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TowerASX:TWR +0.32%82 3-Year EBITDA Growth Rate is 46.40% as of Mar. 2026. GuruFocus rates ASX:TWR with a GF Score™ of 82/100 and a GF Value™ of A$1.40 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 293 Insurance companies, Tower ranks better than 83.28% on this metric.
During the past 12 months, Tower's average EBITDA Per Share Growth Rate was -34.40% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 46.40% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 34.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Tower was 79.30% per year. The lowest was -53.30% per year. And the median was -1.70% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Tower 3-Year EBITDA Growth Rate Related Terms
ASX:TWR vs CB, PGR, TRV: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Property & Casualty subindustry, Tower's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Tower 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Tower's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Tower's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 46.40% mean?
Tower (ASX:TWR) has a 3-Year EBITDA Growth Rate of 46.40% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Tower and its competitors. According to the industry distribution chart, Tower ranks #49 out of 293 companies in the Insurance industry, placing it in the top 16.7%.
Is Tower's 3-Year EBITDA Growth Rate too high?
Tower's current 3-Year EBITDA Growth Rate is 46.40%. The Insurance industry median 3-Year EBITDA Growth Rate is 16.80. Tower's value of 46.40% is 176.2% above this industry median. Based on the distribution chart, Tower ranks #49 out of 293 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Tower has a GF Score™ of 82/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tower's 3-Year EBITDA Growth Rate compare to CB and PGR?
According to the Insurance industry distribution chart, Tower ranks #49 out of 293 companies for 3-Year EBITDA Growth Rate. This places Tower in the top 17% of its industry — outperforming the majority of peers. The industry median 3-Year EBITDA Growth Rate is 16.80. Tower's value of 46.40% is 176.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 16.80, based on 293 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tower's current 3-Year EBITDA Growth Rate of 46.40% is 176.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Tower and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 16.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tower's current 3-Year EBITDA Growth Rate is 46.40%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tower stock overvalued right now?
Based on GuruFocus' analysis, Tower (ASX:TWR) is currently considered Modestly Overvalued. The stock's GF Value™ is A$1.40, compared to a current price of A$1.55 — trading 10.7% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 46.40% and 176.2% above the Insurance industry median of 16.80. Tower's overall GF Score™ is 82/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Tower (ASX:TWR), the current 3-Year EBITDA Growth Rate is 46.40% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Tower (ASX:TWR) Overvalued in 2026?
Based on GuruFocus' analysis, Tower stock appears to be overvalued.
The current stock price of A$1.55 is trading 10.7% above its estimated GF Value™ of A$1.40.
GuruFocus considers Tower to be Modestly Overvalued.
Key valuation signals for ASX:TWR:
3-Year EBITDA Growth Rate: 46.40%
GF Value™: A$1.40 vs. price of A$1.55 (10.7% above fair value)
Industry Position: 176.2% above the Insurance median (#49 of 293)
No single metric tells the full story. See the ASX:TWR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tower Ltd is a general insurance company. The company provides insurance services namely car, house, contents, travel, business, boat insurance, and among others. The company has two geographical segments, New Zealand General Insurance, and Pacific Islands General Insurance. The company derives the majority of its revenue from the New Zealand segment.
82GF Score
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