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Tower Ltd (ASX:TWR)
1.18 AUD
-0.035 2.881%Sponsored Reports
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| Previous Close (in AUD) | 1.215 |
|---|---|
| Change | -0.035 2.881% |
| 52 W H/L (in AUD) | 1.320/0.492 |
| EBITDA (in AUD) | 59.776M |
| PE Ratio | 7.00 |
| Volume | 412 |
| Diluted Eps TTM | 0.17 |
| Total Assets (in AUD) | 946.177M |
|---|---|
| Total Liabilities (in AUD) | 645.912M |
| Revenue TTM (in AUD) | 456.299M |
| Cash (in AUD) | 64.009M |
| Market Cap (in AUD) | 453.946 M |
| Revenue Per Share TTM | 1.202 |
| Gross Profit TTM (in AUD) | 26.16M |
Summary
Income Statement
Balance Sheet
Change in Cash
Operating Cash
Dividend Paid
Tower Ltd
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.
Employees: 897
Key Executives
| Sr. No. | Name | Title | Year Born |
|---|---|---|---|
| 1. | Mr. Blair McLaren Turnbull | Chief Exec. Officer | NA |
| 2. | Mr. Paul Johnston | Chief Financial Officer | NA |
| 3. | Tania Pearson | Gen. Counsel & Company Sec. | NA |
| 4. | Ms. Emily Davies | Head of Corp. Affairs & Sustainability | NA |
| 5. | Mr. Andrew John Hambleton | Chief People & Transformation Officer and Acting MD of Pacific | NA |
| 6. | Mr. Ronald Mudaliar | Chief Underwriting Officer | NA |
| 7. | Ms. Paula Ter Brake | MD of Pacific | NA |
| 8. | Mr. Jonathan Beale | Managing Director of Partnerships | NA |
| 9. | Mr. Steve Wilson | Chief Claims Officer | NA |
| 10. | Mr. James Brownell | Acting Chief Risk Officer | NA |
Peers
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) | Enterprise Value to EBITDA(x) |
|
QBE
Qbe Insurance Group Ltd |
+0.180 0.931% | 19.31 | 10.590 | 12.739 | 1.287 | 1.814 | 1.102 | 0.000 |
|
SUN
Suncorp Group Ltd |
+0.070 0.363% | 19.35 | 27.800 | 21.552 | 1.856 | 1.739 | 1.941 | 0.000 |
|
IAG
Insurance Australia Group Ltd |
-0.040 0.468% | 8.53 | 23.220 | 18.450 | 1.236 | 2.969 | 1.611 | 0.000 |
|
SUNPH
Suncorp Group Limited |
+0.170 0.166% | 102.39 | 145.650 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 |
Income Statement
(Currency in AUD)| Breakdown | 30-09-2023 | 30-09-2022 | 30-09-2021 | 30-09-2020 | 30-09-2019 |
|---|---|---|---|---|---|
| Income Before Tax | 7.437M | 25.2M | 28.45M | 20.251M | 25.995M |
| Minority Interest | - | -0.052M | -0.632M | 2.16M | 1.801M |
| Net Income | -1.228M | 18.803M | 18.683M | 11.892M | 16.565M |
| Selling General Administrative | 79.57M | 80.043M | 37.72M | 44.136M | 57.799M |
| Gross Profit | 412.162M | 360.012M | 341.343M | 327.887M | 303.357M |
| Reconciled Depreciation | 23.163M | 19.715M | 17.268M | 15.44M | 8.17M |
| Ebit | 2.947M | 27.226M | 27.111M | 19.514M | 25.755M |
| Ebitda | 26.11M | 46.941M | 44.379M | 34.954M | 33.925M |
| Depreciation And Amortization | 23.163M | 19.715M | 17.268M | 15.44M | 8.17M |
| Operating Income | 2.947M | 27.226M | 27.111M | 19.514M | 25.755M |
| Other Operating Expenses | 404.725M | 334.812M | 312.893M | 307.636M | 277.362M |
| Interest Expense | 0.92M | 0.897M | 0.378M | 1.125M | 0.312M |
| Tax Provision | 5.085M | 7.526M | 9.135M | 7.91M | 9.19M |
| Interest Income | 12.871M | 6.835M | 5.148M | 7.328M | 8.141M |
| Net Interest Income | -0.92M | -0.897M | -0.378M | -1.125M | -0.312M |
| Income Tax Expense | 5.085M | 7.526M | 9.135M | 7.91M | 9.19M |
| Total Revenue | 412.162M | 360.012M | 341.343M | 327.887M | 303.357M |
| Total Operating Expenses | -409.215M | -332.786M | -314.232M | -308.373M | -277.602M |
| Cost Of Revenue | - | - | - | - | 175.714M |
| Total Other Income Expense Net | 0.91M | -2.026M | 1.339M | 0.737M | 0.24M |
| Net Income From Continuing Ops | 2.352M | 17.674M | 19.315M | 12.341M | 16.805M |
| Net Income Applicable To Common Shares | - | 18.803M | 18.683M | 11.892M | 16.565M |
Balance Sheet
(Currency in AUD)| Breakdown | 30-09-2023 | 30-09-2022 | 30-09-2021 | 30-09-2020 | 30-09-2019 |
|---|---|---|---|---|---|
| Total Assets | 946.177M | 804.213M | 802.313M | 692.282M | 703.433M |
| Intangible Assets | 80.78M | 76.909M | 70.848M | 67.21M | 56.467M |
| Other Current Assets | - | 40.445M | 29.414M | 258.078M | 295.583M |
| Total Liab | 645.912M | 486.685M | 452.593M | 345.119M | 410.775M |
| Total Stockholder Equity | 300.265M | 317.528M | 347.044M | 345.003M | 290.857M |
