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countryflagAU

Tower Ltd

Financial Services AU TWR

1.49AUD
-(-%)

Last update at 2025-07-02T02:46:00Z

Day Range

1.491.50
LowHigh

52 Week Range

0.711.50
LowHigh

Fundamentals

  • Previous Close 1.49
  • Market Cap506.98M
  • Volume241
  • P/E Ratio6.73
  • Dividend Yield8.59%
  • EBITDA132.59M
  • Revenue TTM607.25M
  • Revenue Per Share TTM1.78
  • Gross Profit TTM 128.43M
  • Diluted EPS TTM0.22

Source: TradingView
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Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Type yearly yearly yearly yearly yearly
Date 2023-09-30 2022-09-30 2021-09-30 2020-09-30 2019-09-30
Income before tax 7.44M 25.20M 28.45M 20.25M 26.00M
Minority interest - -0.05200M -0.63200M 2.16M 1.80M
Net income -1.22800M 18.80M 18.68M 11.89M 16.57M
Selling general administrative 79.57M 80.04M 37.72M 44.14M 57.80M
Selling and marketing expenses 13.13M 11.76M 8.52M 8.18M 8.77M
Gross profit 412.16M 360.01M 341.34M 327.89M 303.36M
Reconciled depreciation 23.16M 19.71M 17.27M 15.44M 8.17M
Ebit 2.95M 27.23M 27.11M 19.51M 25.75M
Ebitda 26.11M 46.94M 44.38M 34.95M 33.92M
Depreciation and amortization 23.16M 19.71M 17.27M 15.44M 8.17M
Non operating income net other - - - - -
Operating income 2.95M 27.23M 27.11M 19.51M 25.75M
Other operating expenses 404.73M 334.81M 312.89M 307.64M 277.36M
Interest expense 0.92M 0.90M 0.38M 1.12M 0.31M
Tax provision 5.08M 7.53M 9.13M 7.91M 9.19M
Interest income 12.87M 6.83M 5.15M 7.33M 8.14M
Net interest income -0.92000M -0.89700M -0.37800M -1.12500M -0.31200M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 5.08M 7.53M 9.13M 7.91M 9.19M
Total revenue 412.16M 360.01M 341.34M 327.89M 303.36M
Total operating expenses -409.21500M -332.78600M -314.23200M -308.37300M -277.60200M
Cost of revenue - - - - 175.71M
Total other income expense net 0.91M -2.02600M 1.34M 0.74M 0.24M
Discontinued operations - 1.18M 1.18M 1.18M 1.18M
Net income from continuing ops 2.35M 17.67M 19.32M 12.34M 16.80M
Net income applicable to common shares - 18.80M 18.68M 11.89M 16.57M
Preferred stock and other adjustments - - - - -
Breakdown 2024-09-30 2023-09-30 2022-09-30 2021-09-30 2020-09-30
Type yearly yearly yearly yearly yearly
Date 2024-09-30 2023-09-30 2022-09-30 2021-09-30 2020-09-30
Total assets 635.15M 946.18M 804.21M 802.31M 692.28M
Intangible assets 78.88M 80.78M 76.91M 70.85M 67.21M
Earning assets - - - - -
Other current assets -95.18900M - 40.45M 29.41M 258.08M
Total liab 274.99M 645.91M 486.69M 452.59M 345.12M
Total stockholder equity 360.16M 300.26M 317.53M 347.04M 345.00M
Deferred long term liab - - - - -
Other current liab -21.65600M -16.57900M -20.90900M -16.46200M -16.24800M
Common stock 460.73M 460.31M 460.19M 492.42M 492.42M
Capital stock - 460.31M 460.19M 492.42M 492.42M
Retained earnings 4.43M -55.94900M -41.21200M -39.99500M -42.99000M
Other liab - - 12.46M 3.25M 3.98M
Good will 17.74M 17.74M 17.74M 17.74M 17.74M
Other assets 635.15M 340.33M 354.23M 346.79M 258.08M
Cash 75.39M 64.01M 84.50M 116.13M 80.11M
Cash and equivalents - - - - -
Total current liabilities - 16.58M 20.91M 16.46M 16.25M
Current deferred revenue - - - - -
Net debt -46.53500M -31.39400M -49.44800M -76.70800M -71.41300M
Short term debt 4.91M 5.48M 6.24M 6.08M 2.72M
Short long term debt - - - - -
Short long term debt total 28.86M 32.62M 35.05M 39.42M 8.70M
Other stockholder equity - - -101.45100M -105.38500M -104.43100M
Property plant equipment - - 28.74M 34.95M 17.25M
Total current assets - 477.83M 326.59M 331.98M 331.43M
Long term investments - - - - 0.57M
Net tangible assets - - 222.88M 258.45M 260.05M
Short term investments - - - - 0.57M
Net receivables 19.80M 413.83M 242.09M 215.85M 250.75M
Long term debt - - - - -
Inventory - - - - -
Accounts payable 16.75M 11.10M 14.67M 10.38M 13.53M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -105.00600M -104.10100M -101.45100M -105.38500M -104.43100M
Additional paid in capital - - - - -
Common stock total equity - - - - 492.42M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -123.34600M -128.00800M -123.39600M -123.54300M -102.77800M
Deferred long term asset charges - - - - -
Non current assets total - 128.01M 123.40M 123.54M 102.78M
Capital lease obligations - 32.62M 35.05M 39.42M 8.70M
Long term debt total - - - 39.42M 8.70M
Breakdown 2024-09-30 2023-09-30 2022-09-30 2021-09-30 2020-09-30
Type yearly yearly yearly yearly yearly
Date 2024-09-30 2023-09-30 2022-09-30 2021-09-30 2020-09-30
Investments -116.56800M -12.27800M -0.16600M -32.23800M -5.25000M
Change to liabilities - - 0.00000M 0.00000M 0.00000M
Total cashflows from investing activities - - -23.67000M -58.70100M -25.20600M
Net borrowings - - -6.04400M 8.10M -18.07000M
Total cash from financing activities -16.47300M -23.17900M -63.71000M -2.82200M 25.70M
Change to operating activities - - 41.45M 8.84M -15.31300M
Net income 74.28M -1.22800M 18.80M 18.68M 10.76M
Change in cash 10.08M -28.28900M -23.83100M 36.02M 18.09M
Begin period cash flow 65.31M 92.30M 116.13M 80.11M 62.02M
End period cash flow 75.39M 64.01M 92.30M 116.13M 80.11M
Total cash from operating activities 145.19M 8.66M 38.52M 98.64M 16.16M
Issuance of capital stock - - - - 47.30M
Depreciation - 12.02M 19.71M 17.27M 6.58M
Other cashflows from investing activities -15.27000M -11.61800M -0.10300M -32.23800M -19.36800M
Dividends paid 11.38M 15.22M 20.03M 10.54M 41.81M
Change to inventory - - - - -
Change to account receivables - -184.69800M -30.49500M 41.61M -2.65900M
Sale purchase of stock - - -30.63400M - -2.41900M
Other cashflows from financing activities -5.08900M -7.96300M -13.04800M 7.72M -16.11500M
Change to netincome - - 11.01M 11.70M 10.93M
Capital expenditures 19.75M 23.62M 17.31M 12.03M 3.12M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital - -184.69800M -30.57400M 51.37M -2.65900M
Stock based compensation 0.42M - - - -
Other non cash items 144.77M 182.57M -38.51800M -35.95100M 1.49M
Free cash flow 125.43M -14.95600M 21.21M 86.61M 13.04M

