Stock AnalizWhite Mountains Insurance Group Ltd. WTM
Property-Casualty Insurers · data as of November 13, 2026
White Mountains Insurance Group Ltd. (WTM) is a financial company listed in the US with a market value of about $5.4B. In the twelve months to September 30, 2026 it had revenue of $3.6B and net income of $944M, a net margin of 26.2%.
Its overall Stock Analiz score is 4.4 out of 5 (excellent). The strongest part is value (5/5); the weakest is track record (3/5).
Key numbers: a P/E of 6.0, a price to free cash flow of 14.0, 5-year revenue growth of 33% a year, a 5-year average ROIC of 6%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 178% above the current price.
Score: 4.4 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
Checks not passed
- 3-year free cash flow growth above 10% a year
- 5-year average ROIC above 12%
- Profitable 5 years in a row
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.6B | $3.7B | $2.2B | $2.2B | $1.2B | $614M | $896M | $893M | $369M | $374M | — |
| Net income | $944M | $1.1B | $230M | $509M | $793M | -$275M | $709M | $414M | -$141M | $627M | $402M |
| Free cash flow | $386M | — | — | — | — | — | — | — | — | — | — |
| EPS (diluted) | $375.24 | $430.14 | $89.79 | $198.60 | $276.96 | $-89.46 | $226.97 | $130.27 | $-41.76 | $146.06 | $80.06 |
| Net margin | 26.2% | 29.6% | 10.3% | 23.5% | 68.5% | -44.8% | 79.1% | 46.4% | -38.3% | 167.8% | — |
| ROIC | — | 20.1% | 6.7% | 10.3% | -2.0% | -5.0% | 12.1% | 10.5% | -5.7% | 0.2% | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
Frequently asked questions
What is White Mountains Insurance Group’s P/E ratio?
About 6.0, based on the last twelve months of diluted earnings per share.
Is White Mountains Insurance Group stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 178% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does White Mountains Insurance Group pay a dividend?
Yes. The dividend yield is about 0.04%, and it has paid dividends for 10 years in our data.
Is White Mountains Insurance Group a good stock to buy?
We do not give buy or sell advice. White Mountains Insurance Group scores 4.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.