WTM Fundamental Analysis - WHITE MOUNTAINS INSURANCE GP

Fundamental Rating

Taking everything into account, WTM scores 3 out of 10 in our fundamental rating. WTM was compared to 144 industry peers in the Insurance industry. Both the profitability and financial health of WTM have multiple concerns. While showing a medium growth rate, WTM is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

WTM had positive earnings in the past year.

In the past year WTM had a positive cash flow from operations.

WTM had positive earnings in 4 of the past 5 years.

Of the past 5 years WTM 4 years had a positive operating cash flow.

1.2 Ratios

The Return On Assets of WTM (0.25%) is worse than 75.00% of its industry peers.

The Return On Equity of WTM (0.61%) is worse than 79.17% of its industry peers.

WTM has a better Return On Invested Capital (2.74%) than 60.42% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.25%
ROE	0.61%
ROIC	2.74%

ROA(3y)6.34%

ROA(5y)5.96%

ROE(3y)12.7%

ROE(5y)9.72%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

WTM has a Profit Margin of 1.20%. This is in the lower half of the industry: WTM underperforms 79.86% of its industry peers.

In the last couple of years the Profit Margin of WTM has declined.

WTM has a Operating Margin of 14.64%. This is in the better half of the industry: WTM outperforms 69.44% of its industry peers.

WTM's Operating Margin has declined in the last couple of years.

		Industry Rank	Sector Rank
OM	14.64%
PM (TTM)	1.2%
GM	N/A

OM growth 3YN/A

OM growth 5Y-15.24%

PM growth 3YN/A

PM growth 5Y-26.94%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

WTM has more shares outstanding than it did 1 year ago.

The number of shares outstanding for WTM has been reduced compared to 5 years ago.

WTM has a better debt/assets ratio than last year.

2.2 Solvency

WTM has a debt to FCF ratio of 1.33. This is a very positive value and a sign of high solvency as it would only need 1.33 years to pay back of all of its debts.

WTM has a Debt to FCF ratio of 1.33. This is comparable to the rest of the industry: WTM outperforms 54.17% of its industry peers.

WTM has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.

WTM's Debt to Equity ratio of 0.15 is fine compared to the rest of the industry. WTM outperforms 75.00% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	1.33
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for WTM have decreased strongly by -95.09% in the last year.

The Earnings Per Share has been growing by 20.28% on average over the past years. This is a very strong growth

WTM shows a small growth in Revenue. In the last year, the Revenue has grown by 0.12%.

The Revenue has been growing by 21.38% on average over the past years. This is a very strong growth!

EPS 1Y (TTM)-95.09%

EPS 3YN/A

EPS 5Y20.28%

EPS Q2Q%-85.71%

Revenue 1Y (TTM)0.12%

Revenue growth 3Y56.48%

Revenue growth 5Y21.38%

Sales Q2Q%-27.05%

3.2 Future

The Earnings Per Share is expected to grow by 13.61% on average over the next years. This is quite good.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next Y23.46%

EPS Next 2Y13.61%

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

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 163.24, WTM can be considered very expensive at the moment.

WTM's Price/Earnings ratio is rather expensive when compared to the industry. WTM is more expensive than 84.03% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 26.92, WTM is valued quite expensively.

The Price/Forward Earnings ratio is 15.25, which indicates a correct valuation of WTM.

Based on the Price/Forward Earnings ratio, WTM is valued a bit more expensive than the industry average as 63.19% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.46, WTM is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	163.24
Fwd PE	15.25

4.2 Price Multiples

WTM's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	8.92
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

WTM's earnings are expected to grow with 13.61% in the coming years. This may justify a more expensive valuation.

PEG (NY)6.96

PEG (5Y)8.05

EPS Next 2Y13.61%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

WTM has a yearly dividend return of 0.06%, which is pretty low.

WTM's Dividend Yield is slightly below the industry average, which is at 3.52.

With a Dividend Yield of 0.06, WTM pays less dividend than the S&P500 average, which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	0.06%

5.2 History

The dividend of WTM decreases each year by -1.78%.

WTM has been paying a dividend for at least 10 years, so it has a reliable track record.

WTM has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)-1.78%

Div Incr Years0

Div Non Decr Years7

5.3 Sustainability

WTM pays out 9.49% of its income as dividend. This is a sustainable payout ratio.

DP9.49%

EPS Next 2Y13.61%

EPS Next 3YN/A

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WHITE MOUNTAINS INSURANCE GP

NYSE:WTM (6/24/2025, 8:05:15 PM)

After market: 1771.14 0 (0%)

1771.14

-10.59 (-0.59%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)05-07 2025-05-07/bmo

Earnings (Next)08-05 2025-08-05

Inst Owners91.85%

Inst Owner Change6.47%

Ins Owners2.42%

Ins Owner Change2.23%

Market Cap4.55B

Analysts45

Price TargetN/A

Short Float %2.14%

Short Ratio3.01

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.06%

Yearly Dividend0.97

Dividend Growth(5Y)-1.78%

DP9.49%

Div Incr Years0

Div Non Decr Years7

Ex-Date03-17 2025-03-17 (1)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)70.46%

Min EPS beat(2)-52.36%

Max EPS beat(2)193.28%

EPS beat(4)2

Avg EPS beat(4)32.43%

Min EPS beat(4)-52.36%

Max EPS beat(4)193.28%

EPS beat(8)4

Avg EPS beat(8)42.75%

EPS beat(12)5

Avg EPS beat(12)23.51%

EPS beat(16)9

Avg EPS beat(16)109.64%

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)0%

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 Rank	Sector Rank
PE	163.24
Fwd PE	15.25
P/S	1.99
P/FCF	8.92
P/OCF	8.92
P/B	1.01
P/tB	1.2
EV/EBITDA	N/A

EPS(TTM)10.85

EY0.61%

EPS(NY)116.15

Fwd EY6.56%

FCF(TTM)198.48

FCFY11.21%

OCF(TTM)198.48

OCFY11.21%

SpS889.03

BVpS1754.71

TBVpS1476.46

PEG (NY)6.96

PEG (5Y)8.05

Profitability

		Industry Rank	Sector Rank
ROA	0.25%
ROE	0.61%
ROCE	3.05%
ROIC	2.74%
ROICexc	2.8%
ROICexgc	3.45%
OM	14.64%
PM (TTM)	1.2%
GM	N/A
FCFM	22.33%

ROA(3y)6.34%

ROA(5y)5.96%

ROE(3y)12.7%

ROE(5y)9.72%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5Y-15.48%

ROICexc growth 3YN/A

ROICexc growth 5Y-14.94%

OM growth 3YN/A

OM growth 5Y-15.24%

PM growth 3YN/A

PM growth 5Y-26.94%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.21

Health

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	1.33
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	5.55
Cash Conversion	N/A
Profit Quality	1861.68%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

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)126.98%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-95.09%

EPS 3YN/A

EPS 5Y20.28%

EPS Q2Q%-85.71%

EPS Next Y23.46%

EPS Next 2Y13.61%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)0.12%

Revenue growth 3Y56.48%

Revenue growth 5Y21.38%

Sales Q2Q%-27.05%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-49.47%

EBIT growth 3YN/A

EBIT growth 5Y2.88%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y9.98%

FCF growth 3Y121.77%

FCF growth 5YN/A

OCF growth 1Y9.98%

OCF growth 3Y121.77%

OCF growth 5YN/A

WHITE MOUNTAINS INSURANCE GP (WTM) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens