WHITE MOUNTAINS INSURANCE GP (WTM) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:WTM - BMG9618E1075 - Common Stock
2059.54 USD
+12.23 (+0.6%)
We assign a fundamental rating of 3 out of 10 to WTM. WTM was compared to 148 industry peers in the Insurance industry. WTM may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, WTM is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
WTM had positive earnings in the past year.
WTM had a positive operating cash flow in the past year.
WTM had positive earnings in 4 of the past 5 years.
WTM had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of WTM (1.12%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 2.90%, WTM is doing worse than 77.70% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 2.76%, WTM is in line with its industry, outperforming 56.08% of the companies in the same industry.
| 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
WTM has a Profit Margin of 5.56%. This is in the lower half of the industry: WTM underperforms 62.84% of its industry peers.
WTM's Profit Margin has declined in the last couple of years.
WTM has a Operating Margin of 15.16%. This is in the better half of the industry: WTM outperforms 61.49% of its industry peers.
In the last couple of years the Operating Margin of WTM has declined.
| 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
Compared to 1 year ago, WTM has more shares outstanding
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
WTM has a debt to FCF ratio of 1.55. This is a very positive value and a sign of high solvency as it would only need 1.55 years to pay back of all of its debts.
WTM's Debt to FCF ratio of 1.55 is in line compared to the rest of the industry. WTM outperforms 56.76% of its industry peers.
WTM has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
WTM has a better Debt to Equity ratio (0.18) than 70.27% of its industry peers.
| 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%.
WTM shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.28% yearly.
The Revenue has decreased by -8.92% in the past year.
The Revenue has been growing by 21.38% on average over the past years. This is a very strong growth!
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.
4. Valuation
4.1 Price/Earnings Ratio
WTM is valuated rather expensively with a Price/Earnings ratio of 22.89.
WTM's Price/Earnings ratio is a bit more expensive when compared to the industry. WTM is more expensive than 71.62% 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 26.92, which is the current average of the S&P500 Index.
WTM is valuated rather expensively with a Price/Forward Earnings ratio of 17.73.
65.54% 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 23.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.89 | ||
| Fwd PE | 17.73 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as WTM.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.26 | ||
| EV/EBITDA | N/A |
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)0.44
PEG (5Y)1.13
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 2.48.
With a Dividend Yield of 0.05, WTM pays less dividend than the S&P500 average, which is at 1.94.
| 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%
NYSE:WTM (1/7/2026, 8:05:45 PM)
2059.54
+12.23 (+0.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners97.26%
Inst Owner Change0%
Ins Owners1.1%
Ins Owner Change-10.7%
Market Cap5.19B
Revenue(TTM)2.49B
Net Income(TTM)138.40M
Analysts45
Price TargetN/A
Short Float %3.57%
Short Ratio4.02
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 | 22.89 | ||
| Fwd PE | 17.73 | ||
| P/S | 2.09 | ||
| P/FCF | 9.26 | ||
| P/OCF | 9.26 | ||
| P/B | 1.09 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)89.99
EY4.37%
EPS(NY)116.15
Fwd EY5.64%
FCF(TTM)222.5
FCFY10.8%
OCF(TTM)222.5
OCFY10.8%
SpS987.78
BVpS1891.9
TBVpS1339.17
PEG (NY)0.44
PEG (5Y)1.13
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.