WHITE MOUNTAINS INSURANCE GP (WTM) Fundamental Analysis & Valuation

NYSE:WTM • BMG9618E1075

Current stock price

2153.86 USD
-66.85 (-3.01%)
At close:
2153.86 USD
0 (0%)
After Hours:

This WTM fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. WTM Profitability Analysis

1.1 Basic Checks

  • In the past year WTM was profitable.
  • In the past year WTM had a positive cash flow from operations.
  • WTM had positive earnings in 4 of the past 5 years.
  • WTM had a positive operating cash flow in each of the past 5 years.
WTM Yearly Net Income VS EBIT VS OCF VS FCFWTM Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M 600M 800M 1B

1.2 Ratios

  • With an excellent Return On Assets value of 8.86%, WTM belongs to the best of the industry, outperforming 93.24% of the companies in the same industry.
  • WTM has a Return On Equity of 20.09%. This is amongst the best in the industry. WTM outperforms 83.11% of its industry peers.
  • With a decent Return On Invested Capital value of 4.13%, WTM is doing good in the industry, outperforming 65.54% of the companies in the same industry.
  • WTM had an Average Return On Invested Capital over the past 3 years of 5.16%. This is below the industry average of 9.34%.
Industry RankSector Rank
ROA 8.86%
ROE 20.09%
ROIC 4.13%
ROA(3y)5.71%
ROA(5y)4.8%
ROE(3y)12.33%
ROE(5y)10.1%
ROIC(3y)5.16%
ROIC(5y)N/A
WTM Yearly ROA, ROE, ROICWTM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 15 20

1.3 Margins

  • WTM has a better Profit Margin (37.77%) than 97.30% of its industry peers.
  • WTM's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 19.33%, WTM is in the better half of the industry, outperforming 72.30% of the companies in the same industry.
  • WTM's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 19.33%
PM (TTM) 37.77%
GM N/A
OM growth 3YN/A
OM growth 5Y-19.55%
PM growth 3Y-18.03%
PM growth 5Y-8.85%
GM growth 3YN/A
GM growth 5YN/A
WTM Yearly Profit, Operating, Gross MarginsWTM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100 200

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3

2. WTM Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, WTM has less shares outstanding
  • The number of shares outstanding for WTM has been reduced compared to 5 years ago.
  • WTM has a worse debt/assets ratio than last year.
WTM Yearly Shares OutstandingWTM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1M 2M 3M 4M
WTM Yearly Total Debt VS Total AssetsWTM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • WTM has a debt to FCF ratio of 1.52. This is a very positive value and a sign of high solvency as it would only need 1.52 years to pay back of all of its debts.
  • WTM has a Debt to FCF ratio of 1.52. This is comparable to the rest of the industry: WTM outperforms 52.03% of its industry peers.
  • A Debt/Equity ratio of 0.15 indicates that WTM is not too dependend on debt financing.
  • WTM has a Debt to Equity ratio of 0.15. This is in the better half of the industry: WTM outperforms 72.30% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.52
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
WTM Yearly LT Debt VS Equity VS FCFWTM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B 4B 5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WTM Yearly Current Assets VS Current LiabilitesWTM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M

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4

3. WTM Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 381.27% over the past year.
  • WTM shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.48% yearly.
  • WTM shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.57%.
  • WTM shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.57% yearly.
EPS 1Y (TTM)381.27%
EPS 3Y15.25%
EPS 5Y13.48%
EPS Q2Q%744.01%
Revenue 1Y (TTM)22.57%
Revenue growth 3Y35.58%
Revenue growth 5Y19.57%
Sales Q2Q%110.75%

3.2 Future

  • Based on estimates for the next years, WTM will show a decrease in Earnings Per Share. The EPS will decrease by -1.87% on average per year.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-14.81%
EPS Next 2Y-1.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
WTM Yearly Revenue VS EstimatesWTM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B
WTM Yearly EPS VS EstimatesWTM Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 100 -100 200 300

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3

4. WTM Valuation Analysis

4.1 Price/Earnings Ratio

  • WTM is valuated cheaply with a Price/Earnings ratio of 4.98.
  • 83.11% of the companies in the same industry are more expensive than WTM, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 24.88. WTM is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 18.54, WTM is valued on the expensive side.
  • WTM's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. WTM is more expensive than 74.32% of the companies in the same industry.
  • WTM is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 4.98
Fwd PE 18.54
WTM Price Earnings VS Forward Price EarningsWTM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of WTM is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 9.55
EV/EBITDA N/A
WTM Per share dataWTM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 500 1K 1.5K 2K

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.37
EPS Next 2Y-1.87%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. WTM Dividend Analysis

5.1 Amount

  • WTM has a yearly dividend return of 0.05%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.84, WTM is paying slightly less dividend.
  • With a Dividend Yield of 0.05, WTM pays less dividend than the S&P500 average, which is at 1.90.
Industry RankSector Rank
Dividend Yield 0.05%

