White Mountains Insurance Group Ltd.
WTM | NYSE
$2,269.99
+$24.53 (+1.09%)
At close: Oct 30, 2026, 4:00 PM ET
$2,269.01
-$0.98 (-0.04%)
After-hours:
Oct 30, 2026, 6:19 PM ET
Market Data
Market Cap $5.42B
Enterprise Value $4.56B
Beta 0.28
Average Volume 20.11K
Shares Outstanding (Diluted) 2.41M
Shares Change YoY -5.26%
Institutional Ownership 92.47%
Exchange NYSE
ISIN BMG9618E1075
Price Performance
Price Change 1M 13.1%
Price Change 3M 8.2%
Price Change 6M 4.9%
Price Change YTD 9.2%
Price Change 1Y 19.2%
Price Change 3Y 58.7%
Price Change 5Y 115.2%
1M CAGR (ann.) 10.1%
1Y CAGR (ann.) 19.6%
5Y CAGR (ann.) 15.6%
All-Time CAGR 10.7%
Valuation
PE Ratio 5.17
Forward PE 16.32
PEG Ratio 0.01
Forward PEG -0.07
PS Ratio 1.93
Forward PS 0.90
PB Ratio 1.01
P/FCF Ratio 12.75
P/Adj. FCF Ratio 13.04
P/OCF Ratio 12.86
EV/Sales 1.63
EV/EBIT 3.28
EV/EBITDA 3.22
EV/FCF 10.73
Earnings Yield 19.4%
FCF Yield 7.8%
Adj. FCF Yield 7.7%
Financial Health
Net Cash $858.3M
Total Debt $932.5M
Cash & Short-Term Investments $1.79B
Total Assets $13.77B
Current Ratio 0.00
Quick Ratio 0.00
Debt / Equity Ratio 0.17
Debt / EBITDA 0.66
Debt / FCF 2.19
OCF / Debt 0.46
Interest Coverage 21.31
Altman Z-Score 1.46
Piotroski F-Score 5
Margins & Profitability
Gross Profit Margin 65.2%
Operating Profit Margin 46.8%
EBITDA Margin 50.5%
Net Profit Margin 39.9%
FCF Margin 15.2%
Adj. FCF Margin 14.8%
SBC / Revenue 0.3%
SBC Impact (per share) -2.2%
Returns
Return on Assets 8.1%
Return on Equity 21.3%
Return on Invested Capital 8.6%
Return on Capital Employed 9.5%
Return on Tangible Assets 8.9%
Historical Growth (CAGR)
Revenue CAGR 3Y 17.4%
Revenue CAGR 5Y 13.3%
Revenue CAGR 10Y 7.2%
EPS CAGR 3Y 2.8%
EPS CAGR 5Y 11.7%
EPS CAGR 10Y 15.2%
FCF CAGR 3Y -7.9%
FCF CAGR 5Y 13.4%
FCF CAGR 10Y 20.1%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 0
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Nov 5, 2026
EPS Estimate (next Q) $2.50
EPS Growth Est (next Q) -94.3%
Revenue Est (next Q) $934.41M
Revenue Growth Est (next Q) 8.1%
Fair Value Estimates
Graham Number $5,066.92
Graham Upside 123.2%
Lynch Fair Value $5,119.13
Lynch Upside 125.5%
Price Target $0.00
Price Target Upside N/A
Cash Flow
Operating Cash Flow $425M
Free Cash Flow $425M
Adj. Free Cash Flow $415.5M
FCF Per Share $176.52
OCF Per Share $176.52
OCF/S Ratio 15.2%
Income Statement
Revenue $2.8B
Gross Profit $1.83B
Operating Income $1.31B
EBITDA $1.41B
Net Income $1.12B
EPS (Diluted) $439.41
Revenue / Employee $1.7M
Profit / Employee $678.4K
Employees 1,648
Dividends
Annual Dividend $1.00
Dividend Yield 0.04%
Payout Ratio 0.2%
FCF Payout Ratio 1.1%
Adj. FCF Payout Ratio 1.2%
Dividend Growth (YoY) 0.0%
Pay Frequency Annual
Ex-Dividend Date Mar 16, 2026
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