WTM

BuyUnloved QualityFLAG

White Mountains Insurance Group, Ltd. · Financial Services · Bermuda · $5.1B · Avg Vol: $47M/d

Unloved Quality: Strong and cheap, but the market has not turned yet. Patience required.

73
StockRank
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Quality
66
Value
66
Momentum
35
P/E (TTM)
4.7x
peers 7.3x
ROE
20.4%
peers 17.6%
D/E
0.1x
peers 0.2x
Dividend %
0.0%
trailing yield
Director trades · 180d
None →
Buybacks · 180d
$226.7M →
of its own shares repurchased
AI CONVICTION THESIS

Insufficient evidence for a screen-pass. White Mountains Insurance Group, Ltd.: fails the quant gate on momentum (Q67/V66/M32; every leg must be >= 50). Absence of evidence is neutral; nothing adverse is known.

The ranks quoted here are from the day it was written; today's Quality, Value and Momentum are the bars above.

ABOUT WHITE MOUNTAINS INSURANCE GROUP, LTD.

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White Mountains Insurance Group, Ltd. is a financial services holding company focused on acquiring and operating businesses in the insurance, reinsurance, and financial technology sectors. The company utilizes an opportunistic, value-oriented investment approach to compound capital over the long term. Its competitive advantage lies in its flexible capital allocation strategy and a track record of successful business turnarounds and exits.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM
Revenue1.2B2.2B2.4B2.9B35.6%3.0B
EPS276.96198.6089.79430.1415.8%436.57
Shares2.6M2.6M2.6M2.5M-3.6%2.4M
Debt575.2M564.6M562.5M837.0M13.3%932.5M
Equity3.7B4.2B4.5B5.4B13.1%—
Op CF365.0M404.1M586.8M550.5M14.7%388.2M
Inv CF115.5M-543.9M-447.0M-666.9M——
Fin CF-344.9M7.2M4.2M35.6M——
Loading 1Y...
PRICE (1Y)-4.1%
2,0462,0722,0982,1242,149Aug 7Aug 28Sep 18
SMA 50SMA 200

Close
$2,061.30
RSI (14)
31.2
52W High
$2,333.00
From 52W High
0.9%

SCORE BREAKDOWN

Quality
66
ROIC (ROA)
3.5%*67.1
ROE
20.4%84.1
GP/Assets
12.9%78.4
Op. Margin
36.4%53.0
FCF/Assets
n/mN/A
Piotroski
446.2
Int. Cover
17.2x62.1
D/E Ratio
0.15x67.4
Current Ratio
1.42x43.7
Value
66
P/E (TTM)
4.7x92.2
EV/EBITDA
n/mN/A
P/FCF
n/mN/A
P/B
0.9x64.7
P/S
1.7x80.1
Div Yield
0.0%0.3
Momentum
35
52W High %
88%44.0
RS 6M
-22%13.3
SMA 50/200
1.00x33.3
EPS Rev 4W
0.0%44.8
EPS Rev 12W
0.0%41.4
EPS Improve
-79%2.3
Q Growth
62%77.5

FUNDAMENTALS

Market Cap
$5.1B
P/E (Forward)
22.9x
Gross Margin
53.3%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of WTM are excluded.

TickerCompanyMkt CapStockRankSignal
WTMWhite Mountains Insurance Group, Ltd.(you)$5.1B73Buy
HSX.LHiscox Ltd$7.9B75Buy
SPNTSiriusPoint Ltd.$2.8B76Buy
ESNTEssent Group Ltd.$6.2B87Strong Buy
NTBThe Bank of N.T. Butterfield & Son Limited$2.3B76Buy
ACGLOArch Capital Group Ltd.$11.8B81Strong Buy
AXSAXIS Capital Holdings Limited$7.3B53Hold
EGEverest Group, Ltd.$14.5B79Buy
HGHamilton Insurance Group, Ltd.$3.5B94Strong Buy
PLGOPelagos Insurance Capital Limit$2.1B84Strong Buy

Peer medians: ROE 17.6% · P/E 7.3x · Gross margin 38.8%

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

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White Mountains Insurance Group, Ltd. (WTM): Stock Score Summary

White Mountains Insurance Group, Ltd. (WTM) has a MoatMap StockRank of 73/100 based on Quality (66/100), Value (66/100), and Momentum (35/100) factor scores. The current signal is BUY. Insufficient evidence for a screen-pass. White Mountains Insurance Group, Ltd.: fails the quant gate on momentum (Q67/V66/M32; every leg must be >= 50). Absence of evidence is neutral; nothing adverse is known.

White Mountains Insurance Group, Ltd. is a financial services holding company focused on acquiring and operating businesses in the insurance, reinsurance, and financial technology sectors. The company utilizes an opportunistic, value-oriented investment approach to compound capital over the long term. Its competitive advantage lies in its flexible capital allocation strategy and a track record of successful business turnarounds and exits.

Key Financial Metrics

Price$2K
Market Cap$5.1B
P/E (TTM)4.72
P/E (Forward)22.90
Price/Book0.94
Return on Equity20.4%
Debt/Equity0.15x
Gross Margin53.3%
Operating Margin36.4%
Revenue Growth22.5%
Dividend Yield0.0%
Free Cash Flow$687M

White Mountains Insurance Group, Ltd. operates in the Insurance - Property & Casualty industry, part of the Financial Services sector (Bermuda).

Frequently Asked Questions

What is White Mountains Insurance Group, Ltd.’s (WTM) StockRank?
MoatMap’s StockRank for White Mountains Insurance Group, Ltd. (WTM) is 73/100, with a Buy signal. It is a composite of Quality (66), Value (66), and Momentum (35) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does White Mountains Insurance Group, Ltd. have an economic moat?
White Mountains Insurance Group, Ltd. (WTM) has a Quality factor score of 66/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is White Mountains Insurance Group, Ltd. a buy, hold, or sell?
MoatMap’s current signal for White Mountains Insurance Group, Ltd. (WTM) is Buy, based on a StockRank of 73/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is White Mountains Insurance Group, Ltd. in?
White Mountains Insurance Group, Ltd. (WTM) operates in the Financial Services sector, specifically the Insurance - Property & Casualty industry (Bermuda).
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