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White Mountains Insurance (WTM)
:WTM
US Market

White Mountains Insurance Group (WTM) Ratios

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White Mountains Insurance Group Ratios

WTM's free cash flow for Q1 2025 was $-1.37. For the 2025 fiscal year, WTM's free cash flow was decreased by $ and operating cash flow was $9.65. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
2.63 1.82 2.63 2.16 0.94
Quick Ratio
2.63 1.82 2.63 3.50 3.55
Cash Ratio
1.02 1.83 1.02 0.33 0.45
Solvency Ratio
-0.05 0.13 -0.05 -0.10 0.74
Operating Cash Flow Ratio
1.30 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
$ -2.79B$ -3.70B$ -2.79B$ -1.61B$ -572.40M
Leverage Ratios
Debt-to-Assets Ratio
0.08 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
1.97 1.98 1.97 1.97 1.24
Debt Service Coverage Ratio
-3.61 9.98 -3.61 -1.03 6.32
Interest Coverage Ratio
21.70 9.02 21.70 -9.44 20.98
Debt to Market Cap
0.14 0.15 0.14 0.21 0.12
Interest Debt Per Share
217.78 244.66 217.78 242.17 131.73
Net Debt to EBITDA
-3.08 0.72 -3.08 -1.87 0.23
Profitability Margins
Gross Profit Margin
91.48%98.14%91.48%92.67%99.04%
EBIT Margin
-9.42%28.99%-9.42%-26.79%56.56%
EBITDA Margin
-8.97%28.17%-8.97%-24.61%60.24%
Operating Profit Margin
75.52%26.09%75.52%-43.76%52.42%
Pretax Profit Margin
-12.90%26.09%-12.90%-31.96%54.65%
Net Profit Margin
-16.48%23.17%-16.48%-36.05%60.02%
Continuous Operations Profit Margin
-16.48%26.81%-16.48%-33.66%57.19%
Net Income Per EBT
127.71%88.79%127.71%112.78%109.84%
EBT Per EBIT
-17.08%100.00%-17.08%73.05%104.25%
Return on Assets (ROA)
-2.58%5.99%-2.58%-4.87%14.67%
Return on Equity (ROE)
-5.09%11.84%-5.09%-9.60%18.14%
Return on Capital Employed (ROCE)
12.25%6.80%12.25%-6.64%14.19%
Return on Invested Capital (ROIC)
30.09%10.68%30.09%-10.63%21.35%
Return on Tangible Assets
-2.73%6.26%-2.73%-5.74%17.50%
Earnings Yield
-4.77%13.01%-4.77%-11.04%22.98%
Efficiency Ratios
Receivables Turnover
0.00 0.00 0.00 5.99 0.00
Payables Turnover
0.39 0.50 0.39 0.16 0.10
Inventory Turnover
0.00 0.00 0.00 -0.07 >-0.01
Fixed Asset Turnover
45.95 106.73 45.95 33.62 31.40
Asset Turnover
0.16 0.26 0.16 0.13 0.24
Working Capital Turnover Ratio
1.76 -47.57 1.76 2.16 7.68
Cash Conversion Cycle
-929.53 -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
929.53 732.71 929.53 2.23K 3.66K
Operating Cycle
0.00 0.00 0.00 -5.45K -39.78K
Cash Flow Ratios
Operating Cash Flow Per Share
115.46 157.61 115.46 12.69 -19.67
Free Cash Flow Per Share
115.46 157.61 115.46 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
108.77 155.42 108.77 0.35 -0.83
Capital Expenditure Coverage Ratio
0.00 0.00 0.00 0.36 -0.87
Operating Cash Flow Coverage Ratio
0.57 0.72 0.57 0.06 -0.16
Operating Cash Flow to Sales Ratio
0.28 0.19 0.28 0.04 -0.05
Free Cash Flow Yield
8.16%10.47%8.16%4.70%0.30%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
-20.95 7.69 -20.95 -9.06 4.35
Price-to-Sales (P/S) Ratio
3.45 1.78 3.45 3.27 2.61
Price-to-Book (P/B) Ratio
1.07 0.91 1.07 0.87 0.79
Price-to-Free Cash Flow (P/FCF) Ratio
12.25 9.55 12.25 21.27 331.55
Price-to-Operating Cash Flow Ratio
12.25 9.55 12.25 79.92 -50.88
Price-to-Earnings Growth (PEG) Ratio
0.53 -0.27 0.53 0.06 0.06
Price-to-Fair Value
1.07 0.91 1.07 0.87 0.79
Enterprise Value Multiple
-41.55 7.05 -41.55 -15.13 4.57
Enterprise Value
4.32B 4.30B 4.32B 3.52B 3.25B
EV to EBITDA
-41.55 7.05 -41.55 -15.13 4.57
EV to Sales
3.73 1.99 3.73 3.72 2.75
EV to Free Cash Flow
13.23 10.64 13.23 24.27 349.32
EV to Operating Cash Flow
13.23 10.64 13.23 91.15 -53.61
Tangible Book Value Per Share
1.19K 1.63K 1.19K 1.06K 814.56
Shareholders’ Equity Per Share
1.33K 1.65K 1.33K 1.17K 1.27K
Tax and Other Ratios
Effective Tax Rate
-0.28 -0.03 -0.28 -0.13 -0.03
Revenue Per Share
409.70 845.06 409.70 310.53 383.17
Net Income Per Share
-67.51 195.79 -67.51 -111.95 229.99
Tax Burden
1.28 0.89 1.28 1.13 1.10
Interest Burden
1.37 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
0.32 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
0.46 0.79 0.46 -0.12 -0.09
Currency in USD
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