 145.63%
2009 25.375.000 -205.14%
2010 16.363.000 -55.08%
2011 -4.646.000 452.2%
2012 70.518.000 106.59%
2013 -10.057.000 801.18%
2014 32.375.999 131.06%
2015 17.937.000 -80.5%
2016 -10.310.000 273.98%
2017 -33.549.999 69.27%
2018 10.184.000 429.44%
2019 24.302.000 58.09%
2020 15.048.000 -61.5%
2021 97.717.000 84.6%
2022 59.784.000 -63.45%
2023 8.661.000 -590.27%
2024 17.672.000 50.99%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Tower Limited Capital Expenditure
Year Capital Expenditure Growth
1998 0
1999 32.861.000 100%
2000 32.283.000 -1.79%
2001 38.909.000 17.03%
2002 42.724.000 8.93%
2003 15.747.000 -171.32%
2004 5.173.000 -204.41%
2005 3.771.000 -37.18%
2006 667.000 -465.37%
2007 3.711.000 82.03%
2008 7.506.000 50.56%
2009 6.137.000 -22.31%
2010 21.812.000 71.86%
2011 23.647.000 7.76%
2012 12.915.000 -83.1%
2013 11.628.000 -11.07%
2014 9.983.000 -16.48%
2015 21.606.000 53.8%
2016 9.175.000 -135.49%
2017 6.883.000 -33.3%
2018 19.802.000 65.24%
2019 37.627.000 47.37%
2020 10.483.000 -258.93%
2021 12.029.000 12.85%
2022 17.312.000 30.52%
2023 23.617.000 26.7%
2024 824.000 -2766.14%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Tower Limited Equity
Year Equity Growth
1997 0
1998 758.235.000 100%
1999 777.806.000 2.52%
2000 893.811.000 12.98%
2001 903.477.000 1.07%
2002 766.593.000 -17.86%
2003 759.668.000 -0.91%
2004 796.399.000 4.61%
2005 780.740.000 -2.01%
2006 629.373.000 -24.05%
2007 261.897.000 -140.31%
2008 294.220.000 10.99%
2009 404.448.000 27.25%
2010 441.332.000 8.36%
2011 455.517.000 3.11%
2012 498.789.000 8.68%
2013 381.077.000 -30.89%
2014 326.009.000 -16.89%
2015 280.909.000 -16.06%
2016 223.952.000 -25.43%
2017 215.744.000 -3.8%
2018 274.779.000 21.48%
2019 292.658.000 6.11%
2020 347.163.000 15.7%
2021 349.720.000 0.73%
2022 317.528.000 -10.14%
2023 300.265.000 -5.75%
2024 333.749.000 10.03%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Tower Limited Assets
Year Assets Growth
1997 0
1998 4.440.062.000 100%
1999 5.899.088.000 24.73%
2000 6.606.813.000 10.71%
2001 5.846.771.000 -13%
2002 5.253.511.000 -11.29%
2003 5.004.382.000 -4.98%
2004 4.948.228.000 -1.13%
2005 5.164.619.000 4.19%
2006 6.062.138.000 14.81%
2007 1.546.193.000 -292.07%
2008 1.519.018.000 -1.79%
2009 1.596.460.000 4.85%
2010 1.617.644.000 1.31%
2011 1.976.549.000 18.16%
2012 1.965.594.000 -0.56%
2013 1.696.570.000 -15.86%
2014 790.596.000 -114.59%
2015 758.922.000 -4.17%
2016 640.281.000 -18.53%
2017 639.466.000 -0.13%
2018 686.233.000 6.82%
2019 703.433.000 2.45%
2020 692.282.000 -1.61%
2021 802.313.000 13.71%
2022 804.213.000 0.24%
2023 946.177.000 15%
2024 614.990.000 -53.85%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Tower Limited Liabilities
Year Liabilities Growth
1997 0
1998 250.247.000 100%
1999 5.121.282.000 95.11%
2000 5.713.002.000 10.36%
2001 4.943.294.000 -15.57%
2002 4.486.918.000 -10.17%
2003 4.244.714.000 -5.71%
2004 4.151.829.000 -2.24%
2005 4.383.879.000 5.29%
2006 5.432.765.000 19.31%
2007 1.284.296.000 -323.02%
2008 1.224.798.000 -4.86%
2009 1.192.012.000 -2.75%
2010 1.176.312.000 -1.33%
2011 1.521.032.000 22.66%
2012 1.466.805.000 -3.7%
2013 1.315.493.000 -11.5%
2014 464.587.000 -183.15%
2015 478.013.000 2.81%
2016 416.329.000 -14.82%
2017 423.722.000 1.74%
2018 411.454.000 -2.98%
2019 410.775.000 -0.17%
2020 345.119.000 -19.02%
2021 452.593.000 23.75%
2022 486.685.000 7%
2023 645.912.000 24.65%
2024 191.017.000 -238.14%