Peer Comparison

Sector: Financial Services Industry: Insurance - Property & Casualty

Company Change (AUD) Price (AUD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
TWR
Tower Ltd		 - -% 1.49 6.73 9.96 0.83 1.62 0.96
QBE
Qbe Insurance Group Ltd		 -0.41 1.75% 23.03 12.70 19.76 1.55 2.13 1.28
SUN
Suncorp Group Ltd		 -0.18 0.83% 21.54 20.15 18.76 1.66 1.60 2.04
IAG
Insurance Australia Group Ltd		 -0.12 1.34% 8.85 17.40 17.54 1.25 3.02 1.63
SUNPH
Suncorp Group Limited		 -0.167 0.16% 101.11 145.32 - - -

Reports Covered

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Profile

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, lifestyle block, caravan or trailer, motorhome, campervan and RV, and multi-policy discount insurance. Tower Limited was founded in 1869 and is headquartered in Auckland, New Zealand.

Tower Ltd

136 Fanshawe Street, Auckland, New Zealand, 1142

Key Executives

Name Title Year Born
Mr. Blair McLaren Turnbull Chief Exec. Officer NA
Mr. Paul Johnston Chief Financial Officer NA
Tania Pearson Gen. Counsel & Company Sec. NA
Ms. Emily Davies Head of Corp. Affairs & Sustainability NA
Mr. Andrew John Hambleton Chief People & Transformation Officer and Acting MD of Pacific NA
Mr. Ronald Mudaliar Chief Underwriting Officer NA
Ms. Paula Ter Brake MD of Pacific NA
Mr. Jonathan Beale Managing Director of Partnerships NA
Mr. Steve Wilson Chief Claims Officer NA
Mr. James Brownell Acting Chief Risk Officer NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.