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Company Analysis

White Mountains Insurance Group WTM

A comprehensive view of key metrics, scores, and financial health for White Mountains Insurance Group

Overview of White Mountains Insurance Group, Ltd.

WTM NYQ
Financial Services Insurance - Property & Casualty Mid Cap
White Mountains Insurance Group, Ltd. (WTM), is a Mid Cap company, in the Insurance - Property & Casualty industry, last closed at $2194.70, about 12.0% overvalued vs fair value, +16.2% 1Y return, ranked 591/1004 in sector.
$2194.70
0.58%
As of March 13, 2026
Previous close • Vol 90d: 20.1%
52-Week Range
Market Cap
$5.34B
Enterprise Value
$5.99B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.whitemountains.com
HQ Hamilton
Employees 1,648
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$1071
$1932
$3619
Current: $2194.70 -12% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$15.8M
Interest Expense
$58.8M
Net Interest Income
$-60.8M
3%%
Total Revenue
$2.7B
15%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
5.1%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$10.5M
4.6% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating White Mountains Insurance Group's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
51
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
56
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing WTM's balance between Growth (32.0%), Profitability (33.9%), and Safety (34.1%). Growth 32% Safety 34% Profitability 34%

Click axes to expand details. Marker shows current allocation.

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Growth

56th percentile vs peers
56
Key Signals
Rev Growth YoY 15.0% 75p Revenue CAGR 3Y 32.7% 88p TSR 6.9% 20p EPS Growth YoY -54.8% 4p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (32.7%, 88th percentile)
  • Operating Margin in top 20% of peers (49.1%, 93th percentile)
  • Net Profit Margin in top 20% of peers (40.9%, 97th percentile)
  • Ebit Margin in top 20% of peers (52.0%, 97th percentile)
Risks
  • Eps Growth Yoy in bottom 20% of peers (-54.8%)

Profitability

59th percentile vs peers
60
Key Signals
Strengths
Risks
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Safety

60th percentile vs peers
60
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for White Mountains Insurance Group.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$1932.35
- - -
-12.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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