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TowerASX:TWR +1.30%83 EV-to-EBITDA is 5.91 as of Jul. 29, 2026, which is 25% above its 10-year median of 4.71. GuruFocus rates ASX:TWR with a GF Score™ of 83/100 and a GF Value™ of A$1.39 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 346 Insurance companies, Tower ranks better than 65.9% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Tower's enterprise value is A$469.5 Mil.
Tower's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was A$79.4 Mil. Therefore, Tower's EV-to-EBITDA for today is 5.91.
The historical rank and industry rank for Tower's EV-to-EBITDA or its related term are showing as below:
ASX:TWR'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -194.81 Med: 4.71 Max: 32.32
Current: 6.15
During the past 13 years, the highest EV-to-EBITDA of Tower was 32.32. The lowest was -194.81. And the median was 4.71.
ASX:TWR's EV-to-EBITDA is ranked better than 65.9% of 346
companies
in the Insurance industry
Industry Median: 8.36
vs ASX:TWR: 6.15
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
As of today (2026-07-29), Tower's stock price is A$1.56.
Tower's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was A$0.144. Therefore, Tower's PE Ratio (TTM) for today is 10.83.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Tower (ASX:TWR) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Tower's share price for today is A$1.56.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Tower's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was A$0.144.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Tower's EV-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Property & Casualty subindustry, Tower's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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 EV-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Tower's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Tower's EV-to-EBITDA falls into.
Tower's current Enterprise Value is A$469.5 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Tower's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was A$79.4 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Tower (ASX:TWR) has a EV-to-EBITDA of 5.91 as of Jul. 29, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Tower. This is 25% above median its historical median of 4.71. According to the industry distribution chart, Tower ranks #118 out of 346 companies in the Insurance industry, placing it in the top 34.1%.
Is Tower's EV-to-EBITDA too high?
Tower's current EV-to-EBITDA of 5.91 is 25% above median its 10-year median of 4.71. The Insurance industry median EV-to-EBITDA is 8.36. Tower's value of 5.91 is 29.3% below this industry median. Based on the distribution chart, Tower ranks #118 out of 346 companies in the Insurance industry, which is above the industry midpoint. Overall, Tower has a GF Score™ of 83/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tower's EV-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, Tower ranks #118 out of 346 companies for EV-to-EBITDA. This puts Tower in the upper half of its industry. The industry median EV-to-EBITDA is 8.36. Tower's value of 5.91 is 29.3% below this benchmark. While the company's 10-year median is 4.71 vs. the industry median of 8.36, Tower has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.36, based on 346 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tower's current EV-to-EBITDA of 5.91 is 29.3% below 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Tower. For the Insurance industry, the median EV-to-EBITDA is 8.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tower's current EV-to-EBITDA is 5.91, which is 25% above median its own 10-year median of 4.71. 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$1.39, compared to a current price of A$1.56 — trading 12.2% above its estimated fair value. The current EV-to-EBITDA is 5.91, which is 25% above median its 10-year median of 4.71 and 29.3% below the Insurance industry median of 8.36. Tower's overall GF Score™ is 83/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Tower (ASX:TWR), the current EV-to-EBITDA is 5.91 as of Jul. 29, 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$1.56 is trading 12.2% above its estimated GF Value™ of A$1.39.
GuruFocus considers Tower to be Modestly Overvalued.
Key valuation signals for ASX:TWR:
EV-to-EBITDA: 5.91 (25% above median its 10-year median of 4.71)
GF Value™: A$1.39 vs. price of A$1.56 (12.2% above fair value)
Industry Position: 29.3% below the Insurance median (#118 of 346)
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.
83GF Score
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EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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