Financials / Insurance - Property & CasualtyUpdated 2026-05-10 22:07 UTC

NZE/TWR stock hub

NZE/TWR has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

728M

New Zealand Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

NZE/TWR

In the news

Latest news · NZE/TWR

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E11.5

P25 n/aP50 n/aP75 n/a

Trailing P/E9.2

P25 n/aP50 n/aP75 n/a

ROE23.5

P25 n/aP50 n/aP75 n/a

ROIC22.5

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All NZE/TWR market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

225

Groups with data

Currency

NZD

Showing 225 of 225 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	New Zealand
Country code	NZ
Employees	966
Employees Change	51%
Employees Change Percent	5.57
Enterprise value	NZD 690M
Exchange	New Zealand Stock Exchange
Financial currency	NZD
First seen	2026-05-10
Industry	Insurance - Property & Casualty
Isin	NZTWRE0011S2
Last refreshed	2026-05-10
Market cap	NZD 728M
Price	NZD 2.12
Price currency	NZD
Rev Per Employee	638,050.72x
Sector	Financials
Sic	6300
Symbol	nze/TWR
Website	https://www.tower.co.nz

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	11.49%
EV Earnings	8.25x
EV/EBIT	5.83x
EV/EBITDA	5.37x
EV/FCF	4.84x
EV/Sales	1.12x
FCF yield	19.59%
Forward P/E	11.51x
P/B ratio	2.08x
P/E ratio	9.22x
P/S ratio	1.18x
PE Ratio10 Y	19.45x
PE Ratio3 Y	7.43x
PE Ratio5 Y	14.97x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	19.21%
EBITDA Margin	20.2%
FCF margin	23.14%
Gross margin	20.64%
Gross Profit	NZD 127.2M
Net Income	NZD 83.7M
Net Income Growth	108.84%
Net Income Growth Years	2%
Net Income Growth5 Y	34.79%
Pretax Margin	19.1%
Profit Margin	13.58%
Profit Per Employee	NZD 86,618
Profitable Years	2
ROA	11.86
Roa5y	5.37
ROCE	30.87
ROE	23.54
Roe5y	11.3
ROIC	22.53
Roic5y	10.52

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	8.96%
Cagr15y	8.04%
Cagr1y	84.12%
Cagr20y	8.03%
Cagr3y	62.88%
Cagr5y	28.88%
Div CAGR10	4.95%
Div CAGR3	105.26%
Div CAGR5	59.66%
EPS Growth	96.06
EPS Growth Years	2
EPS Growth5 Y	34.37
FCF Growth	596.72%
FCF Growth3 Y	192.33%
FCF Growth5 Y	19.84%
OCF Growth	488.08%
OCF Growth10 Y	21.9%
OCF Growth3 Y	159.1%
OCF Growth5 Y	19.18%
Revenue Growth	15.38x
Revenue Growth Quarters	17x
Revenue Growth Years	12x
Revenue Growth3 Y	7.94x
Revenue Growth5 Y	11.68x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	NZD 0.99
Assets	NZD 612.9M
Cash	NZD 63.5M
Debt	NZD 25.5M
Debt EBITDA	NZD 0.2
Debt Equity	NZD 0.07
Debt FCF	NZD 0.18
Equity	NZD 350.7M
Interest Coverage	159.2
Liabilities	NZD 262.3M
Net Cash	NZD 38M
Net Cash By Market Cap	NZD 5.22
Net Cash Growth	6.04%
Net Debt EBITDA	NZD -0.31
Net Debt Equity	NZD -0.11
Net Debt FCF	NZD -0.27
Tangible Book Value	NZD 257.2M
Tangible Book Value Per Share	NZD 0.75
WACC	4.57

