{"ticker": {"uuid": "639e57c8-2b5a-4542-9b7c-e4e9c845765e", "symbol": "TWR", "name": "Tower Limited", "exchange": "NZE", "asset_type": "equity"}, "latest_week": "2026-06-12", "summary": "TWR closed the latest completed week at 1.90 NZD. The 4-week return is -10.4% and the 12-week return is 1.9%. Trend Signal is active, Market Dynamics is -0.52.", "description": "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, as well as motorhome, campervan and RV insurance. It also offers multi-policy discount insurance. Tower Limited was founded in 1869 and is headquartered in Auckland, New Zealand.", "setup_signature": "Balanced read", "composite_score": "50", "kpis": [{"label": "Latest Close", "value": "1.90 NZD", "hint": "2026-06-12"}, {"label": "1W Return", "value": "0.3%", "tone": "positive", "hint": "latest completed week"}, {"label": "4W Return", "value": "-10.4%", "tone": "negative", "hint": "short-term follow-through"}, {"label": "12W Return", "value": "1.9%", "tone": "positive", "hint": "quarterly tape"}, {"label": "Trend Breadth", "value": "100.0%", "hint": "52 of 52 weeks active"}, {"label": "Volume Ratio", "value": "0.8x", "hint": "vs 13-week average"}], "classification": {"exchange": "NZE", "country": "NZ", "sector": "Financial Services", "industry": "Insurance - Property & Casualty", "currency": "NZD", "market_cap": "652.5M"}, "price": {"trend_line": "1.88 NZD", "fair_value": "0.77 NZD", "vs_trend": "0.6%", "vs_fair_value": "144.7%", "high_52": "2.11 NZD", "low_52": "1.36 NZD", "drawdown": "-10.4%", "range_position": "70.9%"}, "momentum": {"returns": [{"label": "1W", "value": 0.2509182613792697, "value_label": "0.3%", "tone": "positive", "width": 4}, {"label": "4W", "value": -10.374728227325628, "value_label": "-10.4%", "tone": "negative", "width": 29.642080649501796}, {"label": "12W", "value": 1.8817204301075225, "value_label": "1.9%", "tone": "positive", "width": 5.376344086021493}, {"label": "26W", "value": 4.311448112623335, "value_label": "4.3%", "tone": "positive", "width": 12.318423178923814}, {"label": "52W", "value": 36.99570939559229, "value_label": "37.0%", "tone": "positive", "width": 100}], "trend_streak": 121, "active_weeks": 52, "active_breadth": "100.0%", "peer": {"scope": "NZ Financial Services", "count": 10, "rank": 8, "percentile": 22.22222222222222, "avg_weekly_return": 2.7625339333699235}}, "setup": {"scores": [{"label": "Trend", "value": 100, "value_label": "100", "width": 100, "tone": "positive", "description": "Persistence of active Trend Signal over the last year and current streak."}, {"label": "Momentum", "value": 27.831673464247828, "value_label": "28", "width": 27.831673464247828, "tone": "negative", "description": "Blend of 4-week and 12-week follow-through."}, {"label": "Dynamics", "value": 12.608187449637725, "value_label": "13", "width": 12.608187449637725, "tone": "negative", "description": "Latest Market Dynamics and whether pressure has improved over four weeks."}, {"label": "Relative Strength", "value": 63.05131498769016, "value_label": "63", "width": 63.05131498769016, "tone": "neutral", "description": "Relative leadership and short-term RS change."}, {"label": "Volume", "value": 34.85693501997347, "value_label": "35", "width": 34.85693501997347, "tone": "neutral", "description": "Participation compared with the 13-week volume baseline."}, {"label": "Risk Control", "value": 59.41617633346473, "value_label": "59", "width": 59.41617633346473, "tone": "neutral", "description": "Drawdown and recent weekly volatility pressure."