WHITE MOUNTAINS INSURANCE GP (WTM) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:WTM - BMG9618E1075 - Common Stock
2018.75 USD
+5.23 (+0.26%)
2018.75 USD
0 (0%)
Overall WTM gets a fundamental rating of 3 out of 10. We evaluated WTM against 147 industry peers in the Insurance industry. WTM has a bad profitability rating. Also its financial health evaluation is rather negative. WTM is valied quite expensively at the moment, while it does show a decent growth rate.
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 doing worse than 61.90% of the companies in the same industry.
WTM has a worse Return On Equity (2.90%) than 80.95% of its industry peers.
With a Return On Invested Capital value of 2.76%, WTM perfoms like the industry average, outperforming 55.78% 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
With a Profit Margin value of 5.56%, WTM is not doing good in the industry: 65.31% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of WTM has declined.
WTM's Operating Margin of 15.16% is fine compared to the rest of the industry. WTM outperforms 61.90% 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
The number of shares outstanding for WTM has been increased compared to 1 year ago.
The number of shares outstanding for WTM has been reduced compared to 5 years ago.
The debt/assets ratio for WTM has been reduced compared to a year ago.
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 has a Debt to FCF ratio of 1.55. This is comparable to the rest of the industry: WTM outperforms 56.46% of its industry peers.
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 70.75% 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%.
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
A Price/Earnings ratio of 22.43 indicates a rather expensive valuation of WTM.
WTM's Price/Earnings ratio is a bit more expensive when compared to the industry. WTM is more expensive than 74.15% of the companies in the same industry.
WTM's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.28.
With a Price/Forward Earnings ratio of 17.38, 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 66.67% of the companies are valued more cheaply.
WTM is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.52, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.43 | ||
| Fwd PE | 17.38 |
4.2 Price Multiples
WTM's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.07 | ||
| 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)1.11
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.
Compared to an average industry Dividend Yield of 3.48, WTM is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.31, 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.
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
5.3 Sustainability
1.88% of the earnings are spent on dividend by WTM. This is a low number and sustainable payout ratio.
DP1.88%
EPS Next 2Y13.61%
EPS Next 3Y13.42%
2018.75
+5.23 (+0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners97.2%
Inst Owner Change-2.24%
Ins Owners1.5%
Ins Owner Change-0.03%
Market Cap5.09B
Revenue(TTM)2.49B
Net Income(TTM)138.40M
Analysts45
Price TargetN/A
Short Float %3.91%
Short Ratio3.44
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-Date
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 | 22.43 | ||
| Fwd PE | 17.38 | ||
| P/S | 2.04 | ||
| P/FCF | 9.07 | ||
| P/OCF | 9.07 | ||
| P/B | 1.07 | ||
| P/tB | 1.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)89.99
EY4.46%
EPS(NY)116.15
Fwd EY5.75%
FCF(TTM)222.5
FCFY11.02%
OCF(TTM)222.5
OCFY11.02%
SpS987.78
BVpS1891.9
TBVpS1339.17
PEG (NY)0.44
PEG (5Y)1.11
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 of WHITE MOUNTAINS INSURANCE GP (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 2 / 10.
What is the financial health of WHITE MOUNTAINS INSURANCE GP (WTM) stock?
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.