NYSE · Insurance - Property & Casualty

White Mountains Insurance Group, Ltd. (WTM) Stock

$2225.24 -0.99% NYSE: WTM Financial Services

Valuation

MetricValue
Price$2225.24
Market Cap$5.31B
P/E Ratio4.60
P/B Ratio0.90
P/S Ratio1.79
EPS (TTM)$430.14
52-Week High$2333.00
52-Week Low$1784.78
Dividend Yield0.05%

Financials & Margins

MetricValue
ROE21.34%
ROA8.12%
ROCE9.52%
Gross Margin49.06%
Operating Margin49.09%
Net Margin39.92%
Debt/Equity0.17
Current Ratio1.14

Annual Financials (USD)

Metric20212022202320242025
Revenue$614.0M$1.2B$2.2B$2.4B$2.7B
Operating Profit$-274.0M$-149.0M$565.0M$317.0M$1.3B
Net Profit$-275.0M$793.0M$509.0M$230.0M$1.1B
EPS$-89.46$276.96$198.63$89.79$430.14
Op Margin-44.5%-12.9%26.1%13.4%49.1%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$7.0B$7.4B$8.4B$9.9B$12.3B
Total Liabilities$3.3B$3.5B$3.8B$4.8B$6.1B
Cash$148.0M$255.0M$122.0M$252.0M$185.0M
Borrowings$639.0M$575.0M$565.0M$563.0M$837.0M

Latest News

Australian Financial Planning Group Gets Minority Investment from Kudu Investment Management to Finance Growth Efforts MT Newswires · Jun 24, 2026 /C O R R E C T I O N -- Kudu Investment Management, LLC/ PR Newswire · Jun 24, 2026 Australia's Drummond Capital Partners Secures Investment from Kudu Investment Management PR Newswire · Jun 22, 2026 White Mountains to Hold 2026 Annual Investor Information Meeting on June 5, 2026 PR Newswire · May 18, 2026 How Investors May Respond To White Mountains Insurance Group (WTM) Q1 Loss And Level 3 Valuation Uncertainty Simply Wall St. · May 12, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$98.0M$434.0M$404.0M$587.0M$-7.0M
Investing Cash Flow$-204.0M$156.0M$-544.0M$-447.0M$213.0M
Financing Cash Flow$-129.0M$-616.0M$23.0M$8.0M$-480.0M
Net Cash Flow$-710.0M$107.0M$-133.0M$144.0M$0
Free Cash Flow$98.0M$434.0M$404.0M$587.0M$-7.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.01
EV / EBITDA4.13
FCF Yield8.49%
Quick Ratio1.14
Interest Coverage21.31
Return 1Y14.65%
Return 3Y32.42%
Return 5Y87.85%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
CBChubb Limited $355.11 -2.43% 11.71 $137.00B 1.22%
CNACNA Financial Corporation $48.40 -2.00% 10.19 $13.10B 4.13%
DGICADonegal Group, Inc. $18.82 -2.06% 9.27 $698.58M 4.21%
DGICBDonegal Group, Inc. $23.99 -0.46% 9.27 $784.49M 4.20%
GBLIGlobal Indemnity Group, LLC $24.13 -0.58% 10.32 $353.28M 5.75%

About White Mountains Insurance Group, Ltd.

White Mountains Insurance Group, Ltd. (WTM) stock trades at $2225.24 with a market capitalization of $5.31B. The stock is valued at a price-to-earnings (P/E) ratio of 4.60, price-to-book of 0.90, price-to-sales of 1.79. Over the past 52 weeks the stock has ranged between $1784.78 and $2333.00, and currently trades 4.6% below its 52-week high. It pays a dividend yielding 0.05%.

On profitability, White Mountains Insurance Group, Ltd. generates a return on equity (ROE) of 21.34%, above the typical market range of roughly 12-15%, return on capital employed of 9.52%, an operating margin of 49.09%, a net profit margin of 39.92%.

White Mountains Insurance Group, Ltd. by the numbers, 2016–2025

Between 2016 and 2025 White Mountains Insurance Group, Ltd. reported revenue of $158.0M rising to $2.7B, a change of +1613.3% across 10 years. Compounded, revenue has grown 24.8% a year over five years, 32.7% over three, 15.0% over the last twelve months. Net profit rose to $1.1B.

Operating margin went from -93.4% in 2016 to 49.1% in 2025, a gain of 142.5 percentage points. The most recent net margin is 39.92%. On a trailing twelve-month basis to Jun '26, revenue is $2.8B and net profit $1.1B.

Borrowings rose from $13.0M to $837.0M, cash from operations was $-7.0M in the latest year, positive in 5 of the last 10.

Return on equity has averaged 10.2% over five years, and was 20.4% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

White Mountains Insurance Group, Ltd. (WTM) — frequently asked questions

What is White Mountains Insurance Group, Ltd. (WTM) stock price today?

White Mountains Insurance Group, Ltd. (WTM) is currently trading at $2225.24, down 0.99% today.

What is WTM P/E ratio?

White Mountains Insurance Group, Ltd.'s P/E ratio is 4.60. This is below the typical market average of roughly 18-22x. A low P/E can reflect a lower valuation, slower expected growth, or both.

What is WTM return on equity (ROE)?

White Mountains Insurance Group, Ltd.'s return on equity (ROE) is 21.34%. ROE measures net income relative to shareholders' equity. This is above the typical market range of roughly 12-15%.

What is White Mountains Insurance Group, Ltd.'s market cap?

White Mountains Insurance Group, Ltd. has a market capitalization of $5.31B.

Does WTM pay a dividend?

Yes. White Mountains Insurance Group, Ltd. currently yields 0.05%. Yield moves with the share price, so it changes daily even when the payment does not.

How much debt does WTM carry?

White Mountains Insurance Group, Ltd. has a debt-to-equity ratio of 0.17. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is WTM's profit margin?

White Mountains Insurance Group, Ltd. reports a net profit margin of 39.92% — the share of revenue left after every cost, including tax and interest.

What sector is WTM in?

White Mountains Insurance Group, Ltd. is classified under Financial Services, in the Insurance - Property & Casualty industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is WTM listed on?

White Mountains Insurance Group, Ltd. trades on NYSE under the ticker WTM.

What is WTM's 52-week range?

Over the last year White Mountains Insurance Group, Ltd. has traded between $1784.78 and $2333.00.

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Screens WTM currently matches

On the figures above, White Mountains Insurance Group, Ltd. passes the filters for 22 of our ready-made screens, among them Undervalued Stocks, Low PE Stocks, Low PB Stocks. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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