WTM Fundamental Analysis - WHITE MOUNTAINS INSURANCE GP

Fundamental Rating

WTM gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. Both the profitability and financial health of WTM have multiple concerns. WTM is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year WTM was profitable.

In the past year WTM had a positive cash flow from operations.

Of the past 5 years WTM 4 years were profitable.

WTM had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

With a Return On Assets value of 1.71%, WTM perfoms like the industry average, outperforming 47.95% of the companies in the same industry.

WTM's Return On Equity of 4.36% is on the low side compared to the rest of the industry. WTM is outperformed by 76.03% of its industry peers.

WTM has a better Return On Invested Capital (4.19%) than 75.34% 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

The Profit Margin of WTM (7.86%) is comparable to the rest of the industry.

WTM's Profit Margin has declined in the last couple of years.

WTM has a Operating Margin of 21.31%. This is amongst the best in the industry. WTM outperforms 83.56% of its industry peers.

WTM's Operating Margin has declined in the last couple of years.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The debt/assets ratio for WTM has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of WTM is 1.48, which is an excellent value as it means it would take WTM, only 1.48 years of fcf income to pay off all of its debts.

WTM has a Debt to FCF ratio of 1.48. This is comparable to the rest of the industry: WTM outperforms 56.85% of its industry peers.

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 71.23% 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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for WTM have decreased strongly by -58.45% in the last year.

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 grown by 12.16% in the past year. This is quite good.

The Revenue has been growing by 21.38% on average over the past years. This is a very strong growth!

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

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

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 23.06 indicates a rather expensive valuation of WTM.

Compared to the rest of the industry, the Price/Earnings ratio of WTM indicates a slightly more expensive valuation: WTM is more expensive than 70.55% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 27.86. WTM is around the same levels.

With a Price/Forward Earnings ratio of 15.85, WTM is valued correctly.

60.96% 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 23.29.

		Industry Rank	Sector Rank
PE	23.06
Fwd PE	15.85

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	9.93
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)0.45

PEG (5Y)1.14

EPS Next 2Y13.61%

EPS Next 3Y13.42%

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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 3.60, WTM is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.41, 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 paid a dividend for at least 10 years, which is 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 1.28% of its income as dividend. This is a sustainable payout ratio.

DP1.28%

EPS Next 2Y13.61%

EPS Next 3Y13.42%

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WHITE MOUNTAINS INSURANCE GP

NYSE:WTM (10/3/2025, 4:15:00 PM)

1841.34

+176.78 (+10.62%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)08-07 2025-08-07/bmo

Earnings (Next)11-04 2025-11-04

Inst Owners93.9%

Inst Owner Change-7.87%

Ins Owners1.49%

Ins Owner Change0.77%

Market Cap4.68B

Analysts45

Price TargetN/A

Short Float %2.66%

Short Ratio2.28

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-Date03-17 2025-03-17 (1)

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)22.73%

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	23.06
Fwd PE	15.85
P/S	1.81
P/FCF	9.93
P/OCF	9.93
P/B	1.01
P/tB	1.22
EV/EBITDA	N/A

EPS(TTM)79.84

EY4.34%

EPS(NY)116.15

Fwd EY6.31%

FCF(TTM)185.35

FCFY10.07%

OCF(TTM)185.35

OCFY10.07%

SpS1015.2

BVpS1828.54

TBVpS1511.46

PEG (NY)0.45

PEG (5Y)1.14

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

ROICexcg growth 3YN/A

ROICexcg 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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens