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White Mountains Insurance Group, Ltd. WTM

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2,286.53 USD -30.89 (-1.33%)

At closeNov 3, 2026, 4:00 PM EST

2,289.00 +2.47 +0.11%

After hours · Nov 3, 4:00 PM ET

2,275.28 Day range 2,349.36
1,870.00 52-week range 2,349.36
YTD
+10.03%
1 year
+20.35%

Financial health

Altman Z-Score

1.46 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 1
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 4
  • P/B 4

Valuation

P/E 4.8×
FY 2016: 10.2×FY 2017: 5.8×FY 2018: -20.5×FY 2019: 8.6×FY 2020: 4.4×FY 2021: -11.3×FY 2022: 5.1×FY 2023: 7.6×FY 2024: 21.7×FY 2025: 4.8×
FY 2016 5y median 5.1× FY 2025
P/S 2.0×
FY 2016: 26.6×FY 2017: 9.7×FY 2018: 7.8×FY 2019: 3.9×FY 2020: 3.4×FY 2021: 5.0×FY 2022: 3.5×FY 2023: 1.8×FY 2024: 2.1×FY 2025: 2.0×
FY 2016 5y median 2.1× FY 2025
P/B 1.0×
FY 2016: 1.2×FY 2017: 1.0×FY 2018: 1.0×FY 2019: 1.1×FY 2020: 0.8×FY 2021: 0.9×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 1.1×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF -737×
FY 2016: -31.1×FY 2017: 27.1×FY 2018: -92.2×FY 2019: -29.1×FY 2020: -241×FY 2021: 31.4×FY 2022: 9.2×FY 2023: 9.4×FY 2024: 8.4×FY 2025: -737×
FY 2016 5y median 9.2× FY 2025
EV/EBITDA 4.2×
FY 2016: -33.3×FY 2017: 109×FY 2018: -20.6×FY 2019: 8.0×FY 2020: 4.8×FY 2021: -15.4×FY 2022: -41.2×FY 2023: 7.0×FY 2024: 14.1×FY 2025: 4.2×
FY 2016 5y median 4.2× FY 2025
EV/Sales 2.2×
FY 2016: 26.2×FY 2017: 9.5×FY 2018: 8.0×FY 2019: 4.1×FY 2020: 3.6×FY 2021: 5.8×FY 2022: 3.7×FY 2023: 2.0×FY 2024: 2.2×FY 2025: 2.2×
FY 2016 5y median 2.2× FY 2025
FCF Yield -0.1%
FY 2016: -3.2%FY 2017: 3.7%FY 2018: -1.1%FY 2019: -3.4%FY 2020: -0.4%FY 2021: 3.2%FY 2022: 10.9%FY 2023: 10.6%FY 2024: 11.9%FY 2025: -0.1%
FY 2016 5y median 10.6% FY 2025

Profitability

Gross Margin 53.7%
FY 2016: 91.4%FY 2017: 98.6%FY 2018: 90.9%FY 2019: 92.1%FY 2020: 90.8%FY 2021: 5.4%FY 2022: 32.0%FY 2023: 53.1%FY 2024: 45.6%FY 2025: 53.7%
FY 2016 5y median 45.6% FY 2025
Operating Margin 49.1%
FY 2016: -93.4%FY 2017: 2.1%FY 2018: -48.3%FY 2019: 45.3%FY 2020: 73.7%FY 2021: -44.5%FY 2022: -12.9%FY 2023: 26.1%FY 2024: 13.5%FY 2025: 49.1%
FY 2016 5y median 13.5% FY 2025
Net Margin 40.9%
FY 2016: 254.8%FY 2017: 167.8%FY 2018: -38.3%FY 2019: 46.4%FY 2020: 79.1%FY 2021: -44.8%FY 2022: 68.5%FY 2023: 23.5%FY 2024: 9.8%FY 2025: 40.9%
FY 2016 5y median 23.5% FY 2025
ROE 20.4%
FY 2016: 11.2%FY 2017: 18.0%FY 2018: -5.0%FY 2019: 12.7%FY 2020: 18.1%FY 2021: -7.8%FY 2022: 21.2%FY 2023: 12.0%FY 2024: 5.1%FY 2025: 20.4%
FY 2016 5y median 12.0% FY 2025
ROIC 15.1%
FY 2016: -28.7%FY 2017: 2.5%FY 2018: -6.4%FY 2019: 138.7%FY 2020: 765.2%FY 2021: -3.8%FY 2022: -2.0%FY 2023: 6.7%FY 2024: 9.1%FY 2025: 15.1%
FY 2016 5y median 6.7% FY 2025
ROA 9.0%
FY 2016: 6.2%FY 2017: 17.1%FY 2018: -4.2%FY 2019: 10.4%FY 2020: 14.7%FY 2021: -3.9%FY 2022: 10.7%FY 2023: 6.1%FY 2024: 2.3%FY 2025: 9.0%
FY 2016 5y median 6.1% FY 2025

