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White Mountains Insurance Group (WTM)
NYSE:WTM
WTM Stock Chart & Stats
$2029.06
$4.66(0.25%)
At close: 4:00 PM EST
$2029.06
$4.66(0.25%)
Day’s Range― - ―
52-Week Range$1,648.00 - $2,264.70
Previous CloseN/A
Volume3.83K
Average Volume (3M)19.77K
Market Cap
$5.46B
Enterprise Value$6.18B
Total Cash (Recent Filing)$184.90M
Total Debt (Recent Filing)$837.00M
Price to Earnings (P/E)4.8
Beta0.20
Next Earnings
May 13, 2026Next Dividend Ex-DateN/A
Dividend Yield0.05%
Share Statistics
EPS (TTM)327.23
Shares Outstanding2,467,055
10 Day Avg. Volume22,997
30 Day Avg. Volume19,775
Financial Highlights & Ratios
PEG Ratio0.01
Price to Book (P/B)0.98
Price to Sales (P/S)1.96
P/FCF Ratio-737.17
Enterprise Value/Market Cap1.13
Enterprise Value/Revenue2.28
Enterprise Value/Gross Profit4.25
Enterprise Value/Ebitda4.39
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)115
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Balance Sheet StrengthLow leverage (debt-to-equity ~0.15) and meaningful equity growth from ~$3.55B (2021) to ~$5.43B (2025) underpin capital flexibility. A conservatively financed balance sheet supports underwriting capacity, acquisitions and solvency through insurance cycles, reducing financing risk over time.
Revenue & Profitability RecoverySustained top-line expansion and a strong 2025 profit rebound reflect improved underwriting results and operational execution. The move to higher margins and sizable net income suggests the business can scale profitably when pricing and loss trends are favorable, supporting longer-term earnings potential.
Strategic Investment In Specialty DistributionThe $125M strategic stake in Bishop Street targets secular growth in MGA/specialty distribution, giving WTM durable access to higher-growth underwriting channels. Combined with recent portfolio monetizations, this deployment diversifies revenue sources and boosts long-term franchise value if execution succeeds.
Bears Say
Weakening Cash GenerationCash conversion weakened materially in 2025 after strong 2022–2024 cash flows. A near-zero to negative operating cash flow and free cash flow introduces funding uncertainty for dividends, buybacks, and acquisitions, and suggests working-capital or claims timing volatility that can persist across quarters.
Earnings VolatilitySignificant year-to-year swings reflect sensitivity to underwriting cycles and catastrophe exposure. This earnings volatility reduces predictability of returns and makes capital planning harder, increasing the risk that future underwriting setbacks could quickly erode reported profitability and ROE.
Shift In Reinsurance/Capital MixA reduced sidecar and greater reliance on traditional quota share reinsurance signal a shift away from alternative capital. That may raise reinsurance costs or constrain flexible third-party capital access, potentially limiting underwriting capacity or elevating capital costs for catastrophe-exposed lines over the medium term.
White Mountains Insurance Group News
WTM FAQ
What was White Mountains Insurance Group’s price range in the past 12 months?
White Mountains Insurance Group lowest stock price was $1648.00 and its highest was $2264.70 in the past 12 months.
What is White Mountains Insurance Group’s market cap?
White Mountains Insurance Group’s market cap is $5.46B.
When is White Mountains Insurance Group’s upcoming earnings report date?
White Mountains Insurance Group’s upcoming earnings report date is May 13, 2026 which is in 69 days.
How were White Mountains Insurance Group’s earnings last quarter?
White Mountains Insurance Group released its earnings results on Feb 06, 2026. The company reported $327.23 earnings per share for the quarter, missing the consensus estimate of $379.454 by -$52.224.
Is White Mountains Insurance Group overvalued?
According to Wall Street analysts White Mountains Insurance Group’s price is currently Overvalued.
Does White Mountains Insurance Group pay dividends?
White Mountains Insurance Group pays a Annually dividend of $1 which represents an annual dividend yield of 0.05%. See more information on White Mountains Insurance Group dividends here
What is White Mountains Insurance Group’s EPS estimate?
White Mountains Insurance Group’s EPS estimate is 13.
How many shares outstanding does White Mountains Insurance Group have?
White Mountains Insurance Group has 2,467,055 shares outstanding.
What happened to White Mountains Insurance Group’s price movement after its last earnings report?
White Mountains Insurance Group reported an EPS of $327.23 in its last earnings report, missing expectations of $379.454. Following the earnings report the stock price went up 2.748%.
Which hedge fund is a major shareholder of White Mountains Insurance Group?
Currently, no hedge funds are holding shares in WTM
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
White Mountains Insurance Group Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
WTM Sentiment 70%
Sector Average 70%
Sector Average 70%
Hedge Fund Trend
Decreased
By 1.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $10.6M over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
7.94%
12-Months-Change
Fundamentals
Return on Equity
2.95%
Trailing 12-Months
Asset Growth
19.10%
Trailing 12-Months
Company Description
White Mountains Insurance Group
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. The Ark segment writes a portfolio of reinsurance and insurance, including property, marine and energy, accident and health, casualty, and specialty products. The NSM segment operates as a managing general agent and program administrator for specialty property and casualty insurance to various sectors comprising specialty transportation, real estate, social services, and pet. The Kudu segment provides capital solutions to boutique asset and wealth managers for generational ownership transfers, management buyouts, acquisitions and growth finances, and legacy partner liquidity, as well as strategic assistance to investees. The Other Operations segment offers insurance solutions to travel industry through broker channel and on a direct-to-consumer basis; and manages separate accounts and pooled investment vehicles for insurance-linked securities sectors, including catastrophe bonds, collateralized reinsurance investments, and industry loss warranties of third-party clients. White Mountains Insurance Group, Ltd. was incorporated in 1980 and is headquartered in Hamilton, Bermuda.
Technical Analysis
Ownership Overview
2.92% Insiders
37.27% Mutual Funds
33.41% Other Institutional Investors
13.15% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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