}], "timeline": [{"week": "27 Feb", "return": 0.8152173913043425, "return_label": "0.8%", "tone": "positive", "trend": true, "buy_signal": false, "positive_md": false, "height": 6.79347826086952}, {"week": "6 Mar", "return": -1.078167115902966, "return_label": "-1.1%", "tone": "negative", "trend": true, "buy_signal": false, "positive_md": false, "height": 8.984725965858049}, {"week": "13 Mar", "return": -0.8174386920980874, "return_label": "-0.8%", "tone": "negative", "trend": true, "buy_signal": false, "positive_md": false, "height": 6.811989100817395}, {"week": "20 Mar", "return": 2.1978021978021998, "return_label": "2.2%", "tone": "positive", "trend": true, "buy_signal": false, "positive_md": false, "height": 18.31501831501833}, {"week": "27 Mar", "return": 0.26881720430106953, "return_label": "0.3%", "tone": "positive", "trend": true, "buy_signal": false, "positive_md": false, "height": 4}, {"week": "3 Apr", "return": 1.6085790884718514, "return_label": "1.6%", "tone": "positive", "trend": true, "buy_signal": false, "positive_md": false, "height": 13.404825737265428}, {"week": "10 Apr", "return": -1.7928232189973587, "return_label": "-1.8%", "tone": "negative", "trend": true, "buy_signal": false, "positive_md": false, "height": 14.940193491644656}, {"week": "17 Apr", "return": 2.8795406404854034, "return_label": "2.9%", "tone": "positive", "trend": true, "buy_signal": false, "positive_md": false, "height": 23.99617200404503}, {"week": "24 Apr", "return": 1.272266225846973, "return_label": "1.3%", "tone": "positive", "trend": true, "buy_signal": false, "positive_md": false, "height": 10.602218548724775}, {"week": "1 May", "return": 1.5075498691576064, "return_label": "1.5%", "tone": "positive", "trend": true, "buy_signal": false, "positive_md": false, "height": 12.562915576313385}, {"week": "8 May", "return": 4.95050058301853, "return_label": "5.0%", "tone": "positive", "trend": true, "buy_signal": false, "positive_md": false, "height": 41.25417152515442}, {"week": "15 May", "return": 2.3584930779356164, "return_label": "2.4%", "tone": "positive", "trend": true, "buy_signal": false, "positive_md": true, "height": 19.654108982796803}, {"week": "22 May", "return": -14.055323622904142, "return_label": "-14.1%", "tone": "negative", "trend": true, "buy_signal": false, "positive_md": true, "height": 100}, {"week": "29 May", "return": 1.8767000939368104, "return_label": "1.9%", "tone": "positive", "trend": true, "buy_signal": false, "positive_md": true, "height": 15.63916744947342}, {"week": "5 Jun", "return": 2.1052978422520168, "return_label": "2.1%", "tone": "positive", "trend": true, "buy_signal": false, "positive_md": false, "height": 17.544148685433473}, {"week": "12 Jun", "return": 0.2509182613792697, "return_label": "0.3%", "tone": "positive", "trend": true, "buy_signal": false, "positive_md": false, "height": 4}]}, "groups": {"sector": {"scope": "NZ Financial Services", "count": 10, "avg_weekly_return": 2.7625339333699235, "avg_four_week_return": 3.111109533154565, "avg_twelve_week_return": 1.5879861361747105, "trend_breadth": 40.0, "positive_md_breadth": 40.0, "positive_rs_breadth": 60.0, "week_rank": 8, "four_week_rank": 10, "twelve_week_rank": 5, "top_peers": [{"id": 25658, "symbol": "HGH", "name": "Heartland Group Holdings Limited", "exchange": "NZE", "url": "/terminal/a467fc03-76eb-49bd-b610-5c04b6cd30ba/report/", "weekly_return": 0.40650406504065983, "weekly_return_label": "0.4%", "weekly_return_tone": "positive", "four_week_return": 15.420560747663552, "four_week_return_label": "15.4%", "four_week_return_tone": "positive", "twelve_week_return": 0.0, "twelve_week_return_label": "0.0%", "twelve_week_return_tone": "neutral", "trend_active": false, "positive_md": false, "positive_rs": true}, {"id": 