Is a complete WTM research report available?

No complete published report is available for White Mountains Insurance Group, Ltd. (WTM) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

White Mountains Insurance Group, Ltd. (WTM)

NYSE: WTM · USD

$2,216

+4.20 (+0.2%)· Recorded snapshot

Market cap	5.2B
Revenue (ttm)	3B
Net income (ttm)	1.1B
EPS (ttm)	$443
Shares out	2.4M
P/E (trailing)	5.0x
Dividend	$1.00 (0.05%)
Volume	15,561
Beta	0.28

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Zdecydowanie kupuj
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Zdecydowanie kupuj
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Trzymaj

Metric	Value
Amount currency	USD
CIK code	0000776867
Company name	White Mountains Insurance Group, Ltd.
Country	Bermuda
Country code	US
CUSIP number	G9618E107
Earnings date	2026-11-09
Earnings time	bmo
Employees	1,648
Employees change	755
Employees growth	84.55%
Enterprise value	$6.1B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1980
Industry	Insurance - Property & Casualty
Is primary listing	Yes
Is SPAC	No
ISIN number	BMG9618E1075
Last 10-K release date	2026-02-27
Last earnings date	2026-08-06
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$5.2B
Market cap category	Mid-Cap
Next earnings date	2026-11-09
Options	No
Price	$2,216.38
Price currency	USD
Sector	Financials
SIC code	6331
Stock price date	2026-10-28
Symbol	WTM
Website	https://www.whitemountains.com

Metric

Value

Amount currency

USD

CIK code

0000776867

Company name

White Mountains Insurance Group, Ltd.

Country

Bermuda

Country code

CUSIP number

G9618E107

Earnings date

2026-11-09

Earnings time

bmo

Employees

1,648

Employees change

755

Employees growth

84.55%

Enterprise value

$6.1B

Exchange

NYSE

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

1980

Industry

Insurance - Property & Casualty

Is primary listing

Yes

Is SPAC

ISIN number

BMG9618E1075

Last 10-K release date

2026-02-27

Last earnings date

2026-08-06

Last refreshed

2026-10-28

Last stock split type

Never

Market cap

$5.2B

Market cap category

Mid-Cap

Next earnings date

2026-11-09

Options

Price

$2,216.38

Price currency

USD

Sector

Financials

SIC code

6331

Stock price date

2026-10-28

Symbol

WTM

Website

https://www.whitemountains.com

Metric	Value
Average P/E ratio (10Y)	417.79x
Average P/E ratio (3Y)	26.32x
Average P/E ratio (5Y)	20.62x
Earnings yield	20.01%
EV/Earnings	5.52x
EV/EBIT	8.35x
EV/EBITDA	8.1x
EV/FCF	15.61x
EV/Sales	2.03x
FCF / EV yield	6.4%
FCF yield	7.43%
Graham number	4777.91318
Graham upside	115.25%
Industry forward P/E	12.54x
Industry P/E	10.1x
Lynch fair value	$3,205.18
Lynch upside	44.4%
P/(FCF - SBC) ratio	14.17x
P/(OCF - SBC) ratio	14.17x
P/B ratio	0.97x
P/E ratio	5x
P/FCF ratio	13.47x
P/OCF ratio	13.47x
P/S ratio	1.75x
Price / tangible book value	1.24x
Price/EBITDA ratio	6.98x
Sector forward P/E	13.61x
Sector P/E	15.68x

Metric

Value

Average P/E ratio (10Y)

417.79x

Average P/E ratio (3Y)

26.32x

Average P/E ratio (5Y)

