WHITE MOUNTAINS INSURANCE GP (WTM) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:WTM - BMG9618E1075 - Common Stock
2071.97 USD
-1.88 (-0.09%)
2071.97 USD
0 (0%)
WTM gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 149 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.
1. Profitability
1.1 Basic Checks
- In the past year WTM was profitable.
- WTM had a positive operating cash flow in the past year.
- Of the past 5 years WTM 4 years were profitable.
- Of the past 5 years WTM 4 years had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.12%, WTM is in line with its industry, outperforming 40.27% of the companies in the same industry.
- WTM's Return On Equity of 2.90% is on the low side compared to the rest of the industry. WTM is outperformed by 77.85% of its industry peers.
- WTM has a Return On Invested Capital of 2.76%. This is comparable to the rest of the industry: WTM outperforms 55.70% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- With a Profit Margin value of 5.56%, WTM is not doing good in the industry: 63.09% of the companies in the same industry are doing better.
- WTM's Profit Margin has declined in the last couple of years.
- The Operating Margin of WTM (15.16%) is better than 61.07% of its industry peers.
- WTM's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- WTM has more shares outstanding than it did 1 year ago.
- WTM has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, WTM has an improved debt to assets ratio.
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.
- Looking at the Debt to FCF ratio, with a value of 1.55, WTM is in line with its industry, outperforming 57.05% of the companies in the same industry.
- A Debt/Equity ratio of 0.18 indicates that WTM is not too dependend on debt financing.
- With a decent Debt to Equity ratio value of 0.18, WTM is doing good in the industry, outperforming 70.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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
- WTM shows a decrease in Revenue. In the last year, the revenue decreased by -8.92%.
- 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
- The Earnings Per Share is expected to grow by 13.42% 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 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 23.02 indicates a rather expensive valuation of WTM.
- Based on the Price/Earnings ratio, WTM is valued a bit more expensive than the industry average as 72.48% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Earnings ratio of 27.32, WTM is valued at the same level.
- The Price/Forward Earnings ratio is 17.84, which indicates a rather expensive current valuation of WTM.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of WTM indicates a slightly more expensive valuation: WTM is more expensive than 66.44% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.32, WTM is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.02 | ||
| Fwd PE | 17.84 |
4.2 Price Multiples
- WTM's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.31 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- WTM's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as WTM's earnings are expected to grow with 13.42% in the coming years.
PEG (NY)0.45
PEG (5Y)1.14
EPS Next 2Y13.61%
EPS Next 3Y13.42%
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 2.53.
- Compared to an average S&P500 Dividend Yield of 1.83, WTM's dividend is way lower than the S&P500 average.
| Industry Rank | Sector 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.
- 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 1.88% of its income as dividend. This is a sustainable payout ratio.
DP1.88%
EPS Next 2Y13.61%
EPS Next 3Y13.42%
2071.97
-1.88 (-0.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-10 2025-11-10
Earnings (Next)02-11 2026-02-11/bmo
Inst Owners97.26%
Inst Owner Change-0.44%
Ins Owners1.1%
Ins Owner Change-10.92%
Market Cap5.22B
Revenue(TTM)2.49B
Net Income(TTM)138.40M
Analysts45
Price TargetN/A
Short Float %2.65%
Short Ratio3.31
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.02 | ||
| Fwd PE | 17.84 | ||
| P/S | 2.1 | ||
| P/FCF | 9.31 | ||
| P/OCF | 9.31 | ||
| P/B | 1.1 | ||
| P/tB | 1.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)89.99
EY4.34%
EPS(NY)116.15
Fwd EY5.61%
FCF(TTM)222.5
FCFY10.74%
OCF(TTM)222.5
OCFY10.74%
SpS987.78
BVpS1891.9
TBVpS1339.17
PEG (NY)0.45
PEG (5Y)1.14
Graham Number1957.21
Profitability
| Industry Rank | Sector 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 Rank | Sector 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.