5.2 History

  • The dividend of WTM decreases each year by -0.70%.
  • WTM has paid a dividend for at least 10 years, which is a reliable track record.
  • As WTM did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)-0.7%
Div Incr Years0
Div Non Decr Years7
WTM Yearly Dividends per shareWTM Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

5.3 Sustainability

  • WTM pays out 0.24% of its income as dividend. This is a sustainable payout ratio.
  • WTM's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP0.24%
EPS Next 2Y-1.87%
EPS Next 3YN/A
WTM Yearly Income VS Free CF VS DividendWTM Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M 600M 800M 1B
WTM Dividend Payout.WTM Dividend Payout, showing the Payout Ratio.WTM Dividend Payout.PayoutRetained Earnings

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WTM Fundamentals: All Metrics, Ratios and Statistics

WHITE MOUNTAINS INSURANCE GP

NYSE:WTM (3/27/2026, 7:00:00 PM)

After market: 2153.86 0 (0%)

2153.86

-66.85 (-3.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-05
Inst Owners94.35%
Inst Owner Change-7.32%
Ins Owners1.48%
Ins Owner Change-8.43%
Market Cap5.26B
Revenue(TTM)2.89B
Net Income(TTM)1.09B
Analysts45
Price TargetN/A
Short Float %3.17%
Short Ratio4.2
Dividend
Industry RankSector Rank
Dividend Yield 0.05%
Yearly Dividend1.03
Dividend Growth(5Y)-0.7%
DP0.24%
Div Incr Years0
Div Non Decr Years7
Ex-Date03-16
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 4.98
Fwd PE 18.54
P/S 1.82
P/FCF 9.55
P/OCF 9.55
P/B 0.97
P/tB 1.19
EV/EBITDA N/A
EPS(TTM)432.58
EY20.08%
EPS(NY)116.15
Fwd EY5.39%
FCF(TTM)225.62
FCFY10.47%
OCF(TTM)225.62
OCFY10.47%
SpS1182.66
BVpS2223.52
TBVpS1805.41
PEG (NY)N/A
PEG (5Y)0.37
Graham Number4652.06
Profitability
Industry RankSector Rank
ROA 8.86%
ROE 20.09%
ROCE 4.58%
ROIC 4.13%
ROICexc 4.19%
ROICexgc 5.15%
OM 19.33%
PM (TTM) 37.77%
GM N/A
FCFM 19.08%
ROA(3y)5.71%
ROA(5y)4.8%
ROE(3y)12.33%
ROE(5y)10.1%
ROIC(3y)5.16%
ROIC(5y)N/A
ROICexc(3y)5.24%
ROICexc(5y)N/A
ROICexgc(3y)6.24%
ROICexgc(5y)N/A
ROCE(3y)5.73%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y-21.18%
ROICexc growth 3YN/A
ROICexc growth 5Y-20.99%
OM growth 3YN/A
OM growth 5Y-19.55%
PM growth 3Y-18.03%
PM growth 5Y-8.85%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.23
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.52
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 8.4
Cash Conversion N/A
Profit Quality 50.5%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)129.68%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)381.27%
EPS 3Y15.25%
EPS 5Y13.48%
EPS Q2Q%744.01%
EPS Next Y-14.81%
EPS Next 2Y-1.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)22.57%
Revenue growth 3Y35.58%
Revenue growth 5Y19.57%
Sales Q2Q%110.75%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y13.37%
EBIT growth 3YN/A
EBIT growth 5Y-3.81%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-6.19%
FCF growth 3Y17.81%
FCF growth 5YN/A
OCF growth 1Y-6.19%
OCF growth 3Y17.81%
OCF growth 5YN/A

WHITE MOUNTAINS INSURANCE GP / WTM Fundamental Analysis FAQ

What is the ChartMill fundamental rating of WHITE MOUNTAINS INSURANCE GP (WTM) stock?

ChartMill assigns a fundamental rating of 4 / 10 to WTM.


What is the valuation status for WTM stock?

ChartMill assigns a valuation rating of 3 / 10 to WHITE MOUNTAINS INSURANCE GP (WTM). This can be considered as Overvalued.


What is the profitability of WTM stock?

WHITE MOUNTAINS INSURANCE GP (WTM) has a profitability rating of 5 / 10.


How financially healthy is WHITE MOUNTAINS INSURANCE GP?

The financial health rating of WHITE MOUNTAINS INSURANCE GP (WTM) is 3 / 10.


What is the earnings growth outlook for WHITE MOUNTAINS INSURANCE GP?

The Earnings per Share (EPS) of WHITE MOUNTAINS INSURANCE GP (WTM) is expected to decline by -14.81% in the next year.