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White Mountains Insurance (WTM)
:WTM
US Market
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White Mountains Insurance Group (WTM) Ratios

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White Mountains Insurance Group Ratios

WTM's free cash flow for Q3 2025 was $0.47. For the 2025 fiscal year, WTM's free cash flow was decreased by $ and operating cash flow was $0.00. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.00 1.82 2.63 2.16 0.94
Quick Ratio
0.00 1.82 2.63 3.50 3.55
Cash Ratio
0.00 1.83 1.02 0.33 0.45
Solvency Ratio
<0.01 0.13 -0.05 -0.10 0.74
Operating Cash Flow Ratio
0.00 6.03 1.30 0.05 -0.13
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 0.18 -0.70
Net Current Asset Value
$ -4.71B$ -3.70B$ -2.79B$ -1.61B$ -572.40M
Leverage Ratios
Debt-to-Assets Ratio
0.00 0.07 0.08 0.10 0.08
Debt-to-Equity Ratio
0.00 0.13 0.15 0.20 0.10
Debt-to-Capital Ratio
0.00 0.12 0.13 0.16 0.09
Long-Term Debt-to-Capital Ratio
0.00 0.12 0.13 0.11 0.07
Financial Leverage Ratio
4.07 1.98 1.97 1.97 1.24
Debt Service Coverage Ratio
2.20 9.98 -3.61 -1.03 6.32
Interest Coverage Ratio
3.51 9.02 21.70 -9.44 20.98
Debt to Market Cap
0.00 0.15 0.14 0.21 0.12
Interest Debt Per Share
20.20 244.66 217.78 242.17 131.73
Net Debt to EBITDA
-2.08 0.72 -3.08 -1.87 0.23
Profitability Margins
Gross Profit Margin
60.44%98.14%91.48%92.67%99.04%
EBIT Margin
19.87%28.99%-9.42%-26.79%56.56%
EBITDA Margin
17.24%28.17%-8.97%-24.61%60.24%
Operating Profit Margin
22.31%26.09%75.52%-43.76%52.42%
Pretax Profit Margin
15.83%26.09%-12.90%-31.96%54.65%
Net Profit Margin
3.06%23.17%-16.48%-36.05%60.02%
Continuous Operations Profit Margin
12.59%26.81%-16.48%-33.66%57.19%
Net Income Per EBT
19.34%88.79%127.71%112.78%109.84%
EBT Per EBIT
70.95%100.00%-17.08%73.05%104.25%
Return on Assets (ROA)
0.37%5.99%-2.58%-4.87%14.67%
Return on Equity (ROE)
0.65%11.84%-5.09%-9.60%18.14%
Return on Capital Employed (ROCE)
2.73%6.80%12.25%-6.64%14.19%
Return on Invested Capital (ROIC)
24.69%10.68%30.09%-10.63%21.35%
Return on Tangible Assets
0.39%6.26%-2.73%-5.74%17.50%
Earnings Yield
0.51%13.01%-4.77%-11.04%22.98%
Efficiency Ratios
Receivables Turnover
0.00 0.00 0.00 5.99 0.00
Payables Turnover
0.00 0.50 0.39 0.16 0.10
Inventory Turnover
0.00 0.00 0.00 -0.07 >-0.01
Fixed Asset Turnover
0.00 106.73 45.95 33.62 31.40
Asset Turnover
0.12 0.26 0.16 0.13 0.24
Working Capital Turnover Ratio
3.58 -47.57 1.76 2.16 7.68
Cash Conversion Cycle
0.00 -732.71 -929.53 -7.68K -43.44K
Days of Sales Outstanding
0.00 0.00 0.00 60.88 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 -5.51K -39.78K
Days of Payables Outstanding
0.00 732.71 929.53 2.23K 3.66K
Operating Cycle
0.00 0.00 0.00 -5.45K -39.78K
Cash Flow Ratios
Operating Cash Flow Per Share
219.87 157.61 115.46 12.69 -19.67
Free Cash Flow Per Share
219.87 157.61 115.46 47.66 3.02
CapEx Per Share
0.00 0.00 0.00 34.97 22.68
Free Cash Flow to Operating Cash Flow
1.00 1.00 1.00 3.76 -0.15
Dividend Paid and CapEx Coverage Ratio
215.65 155.42 108.77 0.35 -0.83
Capital Expenditure Coverage Ratio
0.00 0.00 0.00 0.36 -0.87
Operating Cash Flow Coverage Ratio
0.00 0.72 0.57 0.06 -0.16
Operating Cash Flow to Sales Ratio
0.69 0.19 0.28 0.04 -0.05
Free Cash Flow Yield
11.56%10.47%8.16%4.70%0.30%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
195.37 7.69 -20.95 -9.06 4.35
Price-to-Sales (P/S) Ratio
5.99 1.78 3.45 3.27 2.61
Price-to-Book (P/B) Ratio
2.98 0.91 1.07 0.87 0.79
Price-to-Free Cash Flow (P/FCF) Ratio
8.65 9.55 12.25 21.27 331.55
Price-to-Operating Cash Flow Ratio
8.64 9.55 12.25 79.92 -50.88
Price-to-Earnings Growth (PEG) Ratio
-2.26 -0.27 0.53 0.06 0.06
Price-to-Fair Value
2.98 0.91 1.07 0.87 0.79
Enterprise Value Multiple
32.67 7.05 -41.55 -15.13 4.57
Enterprise Value
4.56B 4.30B 4.32B 3.52B 3.25B
EV to EBITDA
32.67 7.05 -41.55 -15.13 4.57
EV to Sales
5.63 1.99 3.73 3.72 2.75
EV to Free Cash Flow
8.13 10.64 13.23 24.27 349.32
EV to Operating Cash Flow
8.13 10.64 13.23 91.15 -53.61
Tangible Book Value Per Share
638.59 1.63K 1.19K 1.06K 814.56
Shareholders’ Equity Per Share
638.59 1.65K 1.33K 1.17K 1.27K
Tax and Other Ratios
Effective Tax Rate
0.20 -0.03 -0.28 -0.13 -0.03
Revenue Per Share
317.59 845.06 409.70 310.53 383.17
Net Income Per Share
9.72 195.79 -67.51 -111.95 229.99
Tax Burden
0.19 0.89 1.28 1.13 1.10
Interest Burden
0.80 0.90 1.37 1.19 0.97
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.42 0.20 0.32 0.51 0.33
Stock-Based Compensation to Revenue
>-0.01 <0.01 0.01 0.02 0.01
Income Quality
2.53 0.79 0.46 -0.12 -0.09
Currency in USD
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