White Mountains Insurance Group, Ltd., through its subsidiaries, provides insurance services in the United States. More Details
No risks detected for WTM from our risk checks.
Solid track record with adequate balance sheet.
Share Price & News
How has White Mountains Insurance Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: WTM is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: WTM's weekly volatility (4%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: WTM underperformed the US Insurance industry which returned -3.2% over the past year.
Return vs Market: WTM underperformed the US Market which returned 26% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is White Mountains Insurance Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
6 days ago | Simply Wall StDo Fundamentals Have Any Role To Play In Driving White Mountains Insurance Group, Ltd.'s (NYSE:WTM) Stock Up Recently?
1 month ago | Simply Wall StDid You Miss White Mountains Insurance Group's (NYSE:WTM) 33% Share Price Gain?
1 month ago | Simply Wall StIf You Like EPS Growth Then Check Out White Mountains Insurance Group (NYSE:WTM) Before It's Too Late
Is White Mountains Insurance Group undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate WTM's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate WTM's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: WTM is good value based on its PE Ratio (11.4x) compared to the US Insurance industry average (14x).
PE vs Market: WTM is good value based on its PE Ratio (11.4x) compared to the US market (21.3x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate WTM's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: WTM is good value based on its PB Ratio (0.9x) compared to the US Insurance industry average (1x).
How is White Mountains Insurance Group forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Insurance industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as White Mountains Insurance Group has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine whether White Mountains Insurance Group is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- White Mountains Insurance Group competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Insurance industry.
How has White Mountains Insurance Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: WTM has high quality earnings.
Growing Profit Margin: WTM's current net profit margins (33.3%) are higher than last year (29.5%).
Past Earnings Growth Analysis
Earnings Trend: WTM has become profitable over the past 5 years, growing earnings by 29.5% per year.
Accelerating Growth: WTM's earnings growth over the past year (30.1%) exceeds its 5-year average (29.5% per year).
Earnings vs Industry: WTM earnings growth over the past year (30.1%) exceeded the Insurance industry 5.9%.
Return on Equity
High ROE: WTM's Return on Equity (7.2%) is considered low.
How is White Mountains Insurance Group's financial position?
Financial Position Analysis
Short Term Liabilities: WTM's short term assets ($931.1M) exceed its short term liabilities ($228.0M).
Long Term Liabilities: WTM's short term assets ($931.1M) exceed its long term liabilities ($846.2M).
Debt to Equity History and Analysis
Debt Level: WTM's debt to equity ratio (11.1%) is considered satisfactory.
Reducing Debt: WTM's debt to equity ratio has increased from 8.9% to 11.1% over the past 5 years.
Debt Coverage: WTM's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: WTM's interest payments on its debt are well covered by EBIT (14.2x coverage).
What is White Mountains Insurance Group current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: WTM's dividend (0.098%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.38%).
High Dividend: WTM's dividend (0.098%) is low compared to the top 25% of dividend payers in the US market (3.85%).
Stability and Growth of Payments
Stable Dividend: WTM is not paying a notable dividend for the US market, therefore no need to check if payments are stable.
Growing Dividend: WTM is not paying a notable dividend for the US market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: WTM is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of WTM's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
George Rountree (48 yo)
Mr. George Manning Rountree serves as the Chairman of the Board at Build America Mutual Assurance Company since 2020. He serves as a Director at Kudu Investment Management LLC (formerly known as Kudu Inves...
CEO Compensation Analysis
Compensation vs Market: George's total compensation ($USD6.86M) is above average for companies of similar size in the US market ($USD5.01M).
Compensation vs Earnings: George's compensation has been consistent with company performance over the past year.
|CEO & Director||3.83yrs||US$6.86m||0.59% |
|Executive VP & CFO||3.67yrs||US$4.91m||0.52% |
|MD & Chief Accounting Officer||19.58yrs||US$1.78m||0.10% |
|Executive VP & General Counsel||18.33yrs||US$2.96m||0.53% |
|Executive VP & Head of M&A - WM Capital||1.67yrs||US$4.73m||0.12% |
|Chief Administrative Officer & Corporate Secretary||no data||no data||no data|
|Managing Director||no data||no data||no data|
|Head of Tax||no data||US$302.48k||no data|
|Treasurer||19.58yrs||no data||no data|
|CEO of OneBeacon Ltd||15.5yrs||US$6.45m||no data|
Experienced Management: WTM's management team is seasoned and experienced (15.5 years average tenure).
|CEO & Director||3.83yrs||US$6.86m||0.59% |
|Independent Vice Chairman of the Board||0.92yr||US$392.25k||0.038% |
|Independent Director||16.42yrs||US$409.25k||0.092% |
|Independent Director||3.42yrs||US$412.25k||0.030% |
|Independent Non-Executive Chairman||3.83yrs||US$719.15k||0.32% |
|Independent Director||2.92yrs||US$399.80k||0.026% |
|Independent Director||1.83yrs||US$484.89k||0.018% |
Experienced Board: WTM's board of directors are considered experienced (3.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
White Mountains Insurance Group, Ltd.'s company bio, employee growth, exchange listings and data sources
- Name: White Mountains Insurance Group, Ltd.
- Ticker: WTM
- Exchange: NYSE
- Founded: 1980
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Market Cap: US$3.115b
- Shares outstanding: 3.06m
- Website: https://www.whitemountains.com
Number of Employees
- White Mountains Insurance Group, Ltd.
- A.S. Cooper Building
- 26 Reid Street
- HM 11
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|WTM||NYSE (New York Stock Exchange)||Yes||Common Shares||US||USD||Oct 1985|
|WNI||DB (Deutsche Boerse AG)||Yes||Common Shares||DE||EUR||Oct 1985|
White Mountains Insurance Group, Ltd., through its subsidiaries, provides insurance services in the United States. The company operates through four segments: HG Global/BAM, NSM, MediaAlpha, Kudu, and Othe...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/01/26 00:13|
|End of Day Share Price||2021/01/25 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.