25559, "symbol": "AFI", "name": "Australian Foundation Investment Company Limited", "exchange": "NZE", "url": "/terminal/2724ee71-9131-4175-adbe-ab01439ad81c/report/", "weekly_return": 11.95965417867434, "weekly_return_label": "12.0%", "weekly_return_tone": "positive", "four_week_return": 11.95965417867434, "four_week_return_label": "12.0%", "four_week_return_tone": "positive", "twelve_week_return": 11.95965417867434, "twelve_week_return_label": "12.0%", "twelve_week_return_tone": "positive", "trend_active": true, "positive_md": true, "positive_rs": true}, {"id": 25744, "symbol": "RTO", "name": "RTO Limited", "exchange": "NZE", "url": "/terminal/73034e35-056c-4e93-985a-e36b3a419a0b/report/", "weekly_return": 4.651162790697678, "weekly_return_label": "4.7%", "weekly_return_tone": "positive", "four_week_return": 8.870967741935491, "four_week_return_label": "8.9%", "four_week_return_tone": "positive", "twelve_week_return": -8.783783783783774, "twelve_week_return_label": "-8.8%", "twelve_week_return_tone": "negative", "trend_active": false, "positive_md": false, "positive_rs": false}, {"id": 25643, "symbol": "FSF", "name": "Fonterra Shareholders Fund", "exchange": "NZE", "url": "/terminal/815f8f4a-dcae-4dab-8b64-8927934216c4/report/", "weekly_return": 2.121640735502114, "weekly_return_label": "2.1%", "weekly_return_tone": "positive", "four_week_return": 4.0345821325648314, "four_week_return_label": "4.0%", "four_week_return_tone": "positive", "twelve_week_return": 20.89201563492084, "twelve_week_return_label": "20.9%", "twelve_week_return_tone": "positive", "trend_active": true, "positive_md": true, "positive_rs": true}, {"id": 25719, "symbol": "NZX", "name": "NZX Limited", "exchange": "NZE", "url": "/terminal/612c477f-fd6c-4091-b42f-b7c98d052930/report/", "weekly_return": 4.104477611940293, "weekly_return_label": "4.1%", "weekly_return_tone": "positive", "four_week_return": 3.3333333333333277, "four_week_return_label": "3.3%", "four_week_return_tone": "positive", "twelve_week_return": 5.681818181818178, "twelve_week_return_label": "5.7%", "twelve_week_return_tone": "positive", "trend_active": false, "positive_md": true, "positive_rs": false}]}, "industry": {"scope": "NZ Insurance - Property & Casualty", "count": 1, "avg_weekly_return": 0.2509182613792697, "avg_four_week_return": -10.374728227325628, "avg_twelve_week_return": 1.8817204301075225, "trend_breadth": 100.0, "positive_md_breadth": 0.0, "positive_rs_breadth": 100.0, "week_rank": 1, "four_week_rank": 1, "twelve_week_rank": 1, "top_peers": [{"id": 25798, "symbol": "TWR", "name": "Tower Limited", "exchange": "NZE", "url": "/terminal/639e57c8-2b5a-4542-9b7c-e4e9c845765e/report/", "weekly_return": 0.2509182613792697, "weekly_return_label": "0.3%", "weekly_return_tone": "positive", "four_week_return": -10.374728227325628, "four_week_return_label": "-10.4%", "four_week_return_tone": "negative", "twelve_week_return": 1.8817204301075225, "twelve_week_return_label": "1.9%", "twelve_week_return_tone": "positive", "trend_active": true, "positive_md": false, "positive_rs": true}]}}, "dynamics": {"market_dynamics": "-0.52", "market_dynamics_tone": "negative", "md_4_change": "-351.4%", "relative_strength": "6.34", "rs_4_change": "-74.7%", "expectation": "Positive", "expectation_probability": "60.02%"}, "volume": {"latest": "1.5M", "average_13": "1.8M", "average_52": "2.3M", "ratio_13": "0.8x", "ratio_52": "0.6x"}, "risk": {"volatility_13": "4.4%", "volatility_52": "3.0%", "downside_weeks": 13, "upside_weeks": 