WHITE MOUNTAINS INSURANCE GP (WTM) Fundamental Analysis & Valuation

NYSE:WTM • BMG9618E1075

Current stock price

2259.27 USD
-26.12 (-1.14%)
At close:
2259.27 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

  • 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.
  • In the past 5 years WTM always reported a positive cash flow from operatings.
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

  • WTM has a Return On Assets of 8.86%. This is amongst the best in the industry. WTM outperforms 91.84% of its industry peers.
  • With an excellent Return On Equity value of 20.09%, WTM belongs to the best of the industry, outperforming 80.95% of the companies in the same industry.
  • WTM's Return On Invested Capital of 4.13% is fine compared to the rest of the industry. WTM outperforms 67.35% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for WTM is below the industry average of 9.51%.
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 95.92% of its industry peers.
  • In the last couple of years the Profit Margin of WTM has declined.
  • WTM has a Operating Margin of 19.33%. This is in the better half of the industry: WTM outperforms 72.79% of its industry peers.
  • 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Looking at the Debt to FCF ratio, with a value of 1.52, WTM is in line with its industry, outperforming 52.38% of the companies in the same industry.
  • A Debt/Equity ratio of 0.15 indicates that WTM is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.15, WTM is in the better half of the industry, outperforming 72.11% of the companies in the same industry.
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

More info and screens

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

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.
  • Looking at the last year, WTM shows a very strong growth in Revenue. The Revenue has grown by 22.57%.
  • The Revenue has been growing by 19.57% on average over the past years. This is quite good.
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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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 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

More info and screens

Find the best growth stocksShow best growing peers

3

4. WTM Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 5.22, the valuation of WTM can be described as very cheap.
  • WTM's Price/Earnings ratio is rather cheap when compared to the industry. WTM is cheaper than 81.63% of the companies in the same industry.
  • WTM's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.42.
  • With a Price/Forward Earnings ratio of 19.45, WTM is valued on the expensive side.
  • Based on the Price/Forward Earnings ratio, WTM is valued a bit more expensive than the industry average as 74.83% of the companies are valued more cheaply.
  • WTM is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.24, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 5.22
Fwd PE 19.45
WTM Price Earnings VS Forward Price EarningsWTM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • WTM's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 10.18
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)0.39
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 0.04%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.37, WTM is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.81, WTM's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.04%

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 Years8
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

More info and screens

Find the best dividend stocksShow peers with best dividend

WTM Fundamentals: All Metrics, Ratios and Statistics

WHITE MOUNTAINS INSURANCE GP

NYSE:WTM (4/24/2026, 8:14:41 PM)

After market: 2259.27 0 (0%)

2259.27

-26.12 (-1.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-13
Inst Owners95.55%
Inst Owner Change-0.04%
Ins Owners1.45%
Ins Owner Change-8.43%
Market Cap5.60B
Revenue(TTM)2.89B
Net Income(TTM)1.09B
Analysts45
Price TargetN/A
Short Float %3.43%
Short Ratio4.44
Dividend
Industry RankSector Rank
Dividend Yield 0.04%
Yearly Dividend1.03
Dividend Growth(5Y)-0.7%
DP0.24%
Div Incr Years0
Div Non Decr Years8
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 5.22
Fwd PE 19.45
P/S 1.94
P/FCF 10.18
P/OCF 10.18
P/B 1.03
P/tB 1.27
EV/EBITDA N/A
EPS(TTM)432.58
EY19.15%
EPS(NY)116.15
Fwd EY5.14%
FCF(TTM)221.98
FCFY9.83%
OCF(TTM)221.98
OCFY9.83%
SpS1163.59
BVpS2187.66
TBVpS1776.29
PEG (NY)N/A
PEG (5Y)0.39
Graham Number4614.39 (104.24%)
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.


How profitable is WHITE MOUNTAINS INSURANCE GP (WTM) stock?

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


Can you provide the PE and PB ratios for WTM stock?

The Price/Earnings (PE) ratio for WHITE MOUNTAINS INSURANCE GP (WTM) is 5.22 and the Price/Book (PB) ratio is 1.03.


Can you provide the expected EPS growth for WTM stock?

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