White Mountains Insurance Group, Ltd. WTM
Composite 62/100; the shares have moved about 20% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Income ranks 34/100 — a moderate mark against it.
Valuation ranks 90/100 — a strong point in its favour. Growth ranks 71/100 — a moderate point in its favour. Quality ranks 55/100 — a slight point in its favour.
Income ranks 34/100 — a moderate mark against it. Momentum ranks 46/100 — a slight mark against it.
What the company does White Mountains Insurance Group (WTM) underwrites property and casualty insurance and reinsurance across the US, UK, Bermuda, and internationally. Its segments include Ark/WM Outrigger, HG Global, Kudu, and Distinguished, covering lines such as aviation, cyber, mortgage, marine, energy, and municipal bond guarantees.
Key financials WTM reports strong profitability metrics: ROE 19.7%, ROA 3.3%, and ROCE 16.6%. Margins are healthy with gross at 52.2%, net at 37.0%, and operating at 0.3%. Leverage is conservative (Debt/Equity 0.14), and interest coverage stands at 21.74x.
Stock health Momentum is mixed: 3m -5.01%, 6m 4.82%, 12m 20.22%, and down 7.83% from its 52-week high. RSI(14) at 49.30 suggests neutral technical positioning. Income yield is low at 0.1%, with a payout ratio of 0.2%.
Price vs fair value The stock trades at a **discount of 11.10%** to our fair-value estimate of 2388.98. - Valuation percentile of 78.4/100 indicates strong attractiveness (Sideravia). - Forward P/E of 13.87 vs trailing P/E of 5.43 signals market skepticism on near-term growth (Valuation). - Revenue growth of -10.8% and EPS decline of -36.6% reflect recent underperformance (Key Financials). - Altman Z-score of 1.51 points to elevated bankruptcy risk relative to peers (Key Financials).
Looking forward Forward P/E of 13.87 implies market expectations for a rebound in earnings. However, growth and momentum scores (47.5 and 48.5) remain below average, suggesting uncertainty. Profitability remains robust, supporting valuation support.
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Data as of 2026-09-05, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.