White Mountains Insurance Group Ltd. (WTM)

Price$2062.03

Value ScoreC

Growth ScoreC

Momentum ScoreC

Favorite Metrics

Price vs S&P 500 (26W)-6.19%

Price vs S&P 500 (4W)-9.53%

VGM Score54.33

Market Capitalization$5.11B

P/E Ratio (Annual)4.63x

Indicated Dividend Yield (Annual)0.04%

All Metrics

P/CF (Annual)9.29x

Book Value / Share (Quarterly)$2169.65

P/TBV (Annual)1.11x

Indicated Dividend (Annual)$1.00

Revenue Growth (3Y)35.58%

Cash Flow / Share (Quarterly)$250.82

Payout Ratio (TTM)7.67%

Price vs S&P 500 (YTD)-11.57%

Net Profit Margin (TTM)36.79%

EPS (TTM)$411.93

10-Day Avg Trading Volume0.02M

EPS Excl Extra (TTM)$411.93

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)4.92x

Revenue Growth QoQ (YoY)-10.80%

EPS Growth (5Y)13.76%

P/E Normalized (Annual)4.63x

ROA (Last FY)8.97%

Revenue Growth TTM (YoY)23.57%

EBITD / Share (TTM)$522.00

ROE (5Y Avg)10.18%

Operating Margin (TTM)46.42%

Cash Flow / Share (Annual)$222.00

P/B Ratio0.95x

P/B Ratio (Quarterly)1.01x

Net Income / Employee (Annual)$669,700

EV / Revenue (TTM)2.06x

Net Interest Coverage (TTM)17.95x

ROA (TTM)8.37%

EPS Growth QoQ (YoY)-36.66%

EV / EBITDA (TTM)4.44x

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 Return15.60%

EV / Free Cash Flow (Annual)10.56x

P/E Incl Extra (TTM)4.92x

Revenue / Employee (TTM)$1,713,200

Tangible BV / Share (Quarterly)$1848.93

P/S Ratio (Annual)1.77x

Asset Turnover (Annual)0.23x

52-Week High$2333.00

Operating Margin (5Y Avg)9.61%

EPS Excl Extra (Annual)$435.47

Tangible BV CAGR (5Y)4.84%

26-Week Price Return9.74%

Quick Ratio (Annual)0.02x

13-Week Price Return-7.11%

Total Debt / Equity (Annual)0.15x

Current Ratio (Quarterly)0.01x

Enterprise Value$5.81B

Revenue / Share Growth (5Y)24.49%

Asset Turnover (TTM)0.23x

Book Value / Share Growth (5Y)10.94%

Revenue / Employee (Annual)$1,751,000

Pretax Margin (Annual)46.04%

Cash / Share (Annual)$99.14

3-Month Return Std Dev20.05%

Net Income / Employee (TTM)$630,200

EBITDA CAGR (5Y)15.00%

EBITDA Interim CAGR (5Y)19.73%

ROE (Last FY)20.34%

Net Interest Coverage (Annual)16.40x

EPS Basic Excl Extra (Annual)$435.47

P/FCF (TTM)8.23x

EV / Free Cash Flow (TTM)9.36x

Total Debt / Equity (Quarterly)0.16x

EPS Incl Extra (TTM)$411.93

ROI (TTM)17.72%

Dividend Growth Rate (5Y)-0.70%

P/S Ratio (TTM)1.81x

Pretax Margin (5Y Avg)5.63%

Revenue / Share (Annual)$1138.66

Tangible BV / Share (Annual)$1864.19

Forward P/E17.15x

Price vs S&P 500 (52W)-12.61%

P/E Ratio (TTM)4.92x

EPS Growth TTM (YoY)3653.96%

Year-to-Date Return-0.64%

5-Day Price Return-3.82%

EPS Normalized (Annual)$435.47

ROA (5Y Avg)4.83%

Net Profit Margin (Annual)38.24%

Month-to-Date Return-7.49%

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)8.23x

ROI (5Y Avg)8.93%

P/E Excl Extra (TTM)4.92x

LT Debt / Equity (Quarterly)0.16x

EPS Basic Excl Extra (TTM)$411.93

P/TBV (Quarterly)1.19x

Payout Ratio (Annual)0.24%

P/B Ratio (Annual)0.95x

Dividend / Share (TTM)$0.95

Pretax Margin (TTM)43.59%

Book Value / Share (Annual)$2187.94

Price vs S&P 500 (13W)-16.86%

Net Margin Growth (5Y)-8.62%

Dividend Yield (TTM)0.05%

Beta0.30x

P/FCF (Annual)9.29x

Revenue / Share (TTM)$1153.64

ROE (TTM)20.56%

52-Week Low$1648.00

vGradeC

gGradeC

mGradeC

vgmGradeC

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Jan 2026

2.25

Industry Peers — Property & Casualty Insurance(73)

Symbol	Value Score	Growth Score	Momentum Score	Price
WTMWhite Mountains Insurance Group Ltd.	C	C	C	$2062.03
BRK.ABerkshire Hathaway Inc.	F	C	C	$705161.00
BRK.BBERKSHIRE HATHAWAY Class B	F	C	C	$470.29
CBChubb Limited	D	B	C	$309.78
PGRProgressive Corporation	C	B	F	$192.67
TRVThe Travelers Companies, Inc.	C	B	C	$288.93
ALLThe Allstate Corporation	B	B	C	$207.21
AIGAmerican International Group, Inc.	C	D	D	$73.45
HIGThe Hartford Insurance Group, Inc.	C	C	D	$126.57
ACGLArch Capital Group Ltd	C	B	D	$88.74
ACGLNArch Capital Group Ltd. Depositary Shares, each Representing a 1/1,000th Interest in a 4.550% Non-Cumulative Preferred Share, Series G	C	B	D	$16.54

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.