WHITE MOUNTAINS INSURANCE GP (WTM) Stock Fundamental Analysis
USA - NYSE:WTM - BMG9618E1075 - Common Stock
1924.67 USD
+9.58 (+0.5%)
1924.67 USD
0 (0%)
WTM gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 146 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
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.
Of the past 5 years WTM 4 years had a positive operating cash flow.
1.2 Ratios
WTM has a Return On Assets of 1.71%. This is comparable to the rest of the industry: WTM outperforms 45.21% of its industry peers.
With a Return On Equity value of 4.36%, WTM is not doing good in the industry: 76.71% of the companies in the same industry are doing better.
WTM has a Return On Invested Capital of 4.19%. This is in the better half of the industry: WTM outperforms 71.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.71% | ||
| ROE | 4.36% | ||
| ROIC | 4.19% |
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
Looking at the Profit Margin, with a value of 7.86%, WTM is in line with its industry, outperforming 50.68% of the companies in the same industry.
In the last couple of years the Profit Margin of WTM has declined.
WTM has a Operating Margin of 21.31%. This is amongst the best in the industry. WTM outperforms 80.82% of its industry peers.
In the last couple of years the Operating Margin of WTM has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 21.31% | ||
| PM (TTM) | 7.86% | ||
| 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.
The number of shares outstanding for WTM has been reduced compared to 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 1.48. This is a very positive value and a sign of high solvency as it would only need 1.48 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.48, WTM is in line with its industry, outperforming 58.22% of the companies in the same industry.
A Debt/Equity ratio of 0.15 indicates that WTM is not too dependend on debt financing.
WTM's Debt to Equity ratio of 0.15 is fine compared to the rest of the industry. WTM outperforms 73.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.48 | ||
| 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
The earnings per share for WTM have decreased strongly by -58.45% in the last year.
Measured over the past years, WTM shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.28% on average per year.
The Revenue has grown by 12.16% in the past year. This is quite good.
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)-58.45%
EPS 3YN/A
EPS 5Y20.28%
EPS Q2Q%324.81%
Revenue 1Y (TTM)12.16%
Revenue growth 3Y56.48%
Revenue growth 5Y21.38%
Sales Q2Q%74.3%
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
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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 24.11.
Based on the Price/Earnings ratio, WTM is valued a bit more expensive than 75.34% of the companies in the same industry.
WTM's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.89.
With a Price/Forward Earnings ratio of 16.57, WTM is valued correctly.
Based on the Price/Forward Earnings ratio, WTM is valued a bit more expensive than 63.70% of the companies in the same industry.
WTM is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.11 | ||
| Fwd PE | 16.57 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of WTM is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.38 | ||
| 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.
A more expensive valuation may be justified as WTM's earnings are expected to grow with 13.42% in the coming years.
PEG (NY)0.47
PEG (5Y)1.19
EPS Next 2Y13.61%
EPS Next 3Y13.42%
5. Dividend
5.1 Amount
WTM has a yearly dividend return of 0.05%, which is pretty low.
WTM's Dividend Yield is slightly below the industry average, which is at 3.47.
Compared to an average S&P500 Dividend Yield of 2.36, 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
1.28% of the earnings are spent on dividend by WTM. This is a low number and sustainable payout ratio.
DP1.28%
EPS Next 2Y13.61%
EPS Next 3Y13.42%
1924.67
+9.58 (+0.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners93.9%
Inst Owner Change-1.65%
Ins Owners1.49%
Ins Owner Change0.77%
Market Cap4.89B
Revenue(TTM)2.58B
Net Income(TTM)202.60M
Analysts45
Price TargetN/A
Short Float %3.84%
Short Ratio2.86
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.05% |
Yearly Dividend0.97
Dividend Growth(5Y)-1.78%
DP1.28%
Div Incr Years0
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)88.11%
Min EPS beat(2)-17.06%
Max EPS beat(2)193.28%
EPS beat(4)1
Avg EPS beat(4)23.39%
Min EPS beat(4)-52.36%
Max EPS beat(4)193.28%
EPS beat(8)3
Avg EPS beat(8)34.18%
EPS beat(12)5
Avg EPS beat(12)22.28%
EPS beat(16)8
Avg EPS beat(16)107.94%
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)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-8.78%
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 | 24.11 | ||
| Fwd PE | 16.57 | ||
| P/S | 1.9 | ||
| P/FCF | 10.38 | ||
| P/OCF | 10.38 | ||
| P/B | 1.05 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | N/A |
EPS(TTM)79.84
EY4.15%
EPS(NY)116.15
Fwd EY6.03%
FCF(TTM)185.35
FCFY9.63%
OCF(TTM)185.35
OCFY9.63%
SpS1015.2
BVpS1828.54
TBVpS1511.46
PEG (NY)0.47
PEG (5Y)1.19
Graham Number1812.4
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.71% | ||
| ROE | 4.36% | ||
| ROCE | 4.68% | ||
| ROIC | 4.19% | ||
| ROICexc | 4.28% | ||
| ROICexgc | 5.38% | ||
| OM | 21.31% | ||
| PM (TTM) | 7.86% | ||
| GM | N/A | ||
| FCFM | 18.26% |
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 Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.48 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 8.86 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 232.38% | ||
| 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)-58.45%
EPS 3YN/A
EPS 5Y20.28%
EPS Q2Q%324.81%
EPS Next Y51.52%
EPS Next 2Y13.61%
EPS Next 3Y13.42%
EPS Next 5YN/A
Revenue 1Y (TTM)12.16%
Revenue growth 3Y56.48%
Revenue growth 5Y21.38%
Sales Q2Q%74.3%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-9.98%
EBIT growth 3YN/A
EBIT growth 5Y2.88%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-2%
FCF growth 3Y121.77%
FCF growth 5YN/A
OCF growth 1Y-2%
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 3 / 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.