TowerASX:TWR -0.65%85 OCF Margin % is 12.42% as of Mar. 2026, which is 79% above its 10-year median of 6.95. GuruFocus rates ASX:TWR with a GF Score™ of 85/100 and a GF Value™ of A$1.37 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 501 Insurance companies, Tower ranks better than 74.65% on this metric.
OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Tower's Cash Flow from Operations for the
six
months ended in Mar. 2026 was A$27.5 Mil. Tower's Revenue for the
six
months ended in Mar. 2026 was A$221.4 Mil. Therefore, Tower's OCF Margin % for the quarter that ended in Mar. 2026 was 12.42%.
The historical rank and industry rank for Tower's OCF Margin % or its related term are showing as below:
ASX:TWR'
s OCF Margin % Range Over the Past 10 Years
Min: -12.25 Med: 6.95 Max: 29.43
Current: 22.39
During the past 13 years, the highest OCF Margin % of Tower was 29.43%. The lowest was -12.25%. And the median was 6.95%.
ASX:TWR's OCF Margin % is ranked better than 74.65% of 501
companies
in the Insurance industry
Industry Median: 10.85
vs ASX:TWR: 22.39
Tower OCF Margin % Related Terms
Tower OCF Margin % Historical Data
* Premium members only.
The historical data trend for Tower's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Tower's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Tower's OCF 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 OCF Margin % of 12.42% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Tower and its competitors. This is 79% above median its historical median of 6.95. According to the industry distribution chart, Tower ranks #127 out of 501 companies in the Insurance industry, placing it in the top 25.3%.
Is Tower's OCF Margin % too high?
Tower's current OCF Margin % of 12.42% is 79% above median its 10-year median of 6.95. The Insurance industry median OCF Margin % is 10.85. Tower's value of 12.42% is 14.5% above this industry median. Based on the distribution chart, Tower ranks #127 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 OCF Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Tower ranks #127 out of 501 companies for OCF Margin %. This puts Tower in the upper half of its industry. The industry median OCF Margin % is 10.85. Tower's value of 12.42% is 14.5% above this benchmark. While the company's 10-year median is 6.95 vs. the industry median of 10.85, Tower has consistently been above 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 OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.85, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tower's current OCF Margin % of 12.42% is 14.5% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Tower and its competitors. For the Insurance industry, the median OCF Margin % is 10.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tower's current OCF Margin % is 12.42%, which is 79% above median its own 10-year median of 6.95. 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 OCF Margin % is 12.42%, which is 79% above median its 10-year median of 6.95 and 14.5% above the Insurance industry median of 10.85. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Tower (ASX:TWR), the current OCF Margin % is 12.42% 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:
OCF Margin %: 12.42% (79% above median its 10-year median of 6.95)
GF Value™: A$1.37 vs. price of A$1.54 (12.4% above fair value)
Industry Position: 14.5% above the Insurance median (#127 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
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