20.62x

Earnings yield

20.01%

EV/Earnings

5.52x

EV/EBIT

8.35x

EV/EBITDA

8.1x

EV/FCF

15.61x

EV/Sales

2.03x

FCF / EV yield

6.4%

FCF yield

7.43%

Graham number

4777.91318

Graham upside

115.25%

Industry forward P/E

12.54x

Industry P/E

10.1x

Lynch fair value

$3,205.18

Lynch upside

44.4%

P/(FCF - SBC) ratio

14.17x

P/(OCF - SBC) ratio

14.17x

P/B ratio

0.97x

P/E ratio

P/FCF ratio

13.47x

P/OCF ratio

13.47x

P/S ratio

1.75x

Price / tangible book value

1.24x

Price/EBITDA ratio

6.98x

Sector forward P/E

13.61x

Sector P/E

15.68x

Metric	Value
EBIT margin	24.37%
EBITDA margin	25.13%
Effective tax rate	9.92%
FCF margin	13.03%
Gross margin	53.34%
Operating margin	24.37%
Pretax margin	43.99%
Profit margin	37.66%
Profit per employee	$666,626
Profitable quarters	1
Profitable years	4
Revenue per employee	$1.8M
ROA	3.55%
ROA (5Y)	1.98%
ROCE	6.71%
ROE	20.36%
ROE (5Y)	5.44%
ROIC	9.21%
ROIC (5Y)	5.1%
SBC / revenue	0.65%
Tax / revenue	4.36%

Metric

Value

EBIT margin

24.37%

EBITDA margin

25.13%

Effective tax rate

9.92%

FCF margin

13.03%

Gross margin

53.34%

Operating margin

24.37%

Pretax margin

43.99%

Profit margin

37.66%

Profit per employee

$666,626

Profitable quarters

Profitable years

Revenue per employee

$1.8M

ROA

3.55%

ROA (5Y)

1.98%

ROCE

6.71%

ROE

20.36%

ROE (5Y)

5.44%

ROIC

9.21%

ROIC (5Y)

5.1%

SBC / revenue

0.65%

Tax / revenue

4.36%

Metric	Value
EPS growth	454.77%
EPS growth (Q)	68.82%
EPS growth 10Y	15.94%
EPS growth 3Y	1.34%
EPS growth 5Y	11.91%
EPS growth quarters	1
EPS growth years	1
FCF growth	-17.55%
FCF growth 3Y	-6.95%
Net income growth	446.2%
Net income growth (Q)	62.33%
Net income growth 3Y	-0.45%
Net income growth 5Y	7.23%
Net income growth quarters	1
Net income growth years	1
OCF growth	-17.55%
OCF growth 10Y	33.49%
OCF growth 3Y	-6.95%
Revenue growth	15.52%
Revenue growth (Q)	22.55%
Revenue growth (QoQ)	63.87%
Revenue growth 10Y	11.46%
Revenue growth 3Y	19.83%
Revenue growth 5Y	15.87%
Revenue growth quarters	1
Revenue growth years	4

Metric

Value

EPS growth

454.77%

EPS growth (Q)

68.82%

EPS growth 10Y

15.94%

EPS growth 3Y

1.34%

EPS growth 5Y

11.91%

EPS growth quarters

EPS growth years

FCF growth

-17.55%

FCF growth 3Y

-6.95%

Net income growth

446.2%

Net income growth (Q)

62.33%

Net income growth 3Y

-0.45%

Net income growth 5Y

7.23%

Net income growth quarters

Net income growth years

OCF growth

-17.55%

OCF growth 10Y

33.49%

OCF growth 3Y

-6.95%

Revenue growth

15.52%

Revenue growth (Q)

22.55%

Revenue growth (QoQ)

63.87%

Revenue growth 10Y

11.46%

Revenue growth 3Y

19.83%

Revenue growth 5Y

15.87%

Revenue growth quarters

Revenue growth years

Metric	Value
EBIT	$725.9M
EBITDA	$748.6M
EPS	$443.45
FCF per share	$164.84
Financing cash flow	$-201.4M
Free cash flow	$388.2M
Free cash flow minus SBC	$368.9M
Gross profit	$1.6B
Income taxes	$130M
Investing cash flow	$-396.8M
Net borrowing	$243.6M
Net cash flow	$-210M
Net income	$1.1B
Operating cash flow minus SBC	$368.9M
Operating income	$725.9M
Revenue	$3B
Stock-based compensation	$19.3M