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	0.46
Net Working Capital	NZD -181.9M
Quick ratio	0.3
Working Capital	NZD -123.6M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-6.51%
Dividend Growth	51.07%
Dividend Growth Years	1%
Dividend per share	NZD 0.25
Dividend Years	6
Dividend Yield	11.56%
Ex Div Date	2026-01-14
Last Dividend	NZD 0.19
Payout Frequency	Semi-Annual
Payout Ratio	62.33%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	135.78%
1Y total return	84.04%
200-day SMA	1.86
3Y total return	332.26%
50-day SMA	1.92
50-day SMA vs 200-day SMA	50over200
5Y total return	255.52%
All Time High	3.98
All Time High Change	-46.71%
All Time High Date	2006-07-07
All Time Low	0.2
All Time Low Change	972.87%
All Time Low Date	2002-11-25
ATR	0.04
Beta	0.07
Beta1y	-0.01
Beta2y	0.13
Ch YTD	4.95
High	2.13
High52	2.14
High52 Date	2026-01-13
High52ch	-0.93%
Low	2.1
Low52	1.35
Low52 Date	2025-05-08
Low52ch	57.62%
Ma50ch	10.59%
Price vs 200-day SMA	14.16%
RSI	74.22
RSI Monthly	74.47
RSI Weekly	71.34
Sharpe ratio	3.26x
Sortino ratio	6.26
Total Return	5.05%
Tr YTD	15.53
Tr15y	219.12%
Tr1m	9.28%
Tr1w	4.95%
Tr3m	9.28%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	NZD 118.4M
Operating margin	19.21

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	329,701,467%
Net Borrowing	-5,138,000
Shares Insiders	0.53%
Shares Institutions	40.54%
Shares Out	343,411,351
Shares Qo Q	11.2%
Shares Yo Y	6.51%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	NZD 140.6M
Average Volume	333,970.05x
Bv Per Share	1.02
CAPEX	NZD -1.2M
Ch10y	4.54
Ch15y	3.11
Ch1m	9.28
Ch1w	4.95
Ch1y	57.04
Ch20y	-32.33
Ch3m	9.28
Ch3y	210.3
Ch5y	116.8
Ch6m	13.07
Change	1.44%
Change From Open	0
Close	2.09
Days Gap	1.44
Dollar Volume	384,190.6
Earnings Date	2026-05-21
EBIT	NZD 118.4M
EBITDA	NZD 124.5M
EPS	NZD 0.23
F Score	5
FCF	NZD 142.6M
FCF EV Yield	20.67x
FCF Per Share	NZD 0.42
Financing CF	-102,841,000
Fiscal Year End	September
Founded	1,869
Goodwill	17,744,000
Graham Number	2.366
Graham Upside	11.6
Income Tax	NZD 34.1M
Investing CF	-46,954,000
Is Primary Listing	1
Last Earnings Date	2026-02-18
Last Report Date	2025-09-30
Last Split Date	2025-03-18
Last Split Type	Reverse
Lynch Fair Value	NZD 6.09
Lynch Upside	187.3
Ma150	1.91
Ma150ch	11.17%
Ma20	2.01
Ma20ch	5.74%
Net CF	-4,343,000
Next Earnings Date	2026-05-21
Open	2.12
P FCF Ratio	5.11
P OCF Ratio	5.06
Payment Date	2026-01-29
Position In Range	66.67
Ppne	23,123,000
Price Date	2026-05-08
Price EBITDA	NZD 5.85
Ptbv Ratio	2.83
Relative Volume	0.55x
Revenue	616,357,000x
SBC By Revenue	0.32x
Share Based Comp	1,982,000
Tax By Revenue	5.53x
Tax Rate	28.94%
Tr20y	368.87%
Tr6m	24.46%
Volume	181,222

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

NZE/TWR dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+11.6%

$0.24 annual per share

Payout ratio

+62.3%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+59.7%

1 consecutive years of growth

Total shareholder yield

+5.1%

Next ex-dividend date: 2026-01-14

Performance

NZE/TWR stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns NZE/TWR?

Insider, institutional, and short-interest positioning.

Institutional ownership

+40.5%

Share of float held by funds and institutions

Insider ownership

+0.5%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

+6.5%

Negative means the company is buying back shares.

Technical

NZE/TWR momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

74.2

Above 70: short-term overbought

Price vs 200-day MA

+14.2%

50/200-day relationship not available

Beta (5Y)

0.07

Less volatile than the market

Sharpe ratio

3.26

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About NZE/TWR

Hub-level FAQ points readers to the deeper analysis pages.

What is the current nze/TWR stock rating?

nze/TWR is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full nze/TWR analysis?

The full report lives at /stocks/nze/TWR/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for nze/TWR?

The latest report frames nze/TWR around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the nze/TWR page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.