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White Mountains Insurance Group, Ltd.
WTM: NYSELowest reading is at 50 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Liam P. Caffrey
Market Cap
5.16 Billion USD
Sector
Financial Services
Website
https://www.whitemountains.comLast Update
15/10/2026, 01:06:51
Description
White Mountains Insurance Group, Ltd.
Read More
Strongest readings
- ✔Financial health is strong (health score 94 out of 100)
- ✔Debt is low at 0.15 times equity
- ✔Share count has been falling at 3.83% per year
- ✔Price-to-earnings of 4.7 is below the market average of 19.6
- ✔Return on capital employed of 11.43% is above the market average of 10.00%
Weakest readings
No reading falls materially below its benchmark.
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 4.74x | 19.60x | |
Margin of safety (DCF) | N/A | 17.95% | ||
| ✔ | Revenue growth (5y average) | 66.76% | 10.97% | |
| ✘ | Dividend yield (TTM) | 0.05% | 1.85% | |
| ✔ | Share count, per year | -3.83% | 0.00% | |
| ✔ | Return on capital employed | 11.43% | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
99 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 4.74x | 19.60x | |
| Free cashflow yield | N/A | 4.70% | ||
| ✔ | Price / earnings growth | 0.01x | 1.50x | |
| Price / book | 0.80x | — | ||
Margin of safety | N/A | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of N/A is below the current price of 2.16 Thousand USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 2629.7 USD ✔
Current Price: 2093.1 USD
How Does This Work?
Show Advanced Options
This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
50 / 100Growing faster than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Revenue growth | 66.76% | 10.97% | |
| ✘ | Earnings growth | -28.29% | 14.48% | |
| Cashflow growth | N/A | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Revenue growth has slowed this year (55.45% against a five year average of 66.76%)
- ✔Earnings growth has improved this year (458.58% against a five year average of -28.29%)
Health
94 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.15x | 0.80x | |
| ✔ | Debt / total capital | 0.13x | 1.00x | |
| Equity / assets | 44.09% | — | ||
| ✔ | Interest coverage | 17.95x | 2.50x | |
| Underwriting loss ratio | 49.64% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
49 / 100Cover is thin on at least one measure.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Dividend yield | 0.05% | 1.85% | |
| ✔ | Dividend growth | 4.00% | 0.00% | |
| ✔ | Payout ratio (earnings) | 0.21% | 40.00% | |
| Payout ratio (cashflow) | N/A | 65.00% | ||
| ✘ | Worst year, last 5 years | -4.03% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Dividend growth has been accelerating recently
Management
87 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Return on equity | 20.39% | 15.00% | |
| ✔ | Return on capital employed | 11.43% | 10.00% | |
| Return on assets | 8.99% | — | ||
| Free cashflow return on capital | N/A | — | ||
| ✔ | Return on capital, 5y change | 4.61% | 0.00% | |
| ✔ | Share count, per year | -3.83% | 0.00% | |
| ✔ | Share count, recent | -5.82% | 0.00% | |
| ✔ | Realized buyback return | 8.89% | 0.00% | |
| ✘ | Goodwill erosion / equity | 7.20% | 2.00% | |
| Price volatility, 5 year | 23.49% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Shares were repurchased while the value score was 99 out of 100
- ✔Dividends were reduced when earnings fell (dividend -3.54% per year, earnings -28.29% per year)
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
WTM
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
White Mountains Insurance Group, Ltd.
Currency
USD
Beta
0.295
Vol Avg
19976
Ceo
Mr. Liam P. Caffrey
Cik
0000776867
Cusip
Exchange
NYSE
Full Time Employees
1648
Industry
Insurance - Property & Casualty
Sector
Financial Services
Ipo Date
Address
A.S. Cooper Building
City
Hamilton
State
Country
Bermuda
Zip
HM 11
Phone
441 278 3160
Analysis Last Updated
15/10/2026, 01:06:51
Financial data compiled from SEC EDGAR filings and Yahoo Finance.