FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Tower's Free Cash Flow for the
six
months ended in Mar. 2026 was A$17.9 Mil. Tower's Revenue for the
six
months ended in Mar. 2026 was A$221.4 Mil. Therefore, Tower's FCF Margin % for the quarter that ended in Mar. 2026 was 8.09%.
The historical rank and industry rank for Tower's FCF Margin % or its related term are showing as below:
ASX:TWR'
s FCF Margin % Range Over the Past 10 Years
Min: -14.82 Med: -0.38 Max: 25.43
Current: 17.99
During the past 13 years, the highest FCF Margin % of Tower was 25.43%. The lowest was -14.82%. And the median was -0.38%.
ASX:TWR's FCF Margin % is ranked better than 69.66% of 501
companies
in the Insurance industry
Industry Median: 9.6
vs ASX:TWR: 17.99
Tower FCF Margin % Related Terms
Tower FCF Margin % Historical Data
* Premium members only.
The historical data trend for Tower's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Tower's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Tower's FCF Margin % falls into.
* 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 FCF Margin % of 8.09% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Tower and its competitors. According to the industry distribution chart, Tower ranks #152 out of 501 companies in the Insurance industry, placing it in the top 30.3%.
Is Tower's FCF Margin % too high?
Tower's current FCF Margin % is 8.09%. The Insurance industry median FCF Margin % is 9.60. Tower's value of 8.09% is 15.7% below this industry median. Based on the distribution chart, Tower ranks #152 out of 501 companies in the Insurance industry, which is above the industry midpoint. Overall, Tower has a GF Score™ of 85/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tower's FCF Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Tower ranks #152 out of 501 companies for FCF Margin %. This puts Tower in the upper half of its industry. The industry median FCF Margin % is 9.60. Tower's value of 8.09% is 15.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tower's current FCF Margin % of 8.09% is 15.7% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Tower and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tower's current FCF Margin % is 8.09%. 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$1.37, compared to a current price of A$1.54 — trading 12.4% above its estimated fair value. The current FCF Margin % is 8.09% and 15.7% below the Insurance industry median of 9.60. Tower's overall GF Score™ is 85/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Tower (ASX:TWR), the current FCF Margin % is 8.09% 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$1.54 is trading 12.4% above its estimated GF Value™ of A$1.37.
GuruFocus considers Tower to be Modestly Overvalued.
Key valuation signals for ASX:TWR:
FCF Margin %: 8.09%
GF Value™: A$1.37 vs. price of A$1.54 (12.4% above fair value)
Industry Position: 15.7% below the Insurance median (#152 of 501)
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.
85GF Score
Get the complete analysis for ASX:TWR
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:TWR has been successfully added to your 