Growth (YoY)

Revenue 15.0%
FY 2016: -64.2%FY 2017: 137.0%FY 2018: -1.3%FY 2019: 142.0%FY 2020: 0.2%FY 2021: -31.4%FY 2022: 88.5%FY 2023: 87.1%FY 2024: 8.7%FY 2025: 15.0%
FY 2016 FY 2025
Operating Income 319.5%
FY 2016: -214.0%FY 2017: 105.3%FY 2018: -2384.6%FY 2019: 327.3%FY 2020: 63.0%FY 2021: -141.4%FY 2022: 45.4%FY 2023: 478.4%FY 2024: -44.0%FY 2025: 319.5%
FY 2016 FY 2025
EPS (diluted) 379.1%
FY 2016: 62.4%FY 2017: 77.7%FY 2018: -128.6%FY 2019: 411.9%FY 2020: 74.8%FY 2021: -139.3%FY 2022: 409.6%FY 2023: -28.3%FY 2024: -54.8%FY 2025: 379.1%
FY 2016 FY 2025
Free Cash Flow -101.2%
FY 2016: -174.0%FY 2017: 198.6%FY 2018: -123.4%FY 2019: -287.5%FY 2020: 89.4%FY 2021: 867.2%FY 2022: 342.0%FY 2023: -6.9%FY 2024: 45.2%FY 2025: -101.2%
FY 2016 FY 2025

Financial Health

Current Ratio 1.1×
FY 2016: 3.0×FY 2017: 10.3×FY 2018: 0.5×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 12.8×FY 2025: 1.1×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 1.1×
FY 2016: 3.0×FY 2017: 10.3×FY 2018: 0.5×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 12.8×FY 2025: 1.1×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 0.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA 0.5×
FY 2016: 0.5×FY 2017: -2.3×FY 2018: -0.6×FY 2019: 0.3×FY 2020: 0.2×FY 2021: -2.1×FY 2022: -3.1×FY 2023: 0.7×FY 2024: 0.8×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025
Interest Coverage 22.6×
FY 2016: -49.1×FY 2017: 3.4×FY 2018: -18.8×FY 2019: 23.0×FY 2020: 89.2×FY 2021: -13.3×FY 2022: -3.7×FY 2023: 9.0×FY 2024: 5.2×FY 2025: 22.6×
FY 2016 5y median 5.2× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.1%FY 2017: 0.1%FY 2018: 0.1%FY 2019: 0.1%FY 2020: 0.1%FY 2021: 0.1%FY 2022: 0.1%FY 2023: 0.1%FY 2024: 0.1%FY 2025: 0.0%
FY 2016 5y median 0.1% FY 2025
Payout Ratio 0.2%
FY 2016: 1.3%FY 2017: 0.7%FY 2018: -2.7%FY 2019: 0.8%FY 2020: 0.5%FY 2021: -1.1%FY 2022: 0.4%FY 2023: 0.5%FY 2024: 1.1%FY 2025: 0.2%
FY 2016 5y median 0.4% FY 2025

Annual · latest fiscal year ends 2025-12-31