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White Mountains Insurance Group (WTM)
NYSE:WTM
US Market
WTM
White Mountains Insurance Group
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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 Q1 2026 was $0.60. For the 2026 fiscal year, WTM's free cash flow was decreased by $ and operating cash flow was $-0.01. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 1.14 12.82 0.00 0.00
Quick Ratio
 0.00 1.14 12.82 0.00 0.00
Cash Ratio
 0.00 0.04 1.06 0.00 0.00
Solvency Ratio
 0.18 0.18 0.05 0.13 0.23
Operating Cash Flow Ratio
 0.00 >-0.01 2.47 0.00 0.00
Short-Term Operating Cash Flow Coverage
 0.00 0.00 80.38 0.00 0.00
Net Current Asset Value
$ -5.72B$ -1.14B$ -1.75B$ -3.82B$ -3.45B
Leverage Ratios
Debt-to-Assets Ratio
 0.12 0.07 0.06 0.07 0.08
Debt-to-Equity Ratio
 0.16 0.15 0.13 0.13 0.15
Debt-to-Capital Ratio
 0.13 0.13 0.11 0.12 0.13
Long-Term Debt-to-Capital Ratio
 0.13 0.13 0.11 0.12 0.13
Financial Leverage Ratio
 1.33 2.27 2.21 1.98 1.97
Debt Service Coverage Ratio
 19.88 21.82 4.97 9.98 -3.63
Interest Coverage Ratio
 20.41 22.60 5.21 9.02 -3.71
Debt to Market Cap
 0.16 0.16 0.12 0.15 0.14
Interest Debt Per Share
 350.45 350.72 246.17 248.21 217.78
Net Debt to EBITDA
 0.53 0.46 0.84 0.73 -3.06
Profitability Margins
Gross Profit Margin
58.96%53.72%45.58%53.07%32.03%
EBIT Margin
49.56%51.97%16.03%28.99%-9.42%
EBITDA Margin
49.79%52.07%15.76%28.17%-9.05%
Operating Profit Margin
46.53%49.08%13.45%26.09%-12.90%
Pretax Profit Margin
46.53%49.08%13.45%26.09%-12.90%
Net Profit Margin
39.37%40.87%9.79%23.50%68.47%
Continuous Operations Profit Margin
42.07%44.39%12.07%26.81%-16.48%
Net Income Per EBT
84.61%83.27%72.75%90.06%-530.66%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
14.60%8.99%2.32%6.07%10.73%
Return on Equity (ROE)
20.61%20.39%5.14%12.01%21.16%
Return on Capital Employed (ROCE)
17.25%16.65%3.27%6.74%-2.02%
Return on Invested Capital (ROIC)
285.45%15.06%9.14%0.00%0.00%
Return on Tangible Assets
17.01%10.08%2.50%6.35%11.33%
Earnings Yield
18.99%20.85%4.68%13.39%19.83%
Efficiency Ratios
Receivables Turnover
 1.94 1.53 1.29 2.04 1.01
Payables Turnover
 1.58 3.41 5.39 12.54 3.13
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 0.00 0.00 72.22 0.00 0.00
Asset Turnover
 0.37 0.22 0.24 0.26 0.16
Working Capital Turnover Ratio
 54.37 1.60 1.68 0.00 0.00
Cash Conversion Cycle
 -43.04 131.15 215.88 149.41 244.79
Days of Sales Outstanding
 187.83 238.21 283.56 178.52 361.25
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 230.87 107.06 67.68 29.11 116.46
Operating Cycle
 187.83 238.21 283.56 178.52 361.25
Cash Flow Ratios
Operating Cash Flow Per Share
 248.61 -2.82 231.75 159.89 115.46
Free Cash Flow Per Share
 248.61 -2.82 231.75 159.89 115.46
CapEx Per Share
 0.00 0.00 0.00 0.00 0.00
Free Cash Flow to Operating Cash Flow
 1.00 1.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
 264.58 -2.77 234.72 155.42 108.77
Capital Expenditure Coverage Ratio
 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow Coverage Ratio
 0.76 >-0.01 1.04 0.72 0.57
Operating Cash Flow to Sales Ratio
 0.24 >-0.01 0.25 0.19 0.28
Free Cash Flow Yield
11.94%-0.14%11.91%10.62%8.16%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 5.27 4.80 21.38 7.47 5.04
Price-to-Sales (P/S) Ratio
 2.01 1.96 2.09 1.76 3.45
Price-to-Book (P/B) Ratio
 1.02 0.98 1.10 0.90 1.07
Price-to-Free Cash Flow (P/FCF) Ratio
 8.37 -737.17 8.39 9.41 12.25
Price-to-Operating Cash Flow Ratio
 8.64 -737.17 8.39 9.41 12.25
Price-to-Earnings Growth (PEG) Ratio
 <0.01 0.01 -0.39 -0.26 -0.01
Price-to-Fair Value
 1.02 0.98 1.10 0.90 1.07
Enterprise Value Multiple
 4.57 4.23 14.11 6.96 -41.20
Enterprise Value
 6.02B 5.96B 5.24B 4.25B 4.32B
EV to EBITDA
 4.57 4.23 14.11 6.96 -41.20
EV to Sales
 2.27 2.20 2.22 1.96 3.73
EV to Free Cash Flow
 9.47 -827.74 8.92 10.51 13.23
EV to Operating Cash Flow
 9.47 -827.74 8.92 10.51 13.23
Tangible Book Value Per Share
 120.74 1.93K 1.74K 1.80K 1.39K
Shareholders’ Equity Per Share
 2.10K 2.12K 1.77K 1.68K 1.33K
Tax and Other Ratios
Effective Tax Rate
 0.10 0.10 0.10 -0.03 -0.28
Revenue Per Share
 1.04K 1.06K 929.82 857.32 409.70
Net Income Per Share
 407.73 433.17 91.00 201.48 280.52
Tax Burden
 0.85 0.83 0.73 0.90 -5.31
Interest Burden
 0.94 0.94 0.84 0.90 1.37
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.25 0.26 0.21 0.20 0.31
Stock-Based Compensation to Revenue
 <0.01 <0.01 0.00 <0.01 0.06
Income Quality
 0.56 >-0.01 2.07 0.79 0.41
Currency in USD