Metric

Value

EBIT

$725.9M

EBITDA

$748.6M

EPS

$443.45

FCF per share

$164.84

Financing cash flow

$-201.4M

Free cash flow

$388.2M

Free cash flow minus SBC

$368.9M

Gross profit

$1.6B

Income taxes

$130M

Investing cash flow

$-396.8M

Net borrowing

$243.6M

Net cash flow

$-210M

Net income

$1.1B

Operating cash flow minus SBC

$368.9M

Operating income

$725.9M

Revenue

$3B

Stock-based compensation

$19.3M

Metric	Value
Book value per share	$2,287.97
Debt / EBITDA	1.25
Debt / equity	0.15
Debt / FCF	2.4
Goodwill	$795.9M
Interest coverage	8.95
Net cash (debt)	$-833.8M
Net cash / market cap	-15.95%
Net debt / EBITDA	1.11
Net debt / equity	0.13
Net debt / FCF	2.15
Piotroski F-Score	3
Shareholders' equity	$6.3B
Tangible book value	$4.2B
Tangible book value per share	$1,785.35
Total assets	$13.8B
Total cash	$1.1B
Total debt	$932.5M
Total liabilities	$7.5B
WACC	6.11%

Metric

Value

Book value per share

$2,287.97

Debt / EBITDA

1.25

Debt / equity

0.15

Debt / FCF

2.4

Goodwill

$795.9M

Interest coverage

8.95

Net cash (debt)

$-833.8M

Net cash / market cap

-15.95%

Net debt / EBITDA

1.11

Net debt / equity

0.13

Net debt / FCF

2.15

Piotroski F-Score

Shareholders' equity

$6.3B

Tangible book value

$4.2B

Tangible book value per share

$1,785.35

Total assets

$13.8B

Total cash

$1.1B

Total debt

$932.5M

Total liabilities

$7.5B

WACC

6.11%

Metric	Value
Asset turnover	0.23
Current ratio	1.42
Net working capital	$1.1B
Quick ratio	0.93
Working capital	$1.2B

Metric

Value

Asset turnover

0.23

Current ratio

1.42

Net working capital

$1.1B

Quick ratio

0.93

Working capital

$1.2B

Metric	Value
Buyback yield / dilution	2.35%
Dividend growth	0%
Dividend growth (10Y)	0%
Dividend growth (3Y)	0%
Dividend growth (5Y)	0%
Dividend growth years	0
Dividend payment date	2026-03-25
Dividend payment years	32
Dividend payout frequency	Annual
Dividend per share	$1.00
Dividend yield	0.05%
Ex-dividend date	2026-03-16
FCF payout ratio	0.61%
Last dividend	$1.00
Payout ratio	0.23%
Shareholder yield	2.4%

Metric

Value

Buyback yield / dilution

2.35%

Dividend growth

Dividend growth (10Y)

Dividend growth (3Y)

Dividend growth (5Y)

Dividend growth years

Dividend payment date

2026-03-25

Dividend payment years

Dividend payout frequency

Annual

Dividend per share

$1.00

Dividend yield

0.05%

Ex-dividend date

2026-03-16

FCF payout ratio

0.61%

Last dividend

$1.00

Payout ratio

0.23%

Shareholder yield

2.4%

Metric	Value
10Y price change	164.59%
10Y return CAGR	10.32%
10Y total return	166.91%
150-day SMA	$2,130.20
15Y price change	406.81%
15Y return CAGR	11.55%
15Y total return	415.51%
1D price change	0.19%
1M price change	8.89%
1M total return	8.89%
1W price change	-0.21%
1W total return	-0.21%
1Y price change	14.28%
1Y return CAGR	14.34%
1Y total return	14.33%
20-day SMA	$2,126.82
200-day SMA	$2,134.90
20Y price change	287.22%
20Y return CAGR	7.3%
20Y total return	309.54%
3M price change	0.68%
3M total return	0.68%
3Y price change	54.97%
3Y return CAGR	15.78%
3Y total return	55.21%
50-day SMA	$2,096.91
50-day SMA vs 200-day SMA	50under200
52-week high	$2,333.00
52-week high date	2026-04-17
52-week low	$1,863.60
52-week low date	2025-11-03
5Y price change	107.14%
5Y return CAGR	15.76%
5Y total return	107.81%
6M price change	-2.58%
6M total return	-2.58%
All-time high	$2,333.00
All-time high date	2026-04-17
All-time low	$24.13
All-time low date	1987-12-04
Average true range (ATR)	$41.42
Average volume	20.5K
Beta (1Y)	0.07
Beta (2Y)	0.23
Beta (5Y)	0.28
Change from 52-week high	-5%
Change from 52-week low	18.93%
Change from all-time high	-5.32%
Change from all-time low	9,056.27%
Change from open	0.28%
Day's gap	-0.09%
Dollar volume	$34.5M
High price	$2,216.38
Low price	$2,209.50
Monthly RSI	61.95
Open price	$2,210.27
Position in 52-week range	100%
Previous close	$2,212.20
Price vs 150-day SMA	3.7%
Price vs 20-day SMA	3.86%
Price vs 200-day SMA	3.47%
Price vs 50-day SMA	5.34%
Relative volume	0.76
RSI	68.67
Sharpe ratio	0.59
Sharpe ratio (3Y)	0.58
Sharpe ratio (5Y)	0.55
Sortino ratio	1.27
Sortino ratio (3Y)	1.15
Sortino ratio (5Y)	1.09
Volume	15.6K
Weekly RSI	58.68
YTD price change	6.3%
YTD total return	6.35%

