| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 0/6 |
| Past Performance | 0/6 |
| Financial Health | 2/6 |
| Dividends | 0/6 |
WTM Stock Overview
White Mountains Insurance Group, Ltd., through its subsidiaries, provides insurance and other financial services in the United States.
Risk Analysis
No risks detected for WTM from our risk checks.
White Mountains Insurance Group Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$1,168.04 |
| 52 Week High | US$1,226.35 |
| 52 Week Low | US$978.51 |
| Beta | 0.49 |
| 1 Month Change | 7.21% |
| 3 Month Change | 12.05% |
| 1 Year Change | -2.66% |
| 3 Year Change | 19.78% |
| 5 Year Change | 33.20% |
| Change since IPO | 3,213.59% |
Recent News & Updates
Shareholder Returns
| WTM | US Insurance | US Market | |
|---|---|---|---|
| 7D | 3.4% | 0.7% | 0.5% |
| 1Y | -2.7% | 1.6% | -11.5% |
Return vs Industry: WTM underperformed the US Insurance industry which returned 3.5% over the past year.
Return vs Market: WTM exceeded the US Market which returned -8.1% over the past year.
Price Volatility
| WTM volatility | |
|---|---|
| WTM Average Weekly Movement | 3.8% |
| Insurance Industry Average Movement | 5.1% |
| Market Average Movement | 7.9% |
| 10% most volatile stocks in US Market | 17.0% |
| 10% least volatile stocks in US Market | 3.0% |
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.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1980 | 1,648 | George Rountree | https://www.whitemountains.com |
White Mountains Insurance Group, Ltd., through its subsidiaries, provides insurance and other financial services in the United States. The company operates through five segments: HG Global/BAM, Ark, NSM, Kudu, and Other Operations. The HG Global/BAM segment provides insurance on municipal bonds issued to finance public purposes, such as schools, utilities, and transportation facilities, as well as reinsurance protection services.
White Mountains Insurance Group Fundamentals Summary
| WTM fundamental statistics | |
|---|---|
| Market Cap | US$3.51b |
| Earnings (TTM) | -US$164.40m |
| Revenue (TTM) | US$1.12b |
3.1x
P/S Ratio-20.9x
P/E RatioIs WTM overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| WTM income statement (TTM) | |
|---|---|
| Revenue | US$1.12b |
| Cost of Revenue | US$653.30m |
| Gross Profit | US$462.20m |
| Other Expenses | US$626.60m |
| Earnings | -US$164.40m |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | -55.85 |
| Gross Margin | 41.43% |
| Net Profit Margin | -14.74% |
| Debt/Equity Ratio | 18.9% |
How did WTM perform over the long term?
See historical performance and comparisonDividends
0.08%
Current Dividend Yield-2%
Payout RatioValuation
Is White Mountains Insurance Group undervalued compared to its fair value and its price relative to the market?
Valuation Score
0/6Valuation Score 0/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PEG Ratio
PB vs Industry
0.97x
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: WTM ($1168.04) is trading above our estimate of fair value ($940.76)
Significantly Below Fair Value: WTM is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: WTM is unprofitable, so we can't compare its PE Ratio to the US Insurance industry average.
PE vs Market: WTM is unprofitable, so we can't compare its PE Ratio to the US market.
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's PB Ratio (1x) is in line with the US Insurance industry average.
Future Growth
How is White Mountains Insurance Group forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
9.1%
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.
Past Performance
How has White Mountains Insurance Group performed over the past 5 years?
Past Performance Score
0/6Past Performance Score 0/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
30.6%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: WTM is currently unprofitable.
Growing Profit Margin: WTM is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: WTM is unprofitable, but has reduced losses over the past 5 years at a rate of 30.6% per year.
Accelerating Growth: Unable to compare WTM's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: WTM is unprofitable, making it difficult to compare its past year earnings growth to the Insurance industry (-2.6%).
Return on Equity
High ROE: WTM has a negative Return on Equity (-5.99%), as it is currently unprofitable.
Financial Health
How is White Mountains Insurance Group's financial position?
Financial Health Score
2/6Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
Debt Level
Reducing Debt
Debt Coverage
Interest Coverage
Financial Position Analysis
Short Term Liabilities: WTM's short term assets ($2.0B) exceed its short term liabilities ($1.5B).
Long Term Liabilities: WTM's short term assets ($2.0B) do not cover its long term liabilities ($2.2B).
Debt to Equity History and Analysis
Debt Level: WTM's net debt to equity ratio (3.8%) is considered satisfactory.
Reducing Debt: WTM's debt to equity ratio has increased from 7.4% to 18.9% over the past 5 years.
Debt Coverage: WTM's debt is not well covered by operating cash flow (13%).
Interest Coverage: Insufficient data to determine if WTM's interest payments on its debt are well covered by EBIT.
Balance Sheet
Dividend
What is White Mountains Insurance Group current dividend yield, its reliability and sustainability?
Dividend Score
0/6Dividend Score 0/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
0.085%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: WTM's dividend (0.085%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.51%).
High Dividend: WTM's dividend (0.085%) is low compared to the top 25% of dividend payers in the US market (3.97%).
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.
Earnings Payout to Shareholders
Earnings Coverage: WTM is not paying a notable dividend for the US market.
Cash Payout to Shareholders
Cash Flow Coverage: WTM is not paying a notable dividend for the US market.
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
1.0yrs
Average management tenure
CEO
George Rountree (49 yo)
5.17yrs
Tenure
US$7,185,569
Compensation
Mr. George Manning Rountree serves as the Chairman of the Board at Build America Mutual Assurance Company since 2020. Mr. Rountree has been the Chief Executive Officer of White Mountains Insurance Group, L...
CEO Compensation Analysis
Compensation vs Market: George's total compensation ($USD7.19M) is about average for companies of similar size in the US market ($USD6.88M).
Compensation vs Earnings: George's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: WTM's management team is not considered experienced ( 1 years average tenure), which suggests a new team.
Board Members
Experienced Board: WTM's board of directors are considered experienced (4 years average tenure).
Ownership
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.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
White Mountains Insurance Group, Ltd.'s employee growth, exchange listings and data sources
Key Information
- Name: White Mountains Insurance Group, Ltd.
- Ticker: WTM
- Exchange: NYSE
- Founded: 1980
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Implied Market Cap: US$3.509b
- Shares outstanding: 2.94m
- Website: https://www.whitemountains.com
Number of Employees
Location
- White Mountains Insurance Group, Ltd.
- A.S. Cooper Building
- Suite 601
- Hamilton
- HM 11
- Bermuda
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/05/18 00:00 |
| End of Day Share Price | 2022/05/18 00:00 |
| Earnings | 2022/03/31 |
| Annual Earnings | 2021/12/31 |
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.