WHITE MOUNTAINS INSURANCE GP (WTM) Stock Fundamental Analysis

NYSE:WTM • BMG9618E1075

2189.34 USD
-38.79 (-1.74%)
At close: Feb 23, 2026
2189.34 USD
0 (0%)
After Hours: 2/23/2026, 8:22:05 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, WTM scores 3 out of 10 in our fundamental rating. WTM was compared to 150 industry peers in the Insurance industry. WTM may be in some trouble as it scores bad on both profitability and health. WTM is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

3

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.
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 0 200M -200M 400M 600M

1.2 Ratios

  • The Return On Assets of WTM (1.12%) is comparable to the rest of the industry.
  • WTM has a worse Return On Equity (2.90%) than 76.00% of its industry peers.
  • With a Return On Invested Capital value of 2.76%, WTM perfoms like the industry average, outperforming 56.67% of the companies in the same industry.
Industry RankSector Rank
ROA 1.12%
ROE 2.9%
ROIC 2.76%
ROA(3y)6.34%
ROA(5y)5.96%
ROE(3y)12.7%
ROE(5y)9.72%
ROIC(3y)N/A
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 0 5 -5 10 15 20

1.3 Margins

  • With a Profit Margin value of 5.56%, WTM is not doing good in the industry: 64.67% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of WTM has declined.
  • Looking at the Operating Margin, with a value of 15.16%, WTM is in the better half of the industry, outperforming 62.00% of the companies in the same industry.
  • WTM's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 15.16%
PM (TTM) 5.56%
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
WTM Yearly Profit, Operating, Gross MarginsWTM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100 200

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3

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, WTM has more shares outstanding
  • Compared to 5 years ago, WTM has less shares outstanding
  • WTM has a better debt/assets ratio than last year.
WTM Yearly Shares OutstandingWTM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2B 4B 6B 8B

2.2 Solvency

  • The Debt to FCF ratio of WTM is 1.55, which is an excellent value as it means it would take WTM, only 1.55 years of fcf income to pay off all of its debts.
  • WTM has a Debt to FCF ratio (1.55) which is in line with its industry peers.
  • A Debt/Equity ratio of 0.18 indicates that WTM is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.18, WTM is in the better half of the industry, outperforming 70.67% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.55
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 0 1B 2B 3B 4B

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 50M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • WTM shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -54.67%.
  • The Earnings Per Share has been growing by 20.28% on average over the past years. This is a very strong growth
  • The Revenue has decreased by -8.92% in the past year.
  • Measured over the past years, WTM shows a very strong growth in Revenue. The Revenue has been growing by 21.38% on average per year.
EPS 1Y (TTM)-54.67%
EPS 3YN/A
EPS 5Y20.28%
EPS Q2Q%-36.61%
Revenue 1Y (TTM)-8.92%
Revenue growth 3Y56.48%
Revenue growth 5Y21.38%
Sales Q2Q%-9.37%

3.2 Future

  • WTM is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.42% yearly.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y51.52%
EPS Next 2Y13.61%
EPS Next 3Y13.42%
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • 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 500M 1B 1.5B 2B
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. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 24.33, which indicates a rather expensive current valuation of WTM.
  • WTM's Price/Earnings ratio is a bit more expensive when compared to the industry. WTM is more expensive than 74.67% of the companies in the same industry.
  • WTM is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.64, which is the current average of the S&P500 Index.
  • WTM is valuated rather expensively with a Price/Forward Earnings ratio of 18.85.
  • 72.00% of the companies in the same industry are cheaper than WTM, based on the Price/Forward Earnings ratio.
  • WTM's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.75.
Industry RankSector Rank
PE 24.33
Fwd PE 18.85
WTM Price Earnings VS Forward Price EarningsWTM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • WTM's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 9.68
EV/EBITDA N/A
WTM Per share dataWTM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 500 1K 1.5K

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • WTM's earnings are expected to grow with 13.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.47
PEG (5Y)1.2
EPS Next 2Y13.61%
EPS Next 3Y13.42%

More info and screens

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

3

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.05%, WTM is not a good candidate for dividend investing.
  • WTM's Dividend Yield is slightly below the industry average, which is at 2.58.
  • With a Dividend Yield of 0.05, WTM pays less dividend than the S&P500 average, which is at 1.80.
Industry RankSector Rank
Dividend Yield 0.05%

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.
  • As WTM did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)-1.78%
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 2 4 6

5.3 Sustainability

  • WTM pays out 1.88% of its income as dividend. This is a sustainable payout ratio.
DP1.88%
EPS Next 2Y13.61%
EPS Next 3Y13.42%
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 0 200M -200M 400M 600M
WTM Dividend Payout.WTM Dividend Payout, showing the Payout Ratio.WTM Dividend Payout.PayoutRetained Earnings

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WHITE MOUNTAINS INSURANCE GP

NYSE:WTM (2/23/2026, 8:22:05 PM)

After market: 2189.34 0 (0%)

2189.34

-38.79 (-1.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-05
Inst Owners97.26%
Inst Owner Change-7.31%
Ins Owners1.1%
Ins Owner Change-10.92%
Market Cap5.43B
Revenue(TTM)2.49B
Net Income(TTM)138.40M
Analysts45
Price TargetN/A
Short Float %3.38%
Short Ratio4.41
Dividend
Industry RankSector Rank
Dividend Yield 0.05%
Yearly Dividend0.97
Dividend Growth(5Y)-1.78%
DP1.88%
Div Incr Years0
Div Non Decr Years7
Ex-DateN/A
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 24.33
Fwd PE 18.85
P/S 2.18
P/FCF 9.68
P/OCF 9.68
P/B 1.14
P/tB 1.61
EV/EBITDA N/A
EPS(TTM)89.99
EY4.11%
EPS(NY)116.15
Fwd EY5.31%
FCF(TTM)226.09
FCFY10.33%
OCF(TTM)226.09
OCFY10.33%
SpS1003.71
BVpS1922.42
TBVpS1360.77
PEG (NY)0.47
PEG (5Y)1.2
Graham Number1972.93
Profitability
Industry RankSector Rank
ROA 1.12%
ROE 2.9%
ROCE 3.08%
ROIC 2.76%
ROICexc 2.85%
ROICexgc 3.71%
OM 15.16%
PM (TTM) 5.56%
GM N/A
FCFM 22.53%
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
ROICexgc growth 3YN/A
ROICexgc 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 Turnover0.2
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.55
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 5.92
Cash Conversion N/A
Profit Quality 405.13%
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)-54.67%
EPS 3YN/A
EPS 5Y20.28%
EPS Q2Q%-36.61%
EPS Next Y51.52%
EPS Next 2Y13.61%
EPS Next 3Y13.42%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.92%
Revenue growth 3Y56.48%
Revenue growth 5Y21.38%
Sales Q2Q%-9.37%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-60.03%
EBIT growth 3YN/A
EBIT growth 5Y2.88%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-4.59%
FCF growth 3Y121.77%
FCF growth 5YN/A
OCF growth 1Y-4.59%
OCF growth 3Y121.77%
OCF growth 5YN/A

WHITE MOUNTAINS INSURANCE GP / WTM FAQ

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

ChartMill assigns a fundamental rating of 3 / 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 3 / 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 grow by 51.52% in the next year.