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White Mountains Insurance Group Ltd. (WTM)
Price$2294.72
Favorite Metrics
Price vs S&P 500 (26W)16.86%
Price vs S&P 500 (4W)-0.95%
Market Capitalization$5.64B
P/E Ratio (Annual)5.11x
Indicated Dividend Yield (Annual)0.04%
All Metrics
P/CF (Annual)10.25x
Book Value / Share (Quarterly)$2187.94
P/TBV (Annual)1.11x
Indicated Dividend (Annual)$1.00
Revenue Growth (3Y)35.58%
Cash Flow / Share (Quarterly)$222.00
Payout Ratio (TTM)7.67%
Price vs S&P 500 (YTD)7.63%
Net Profit Margin (TTM)38.24%
EPS (TTM)$437.98
10-Day Avg Trading Volume0.02M
EPS Excl Extra (TTM)$437.98
Revenue Growth (5Y)19.57%
EPS (Annual)$435.47
Dividend / Share (Annual)$1.03
ROI (Annual)17.62%
Net Profit Margin (5Y Avg)19.04%
Cash / Share (Quarterly)$63.58
P/E Basic Excl Extra (TTM)5.11x
Revenue Growth QoQ (YoY)110.75%
EPS Growth (5Y)13.76%
P/E Normalized (Annual)5.11x
ROA (Last FY)8.97%
Revenue Growth TTM (YoY)22.57%
EBITD / Share (TTM)$555.22
ROE (5Y Avg)10.18%
Operating Margin (TTM)48.76%
Cash Flow / Share (Annual)$222.00
P/B Ratio1.04x
P/B Ratio (Quarterly)0.95x
Net Income / Employee (Annual)$1
EV / Revenue (TTM)2.18x
Net Interest Coverage (TTM)17.95x
ROA (TTM)9.30%
EPS Growth QoQ (YoY)-36.66%
EV / EBITDA (TTM)4.48x
EPS Incl Extra (Annual)$435.47
Current Ratio (Annual)0.02x
Quick Ratio (Quarterly)0.01x
3-Month Avg Trading Volume0.02M
52-Week Price Return29.67%
EV / Free Cash Flow (Annual)11.44x
P/E Incl Extra (TTM)5.11x
Revenue / Employee (TTM)$2
Tangible BV / Share (Quarterly)$1864.19
P/S Ratio (Annual)1.96x
Asset Turnover (Annual)0.23x
52-Week High$2325.78
Operating Margin (5Y Avg)9.61%
EPS Excl Extra (Annual)$435.47
Tangible BV CAGR (5Y)4.84%
26-Week Price Return20.84%
Quick Ratio (Annual)0.02x
13-Week Price Return11.19%
Total Debt / Equity (Annual)0.15x
Current Ratio (Quarterly)0.01x
Enterprise Value$6,297.922
Revenue / Share Growth (5Y)24.49%
Asset Turnover (TTM)0.24x
Book Value / Share Growth (5Y)10.94%
Revenue / Employee (Annual)$2
Pretax Margin (Annual)46.04%
Cash / Share (Annual)$99.14
3-Month Return Std Dev20.78%
Net Income / Employee (TTM)$1
EBITDA CAGR (5Y)15.00%
EBITDA Interim CAGR (5Y)19.73%
ROE (Last FY)20.34%
Net Interest Coverage (Annual)17.95x
EPS Basic Excl Extra (Annual)$435.47
P/FCF (TTM)9.56x
EV / Free Cash Flow (TTM)11.44x
Total Debt / Equity (Quarterly)0.15x
EPS Incl Extra (TTM)$437.98
ROI (TTM)19.68%
Dividend Growth Rate (5Y)-0.70%
P/S Ratio (TTM)1.96x
Pretax Margin (5Y Avg)5.63%
Revenue / Share (Annual)$1138.66
Tangible BV / Share (Annual)$1864.19
Forward P/E20.01x
Price vs S&P 500 (52W)-0.16%
P/E Ratio (TTM)5.11x
EPS Growth TTM (YoY)381.14%
Year-to-Date Return10.27%
5-Day Price Return-0.80%
EPS Normalized (Annual)$435.47
ROA (5Y Avg)4.83%
Net Profit Margin (Annual)38.24%
Month-to-Date Return4.30%
Cash Flow / Share (TTM)$23.24
EBITD / Share (Annual)$555.22
EPS Growth (3Y)15.79%
Operating Margin (Annual)48.76%
LT Debt / Equity (Annual)0.15x
P/CF (TTM)10.25x
ROI (5Y Avg)8.93%
P/E Excl Extra (TTM)5.11x
LT Debt / Equity (Quarterly)0.15x
EPS Basic Excl Extra (TTM)$437.98
P/TBV (Quarterly)1.11x
Payout Ratio (Annual)0.24%
P/B Ratio (Annual)0.95x
Dividend / Share (TTM)$1.03
Pretax Margin (TTM)46.04%
Book Value / Share (Annual)$2187.94
Price vs S&P 500 (13W)10.50%
Net Margin Growth (5Y)-8.62%
Dividend Yield (TTM)0.05%
Beta0.36x
P/FCF (Annual)10.25x
Revenue / Share (TTM)$1148.45
ROE (TTM)22.82%
52-Week Low$1648.00
Analyst Recommendations
Oct 2025
Nov 2025
Dec 2025
Jan 2026
2.25
2.25
2.25
2.25
Industry Peers — Property & Casualty Insurance(68)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | Indicated Dividend Yield (Annual) | Operating Margin (TTM) | Price |
|---|---|---|---|---|---|
WTMWhite Mountains Insurance Group Ltd. | 0.95x | 22.82% | 0.04% | 48.76% | $2294.72 |
BRK.BBERKSHIRE HATHAWAY Class B | 1.51x | 9.78% | — | 12.04% | $475.12 |
BRK.ABerkshire Hathaway Inc. | 1.51x | 9.78% | — | 12.04% | $712700.00 |
CBChubb Limited | 1.67x | 14.69% | 1.19% | 22.32% | $328.42 |
PGRProgressive Corporation | 4.40x | 35.52% | 0.20% | 16.55% | $203.47 |
TRVThe Travelers Companies, Inc. | 1.97x | 20.58% | 1.47% | 16.84% | $298.84 |
ALLThe Allstate Corporation | 1.78x | 39.47% | 1.98% | 19.44% | $213.87 |
AIGAmerican International Group, Inc. | 1.12x | 7.50% | 2.33% | 15.97% | $78.22 |
HIGThe Hartford Insurance Group, Inc. | 2.02x | 21.37% | 1.73% | 17.34% | $138.28 |
ACGLNArch Capital Group Ltd. Depositary Shares, each Representing a 1/1,000th Interest in a 4.550% Non-Cumulative Preferred Share, Series G | 1.44x | 19.02% | — | 23.57% | $17.27 |
ACGLArch Capital Group Ltd | 1.44x | 19.02% | — | 23.57% | $97.10 |
About
White Mountains Insurance Group acquires and operates insurance and financial services businesses, targeting opportunistic entries and disciplined exits when valuations become attractive. The company's diversified portfolio spans property and casualty insurance, reinsurance, municipal bond reinsurance, capital solutions for asset managers, and insurance distribution through subsidiaries including Ark/WM Outrigger, HG Global, Kudu, and Distinguished. This multi-segment approach enables returns across distinct insurance and financial services markets.