37, "downside_breadth": "25.0%", "average_gain": "2.0%", "average_loss": "-3.0%"}, "signals": [{"label": "Trend Signal", "value": "Active", "tone": "positive"}, {"label": "Market Dynamics", "value": "No fresh buy", "tone": "neutral"}, {"label": "Price vs Trend", "value": "0.6%", "tone": "positive"}, {"label": "Volume", "value": "0.8x", "tone": "neutral"}], "opportunities": ["Trend Signal is active with a 121-week active streak.", "Price is above the Trend Line, keeping the weekly tape constructive.", "Price is above Fair Value, showing premium demand versus the model."], "risks": ["Market Dynamics is negative, which weakens the current setup.", "Recent volatility is running well above the one-year baseline.", "Latest weekly return ranks in the weaker part of its sector group."], "watch_points": ["Trend Line remains the key weekly regime level.", "Market Dynamics is the pressure gauge to monitor for confirmation or fade.", "A volume ratio above 1.5x would show stronger participation in the next move."], "recent_rows": [{"week": "2026-06-12", "close": "1.90 NZD", "weekly_return": 0.2509182613792697, "weekly_return_label": "0.3%", "weekly_return_tone": "positive", "trend_line": "1.88 NZD", "fair_value": "0.77 NZD", "market_dynamics": "-0.52", "relative_strength": "6.34", "volume": "1.5M", "trend_signal": "On"}, {"week": "2026-06-05", "close": "1.89 NZD", "weekly_return": 2.1052978422520168, "weekly_return_label": "2.1%", "weekly_return_tone": "positive", "trend_line": "1.88 NZD", "fair_value": "0.76 NZD", "market_dynamics": "-0.13", "relative_strength": "8.43", "volume": "1.2M", "trend_signal": "On"}, {"week": "2026-05-29", "close": "1.85 NZD", "weekly_return": 1.8767000939368104, "weekly_return_label": "1.9%", "weekly_return_tone": "positive", "trend_line": "1.87 NZD", "fair_value": "0.75 NZD", "market_dynamics": "0.27", "relative_strength": "6.11", "volume": "2.1M", "trend_signal": "On"}, {"week": "2026-05-22", "close": "1.82 NZD", "weekly_return": -14.055323622904142, "weekly_return_label": "-14.1%", "weekly_return_tone": "negative", "trend_line": "1.87 NZD", "fair_value": "0.74 NZD", "market_dynamics": "0.36", "relative_strength": "6.69", "volume": "3.5M", "trend_signal": "On"}, {"week": "2026-05-15", "close": "2.11 NZD", "weekly_return": 2.3584930779356164, "weekly_return_label": "2.4%", "weekly_return_tone": "positive", "trend_line": "1.86 NZD", "fair_value": "0.73 NZD", "market_dynamics": "0.21", "relative_strength": "25.04", "volume": "1.8M", "trend_signal": "On"}, {"week": "2026-05-08", "close": "2.07 NZD", "weekly_return": 4.95050058301853, "weekly_return_label": "5.0%", "weekly_return_tone": "positive", "trend_line": "1.85 NZD", "fair_value": "0.72 NZD", "market_dynamics": "-0.32", "relative_strength": "21.35", "volume": "2.4M", "trend_signal": "On"}, {"week": "2026-05-01", "close": "1.97 NZD", "weekly_return": 1.5075498691576064, "weekly_return_label": "1.5%", "weekly_return_tone": "positive", "trend_line": "1.83 NZD", "fair_value": "0.70 NZD", "market_dynamics": "-0.88", "relative_strength": "17.89", "volume": "1.4M", "trend_signal": "On"}, {"week": "2026-04-24", "close": "1.94 NZD", "weekly_return": 1.272266225846973, "weekly_return_label": "1.3%", "weekly_return_tone": "positive", "trend_line": "1.82 NZD", "fair_value": "0.69 NZD", "market_dynamics": "-1.12", "relative_strength": "18.61", "volume": "1.0M", "trend_signal": "On"}, {"week": "2026-04-17", "close": "1.91 NZD", "weekly_return": 2.8795406404854034, "weekly_return_label": "2.9%", "weekly_return_tone": "positive", "trend_line": "1.81 NZD", "fair_value": "0.68 NZD", "market_dynamics": "-1.19", 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