Tower Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1.56
Net Income per Share
0.11
Price to Earning Ratio
12.47x
Price To Sales Ratio
0.87x
POCF Ratio
23.26
PFCF Ratio
49.01
Price to Book Ratio
1.54
EV to Sales
0.81
EV Over EBITDA
3187.7
EV to Operating CashFlow
21.62
EV to FreeCashFlow
45.57
Earnings Yield
0.08
FreeCashFlow Yield
0.02
Market Cap
0,51 Bil.
Enterprise Value
0,48 Bil.
Graham Number
1.47
Graham NetNet
-0.36

Income Statement Metrics

Net Income per Share
0.11
Income Quality
0.46
ROE
0.13
Return On Assets
0.07
Return On Capital Employed
0.13
Net Income per EBT
0.58
EBT Per Ebit
1.13
Ebit per Revenue
0.11
Effective Tax Rate
0.34

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.24
Operating Profit Margin
0.11
Pretax Profit Margin
0.12
Net Profit Margin
0.07

Dividends

Dividend Yield
0.02
Dividend Yield %
2.21
Payout Ratio
0
Dividend Per Share
0.03

Operating Metrics

Operating Cashflow per Share
0.06
Free CashFlow per Share
0.03
Capex to Operating CashFlow
0.53
Capex to Revenue
0.02
Capex to Depreciation
0.65
Return on Invested Capital
0.13
Return on Tangible Assets
0.08
Days Sales Outstanding
0
Days Payables Outstanding
-52.03
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
-7.02
Inventory Turnover
0
Capex per Share
0.03

Balance Sheet

Cash per Share
0,14
Book Value per Share
1,12
Tangible Book Value per Share
0.86
Shareholders Equity per Share
0.88
Interest Debt per Share
0
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
-240.35
Current Ratio
0.61
Tangible Asset Value
0,33 Bil.
Net Current Asset Value
-0,12 Bil.
Invested Capital
82495999
Working Capital
-0,04 Bil.
Intangibles to Total Assets
0.16
Average Receivables
0,00 Bil.
Average Payables
0,01 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Tower Limited Dividends
Year Dividends Growth
2000 0
2001 0 0%
2002 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2021 0 0%
2022 1 0%
2023 0 0%
2024 0 0%

Tower Limited Profile

About Tower Limited

Tower Limited provides general insurance products in New Zealand and the Pacific Islands. Its insurance products include car, contents, renters', house, landlord, business, travel, boat, motorbike, electric vehicle, lifestyle block and farm, motorhome, and caravan or trailer insurance. The company was founded in 1869 and is headquartered in Auckland, New Zealand.

CEO
Mr. Blair McLaren Turnbull
Employee
897
Address
136 Fanshawe Street
Auckland, 1010

Tower Limited Executives & BODs

Tower Limited Executives & BODs
# Name Age
1 Mr. Ronald Mudaliar
Chief Underwriting Officer
70
2 Ms. Emily Davies
Head of Corporate Affairs & Sustainability
70
3 Mr. Blair McLaren Turnbull
Chief Executive Officer
70
4 Mr. Steve Wilson
Chief Claims Officer
70
5 Ms. Paula Ter Brake
MD of Pacific
70
6 Ms. Michelle Finch
Chief Revenue, Marketing & Brand Officer
70
7 Ms. Anna Kooperberg
Chief Customer Experience Officer
70
8 Tania Pearson
General Counsel & Company Secretary
70
9 Mr. Andrew John Hambleton
Chief Administrative Officer
70
10 Mr. Paul Johnston
Chief Financial Officer
70

Tower Limited Competitors