What is White Mountains Insurance Group, Ltd.'s (WTM) StockRank?

MoatMap's StockRank for White Mountains Insurance Group, Ltd. (WTM) is 65/100, with a Buy signal. This is a composite score combining Quality (63), Value (53), and Momentum (43) factor ranks across MoatMap's 20,000+ stock universe.

Does White Mountains Insurance Group, Ltd. have an economic moat?

White Mountains Insurance Group, Ltd. (WTM) has a Quality factor score of 63/100. 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 financial 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 65/100. 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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WTM

BUY

White Mountains Insurance Group, Ltd. · Financial Services · Bermuda · $5.5B · Avg Vol: $40M/d

StockRank

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P/E (TTM)

5.5x

ROE

19.7%

D/E

0.1x

Dividend %

0.0%

COMPANY DESCRIPTION

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)

Year	2022	2023	2024	2025	CAGR	TTM
Revenue	1.2B	2.2B	2.4B	2.9B	35.6%	2.8B
EPS	276.96	198.60	89.79	430.14	15.8%	404.27
Shares	2.6M	2.6M	2.6M	2.5M	-3.6%	2.5M
Debt	575.2M	564.6M	562.5M	837.0M	13.3%	834.8M
Equity	3.7B	4.2B	4.5B	5.4B	13.1%	—
Op CF	365.0M	404.1M	586.8M	550.5M	14.7%	621.2M
Inv CF	115.5M	-543.9M	-447.0M	-666.9M	—	—
Fin CF	-344.9M	7.2M	4.2M	35.6M	—	—

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PRICE (1Y)+8.4%

SMA 50SMA 200

$2,193.94

RSI (14)

56.5

52W High

$2,333.00

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

3.3%*65.9

ROE

19.7%84.7

GP/Assets

12.0%77.7

Op. Margin

0.3%23.1

FCF/Assets

2.0%57.5

Piotroski

444.0

Int. Cover

17.9x62.9

D/E Ratio

0.14x68.7

Current Ratio

1.59x50.6

Value

P/E (TTM)

5.5x90.1

EV/EBITDA

8.3x53.5

P/FCF

22.2x24.2

P/B

1.0x59.4

P/S

1.9x77.3

Div Yield

0.0%0.2

Momentum

52W High %

94%54.2

RS 6M

-1%54.3

SMA 50/200

1.01x37.4

EPS Rev 4W

0.0%69.8

EPS Rev 12W

—N/A

EPS Improve

-78%3.0

Q Growth

—N/A

FUNDAMENTALS

Market Cap

$5.5B

P/E (Forward)

24.6x

Gross Margin

52.2%

SECTOR PEERS

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

Ticker	Company	Mkt Cap	StockRank	Signal
WTM	White Mountains Insurance Group, Ltd.(you)	$5.5B	65	BUY
HSX.L	Hiscox Ltd	$7.8B	86	STRONG BUY
AXS	AXIS Capital Holdings Limited	$8.6B	74	BUY
ESNT	Essent Group Ltd.	$6.1B	87	STRONG BUY
ACGLO	Arch Capital Group Ltd.	$11.8B	76	BUY
0U96.L	Everest Group, Ltd.	$17.9B	75	BUY
AGO	Assured Guaranty Ltd.	$3.8B	37	HOLD
NTB	The Bank of N.T. Butterfield & Son Limited	$2.4B	90	STRONG BUY
SPNT	SiriusPoint Ltd.	$3.0B	95	STRONG BUY
HG	Hamilton Insurance Group, Ltd.	$3.6B	99	STRONG BUY

Peer medians: ROE 17.4% · P/E 7.8x · Gross margin 39.4%

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

White Mountains Insurance Group, Ltd. (WTM) has a MoatMap StockRank of 65/100 based on Quality (63/100), Value (53/100), and Momentum (43/100) factor scores. The current signal is BUY.

Key Financial Metrics

Price	$2K
Market Cap	$5.5B
P/E (TTM)	5.47
P/E (Forward)	24.57
Price/Book	1.01
Return on Equity	19.7%
Debt/Equity	0.14x
Gross Margin	52.2%
Operating Margin	0.3%
Revenue Growth	-10.8%
Dividend Yield	0.0%
Free Cash Flow	$246M

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 65/100, with a Buy signal. It is a composite of Quality (63), Value (53), and Momentum (43) factor ranks across MoatMap’s 20,000+ stock universe.
Does White Mountains Insurance Group, Ltd. have an economic moat?: White Mountains Insurance Group, Ltd. (WTM) has a Quality factor score of 63/100. 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 65/100. 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).