| Other Current Liab | -16.579M | -20.909M | -16.462M | -16.248M | -90.838M |
| Common Stock | 460.315M | 460.191M | 492.424M | 492.424M | 447.543M |
| Capital Stock | 460.315M | 460.191M | 492.424M | 492.424M | 447.543M |
| Retained Earnings | -55.949M | -41.212M | -39.995M | -42.99M | -41.504M |
| Good Will | 17.744M | 17.744M | 17.744M | 17.744M | 17.744M |
| Other Assets | 340.334M | 354.226M | 346.788M | 258.078M | 295.583M |
| Cash | 64.009M | 84.502M | 116.129M | 80.108M | 67.018M |
| Cash And Equivalents | - | - | - | - | - |
| Total Current Liabilities | 16.579M | 20.909M | 16.462M | 16.248M | 90.838M |
| Current Deferred Revenue | - | - | - | - | - |
| Net Debt | -31.394M | -49.448M | -76.708M | -71.413M | -52.087M |
| Short Term Debt | 5.477M | 6.237M | 6.082M | 2.721M | 14.931M |
| Short Long Term Debt | - | - | - | - | 14.931M |
| Short Long Term Debt Total | 32.615M | 35.054M | 39.421M | 8.695M | 14.931M |
| Other Stockholder Equity | - | -101.451M | -105.385M | -104.431M | 9.808M |
| Property Plant Equipment | - | 28.743M | 34.951M | 17.252M | 9.104M |
| Total Current Assets | 477.835M | 326.591M | 331.982M | 331.426M | 323.924M |
| Long Term Investments | - | - | - | 0.572M | 0.611M |
| Short Term Investments | - | - | - | 0.572M | 0.611M |
| Net Receivables | 413.826M | 242.089M | 215.853M | 250.746M | 256.295M |
| Long Term Debt | - | - | - | - | - |
| Inventory | - | - | - | - | - |
| Accounts Payable | 11.102M | 14.672M | 10.38M | 13.527M | 75.907M |
| Accumulated Other Comprehensive Income | -104.101M | -101.451M | -105.385M | -104.431M | -115.182M |
| Non Currrent Assets Other | -128.008M | -123.396M | -123.543M | -102.778M | -83.926M |
| Non Current Assets Total | 128.008M | 123.396M | 123.543M | 102.778M | 83.926M |
| Capital Lease Obligations | 32.615M | 35.054M | 39.421M | 8.695M | - |
| Long Term Debt Total | - | - | 39.421M | 8.695M | - |
Cash Flow
(Currency in AUD)| Breakdown | 30-09-2023 | 30-09-2022 | 30-09-2021 | 30-09-2020 | 30-09-2019 |
|---|---|---|---|---|---|
| Investments | -12.278M | -0.166M | -32.238M | -5.25M | -41.623M |
| Total Cashflows From Investing Activities | - | -23.67M | -58.701M | -25.206M | -79.25M |
| Total Cash From Financing Activities | -23.179M | -63.71M | -2.822M | 25.696M | 14.648M |
| Net Income | -1.228M | 18.803M | 18.683M | 10.761M | 16.565M |
| Change In Cash | -28.289M | -23.831M | 36.021M | 18.09M | -39.983M |
| Begin Period Cash Flow | 92.298M | 116.129M | 80.108M | 62.018M | 102.001M |
| End Period Cash Flow | 64.009M | 92.298M | 116.129M | 80.108M | 62.018M |
| Total Cash From Operating Activities | 8.661M | 38.518M | 98.641M | 16.163M | 24.612M |
| Depreciation | 12.02M | 19.715M | 17.268M | 6.575M | 1.644M |
| Other Cashflows From Investing Activities | - | -0.103M | -32.238M | -5.25M | -36.665M |
| Dividends Paid | 15.216M | 20.028M | 10.541M | 41.811M | 10.541M |
| Change To Inventory | - | - | - | - | - |
| Sale Purchase Of Stock | - | -30.634M | - | -2.419M | - |
| Other Cashflows From Financing Activities | -7.963M | -13.048M | 7.719M | -16.115M | -0.352M |
| Capital Expenditures | 23.617M | 17.312M | 12.029M | 3.122M | 1.886M |
| Change In Working Capital | -184.698M | -30.574M | 51.369M | -2.659M | -2.012M |
| Other Non Cash Items | 182.567M | -38.518M | -35.951M | 1.486M | 8.415M |
| Free Cash Flow | -14.956M | 21.206M | 86.612M | 13.041M | 22.726M |
Funds
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | DFA T.A. World Ex U.S. Core Equity Portfolio | 3 years ago | 151190 |
| 2. | John Hancock Fds II-International Small Company Fund | 3 years ago | 151324 |
| 3. | DFA International Sustainability Core 1 Portfolio | 3 years ago | 110380 |
| 4. | DFA Investment Dimensions-DFA International Social Core Equity Port | 3 years ago | 132447 |
| 5. | DFA International Vector Equity Port | 3 years ago | 124179 |
| 6. | Arbitrage Fund | 4 years ago | 9485696 |
| 7. | DFA International Small Cap Value Portfolio | 3 years ago | 345873 |
| 8. | Morningstar Fds Tr-Morningstar Alternataives Fd | 4 years ago | 192415 |
| 9. | DFA Asia Pacific Small Company Series | 3 years ago | 2581956 |
| 10. | DFA International Core Equity Portfolio | 3 years ago | 1358907 |
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