Metric

Value

10Y price change

164.59%

10Y return CAGR

10.32%

10Y total return

166.91%

150-day SMA

$2,130.20

15Y price change

406.81%

15Y return CAGR

11.55%

15Y total return

415.51%

1D price change

0.19%

1M price change

8.89%

1M total return

8.89%

1W price change

-0.21%

1W total return

-0.21%

1Y price change

14.28%

1Y return CAGR

14.34%

1Y total return

14.33%

20-day SMA

$2,126.82

200-day SMA

$2,134.90

20Y price change

287.22%

20Y return CAGR

7.3%

20Y total return

309.54%

3M price change

0.68%

3M total return

0.68%

3Y price change

54.97%

3Y return CAGR

15.78%

3Y total return

55.21%

50-day SMA

$2,096.91

50-day SMA vs 200-day SMA

50under200

52-week high

$2,333.00

52-week high date

2026-04-17

52-week low

$1,863.60

52-week low date

2025-11-03

5Y price change

107.14%

5Y return CAGR

15.76%

5Y total return

107.81%

6M price change

-2.58%

6M total return

-2.58%

All-time high

$2,333.00

All-time high date

2026-04-17

All-time low

$24.13

All-time low date

1987-12-04

Average true range (ATR)

$41.42

Average volume

20.5K

Beta (1Y)

0.07

Beta (2Y)

0.23

Beta (5Y)

0.28

Change from 52-week high

-5%

Change from 52-week low

18.93%

Change from all-time high

-5.32%

Change from all-time low

9,056.27%

Change from open

0.28%

Day's gap

-0.09%

Dollar volume

$34.5M

High price

$2,216.38

Low price

$2,209.50

Monthly RSI

61.95

Open price

$2,210.27

Position in 52-week range

100%

Previous close

$2,212.20

Price vs 150-day SMA

3.7%

Price vs 20-day SMA

3.86%

Price vs 200-day SMA

3.47%

Price vs 50-day SMA

5.34%

Relative volume

0.76

RSI

68.67

Sharpe ratio

0.59

Sharpe ratio (3Y)

0.58

Sharpe ratio (5Y)

0.55

Sortino ratio

1.27

Sortino ratio (3Y)

1.15

Sortino ratio (5Y)

1.09

Volume

15.6K

Weekly RSI

58.68

YTD price change

6.3%

YTD total return

6.35%

Metric	Value
Float	2.3M
Float percentage	96.68%
Shares change (QoQ)	-1.62%
Shares change (YoY)	-2.35%
Shares held by insiders	3.27%
Shares held by institutions	97.53%
Shares outstanding	2.4M
Short % of float	6.13%
Short % of shares	5.93%
Short ratio	6.9 days

Metric

Value

Float

2.3M

Float percentage

96.68%

Shares change (QoQ)

-1.62%

Shares change (YoY)

-2.35%

Shares held by insiders

3.27%

Shares held by institutions

97.53%

Shares outstanding

2.4M

Short % of float

6.13%

Short % of shares

5.93%

Short ratio

6.9 days

White Mountains Insurance Group, Ltd. (WTM)

Price

Financial snapshot

Fair-value bridge

Latest news · WTM

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All WTM indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on WTM

Frequently asked questions