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White Mountains Insurance Group (WTM)
NYSE: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 Q2 2025 was $0.13. For the 2025 fiscal year, WTM's free cash flow was decreased by $ and operating cash flow was $0.28. 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
0.04 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
$ -5.08B$ -3.70B$ -2.79B$ -1.61B$ -572.40M
Leverage Ratios
Debt-to-Assets Ratio
0.10 0.07 0.08 0.10 0.08
Debt-to-Equity Ratio
0.15 0.13 0.15 0.20 0.10
Debt-to-Capital Ratio
0.13 0.12 0.13 0.16 0.09
Long-Term Debt-to-Capital Ratio
0.13 0.12 0.13 0.11 0.07
Financial Leverage Ratio
1.46 1.98 1.97 1.97 1.24
Debt Service Coverage Ratio
5.66 9.98 -3.61 -1.03 6.32
Interest Coverage Ratio
4.76 9.02 21.70 -9.44 20.98
Debt to Market Cap
0.15 0.15 0.14 0.21 0.12
Interest Debt Per Share
299.76 244.66 217.78 242.17 131.73
Net Debt to EBITDA
1.27 0.72 -3.08 -1.87 0.23
Profitability Margins
Gross Profit Margin
68.37%98.14%91.48%92.67%99.04%
EBIT Margin
48.38%28.99%-9.42%-26.79%56.56%
EBITDA Margin
48.50%28.17%-8.97%-24.61%60.24%
Operating Profit Margin
37.14%26.09%75.52%-43.76%52.42%
Pretax Profit Margin
42.65%26.09%-12.90%-31.96%54.65%
Net Profit Margin
23.35%23.17%-16.48%-36.05%60.02%
Continuous Operations Profit Margin
38.26%26.81%-16.48%-33.66%57.19%
Net Income Per EBT
54.75%88.79%127.71%112.78%109.84%
EBT Per EBIT
114.83%100.00%-17.08%73.05%104.25%
Return on Assets (ROA)
2.97%5.99%-2.58%-4.87%14.67%
Return on Equity (ROE)
4.41%11.84%-5.09%-9.60%18.14%
Return on Capital Employed (ROCE)
4.72%6.80%12.25%-6.64%14.19%
Return on Invested Capital (ROIC)
63.11%10.68%30.09%-10.63%21.35%
Return on Tangible Assets
3.10%6.26%-2.73%-5.74%17.50%
Earnings Yield
4.29%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
0.13 0.26 0.16 0.13 0.24
Working Capital Turnover Ratio
-5.58 -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
185.25 157.61 115.46 12.69 -19.67
Free Cash Flow Per Share
185.25 157.61 115.46 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
181.08 155.42 108.77 0.35 -0.83
Capital Expenditure Coverage Ratio
0.00 0.00 0.00 0.36 -0.87
Operating Cash Flow Coverage Ratio
0.68 0.72 0.57 0.06 -0.16
Operating Cash Flow to Sales Ratio
0.55 0.19 0.28 0.04 -0.05
Free Cash Flow Yield
9.91%10.47%8.16%4.70%0.30%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
23.30 7.69 -20.95 -9.06 4.35
Price-to-Sales (P/S) Ratio
5.51 1.78 3.45 3.27 2.61
Price-to-Book (P/B) Ratio
1.01 0.91 1.07 0.87 0.79
Price-to-Free Cash Flow (P/FCF) Ratio
10.09 9.55 12.25 21.27 331.55
Price-to-Operating Cash Flow Ratio
9.96 9.55 12.25 79.92 -50.88
Price-to-Earnings Growth (PEG) Ratio
0.04 -0.27 0.53 0.06 0.06
Price-to-Fair Value
1.01 0.91 1.07 0.87 0.79
Enterprise Value Multiple
12.64 7.05 -41.55 -15.13 4.57
Enterprise Value
5.28B 4.30B 4.32B 3.52B 3.25B
EV to EBITDA
12.64 7.05 -41.55 -15.13 4.57
EV to Sales
6.13 1.99 3.73 3.72 2.75
EV to Free Cash Flow
11.22 10.64 13.23 24.27 349.32
EV to Operating Cash Flow
11.22 10.64 13.23 91.15 -53.61
Tangible Book Value Per Share
287.20 1.63K 1.19K 1.06K 814.56
Shareholders’ Equity Per Share
1.83K 1.65K 1.33K 1.17K 1.27K
Tax and Other Ratios
Effective Tax Rate
0.10 -0.03 -0.28 -0.13 -0.03
Revenue Per Share
339.26 845.06 409.70 310.53 383.17
Net Income Per Share
79.21 195.79 -67.51 -111.95 229.99
Tax Burden
0.55 0.89 1.28 1.13 1.10
Interest Burden
0.88 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
0.35 0.20 0.32 0.51 0.33
Stock-Based Compensation to Revenue
-0.10 <0.01 0.01 0.02 0.01
Income Quality
1.97 0.79 0.46 -0.12 -0.09
Currency in USD
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