White Mountains Insurance Group, Ltd. (WTM)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 896 | 614 | 1,158 | 2,167 | 2,354 | 2,707 | 2,800 | 4,056 |
| Operating profit | $m | 1,329 | 1,310 | ||||||
| Net profit | $m | 709 | -275 | 793 | 509 | 230 | 1,106 | 1,118 | 342 |
| EPS reported | $ | 430.1 | 439.4 | ||||||
| Operating cashflow per share | $ | -2.82 | 176.5 | ||||||
| Capex per share | $ | 0.00 | 0.00 | ||||||
| FCF per share | $ | -2.82 | 176.5 | ||||||
| Free cash flow | $m | -7 | 425 | ||||||
| Net debt | $m | -2,311 | -858 | ||||||
| Book value equity | $m | 5,425 | 5,388 | ||||||
| Book value per share | $ | 2,124 | 2,238 | ||||||
| Number of shares | m | 2.55 | 2.41 | ||||||
| DPS (TTM paid) | $ | 1.00 | 1.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 4.83 | 4.62 | ||||||
| P/B LTM | x | 0.98 | 0.99 | ||||||
| P/S LTM | x | 1.96 | 1.90 | ||||||
| P/FCF LTM | x | -737.17 | 12.49 | ||||||
| EV/EBITDA LTM | x | 4.23 | 4.21 | ||||||
| EV/Sales LTM | x | 2.20 | 1.84 | ||||||
| Earnings Yield LTM | % | +20.70% | +21.65% | ||||||
| FCF Yield | % | -0.14% | +8.01% | ||||||
| Quality | |||||||||
| ROE | % | +20.39% | +21.95% | ||||||
| ROIC | % | +15.06% | +3.12% | ||||||
| Operating margin | % | +49.08% | +47.50% | ||||||
| Gross margin | % | +53.72% | +61.48% | ||||||
| FCF/Sales | % | -0.27% | +15.18% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +379.05% | +389.38% | ||||||
| Sales Growth YoY | % | +14.99% | +18.94% | ||||||
| Net Income Growth YoY | % | +380.21% | +385.24% | ||||||
| FCF Growth | % | - | -27.57% | ||||||
| Operating Profit Growth | % | +319.55% | +313.74% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +0.05% | +0.05% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | +0.24% | +0.43% | ||||||
| FCF/Debt | x | -0.01 | 0.46 | ||||||
| Net Debt/EBITDA | x | 0.46 | -0.07 | ||||||
| EBIT/Net interest | x | 22.60 | 21.63 | ||||||
| Net debt/market cap | % | +15.77% | 0.00% | ||||||
| Net debt/Equity | x | -0.43 | -0.16 | ||||||
| Gross debt/equity | x | 0.15 | 0.17 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
White Mountains Insurance Group, Ltd. provides insurance services in the United States, the United Kingdom, Bermuda, and internationally. It operates through Ark/WM Outrigger, HG Global, Kudu, Distinguished, and Other Operations segments. The company offers property insurance and reinsurance; specialty insurance and reinsurance consisting of aviation, contingency, cyber, fine art and specie, mortgage, nuclear, political and credit, space, surety, and terrorism and political violence; marine and energy insurance and reinsurance; casualty insurance and reinsurance, such as medical malpractice, and professional and general liability; and accident and health insurance and reinsurance, which includes personal accident, sickness, disability, travel, short-term life, and medical products through brokers, managing general agents (MGA), and reinsurance intermediaries. It also provides municipal bond guarantee reinsurance, which focuses on single risk limits for small-to-medium sized, and public investment grade municipal bonds that are issued to finance public purpose projects, including schools, utilities, and transportation facilities. In addition, the company offers capital solutions for boutique asset and wealth managers for generational ownership transfers, management buyouts, acquisition and growth finance, and legacy partner liquidity; strategic advice; investment management; and specialty electrical contracting services. Further, it operates as a full-service MGA and program administrator for specialty property and casualty insurance for the real estate and hospitality end markets, and start-up programs; and an MGA for leisure travel and global expatriate medical insurance in Israel, the European Union, and Australia. The company was formerly known as Fund American Enterprises Holdings, Inc. and changed its name to White Mountains Insurance Group, Ltd. in 1999. White Mountains Insurance Group, Ltd. was incorporated in 1980 and is headquartered in Hamilton, Bermuda.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
White Mountains Insurance Group, Ltd. (WTM)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
White Mountains Insurance Group, Ltd. provides insurance services in the United States, the United Kingdom, Bermuda, and internationally. It operates through Ark/WM Outrigger, HG Global, Kudu, Distinguished, and Other Operations segments. The company offers property insurance and reinsurance; specialty insurance and reinsurance consisting of aviation, contingency, cyber, fine art and specie, mortgage, nuclear, political and credit, space, surety, and terrorism and political violence; marine and energy insurance and reinsurance; casualty insurance and reinsurance, such as medical malpractice, and professional and general liability; and accident and health insurance and reinsurance, which includes personal accident, sickness, disability, travel, short-term life, and medical products through brokers, managing general agents (MGA), and reinsurance intermediaries. It also provides municipal bond guarantee reinsurance, which focuses on single risk limits for small-to-medium sized, and public investment grade municipal bonds that are issued to finance public purpose projects, including schools, utilities, and transportation facilities. In addition, the company offers capital solutions for boutique asset and wealth managers for generational ownership transfers, management buyouts, acquisition and growth finance, and legacy partner liquidity; strategic advice; investment management; and specialty electrical contracting services. Further, it operates as a full-service MGA and program administrator for specialty property and casualty insurance for the real estate and hospitality end markets, and start-up programs; and an MGA for leisure travel and global expatriate medical insurance in Israel, the European Union, and Australia. The company was formerly known as Fund American Enterprises Holdings, Inc. and changed its name to White Mountains Insurance Group, Ltd. in 1999. White Mountains Insurance Group, Ltd. was incorporated in 1980 and is headquartered in Hamilton, Bermuda.
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