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White Mountains Insurance Group

NYQ:WTM · BMG9618E1075
InsuranceMedium

360

90
Medium confidence — indicative
Profit price95
Owner Earnings Yield24
Dividend Yield1
Price/Sales23
EV / Gross Profit70
Price/Book84
Returns on capital—
Profit margins85
Cash Conversion10
Accruals9
Sales growth13
Profit Growth24
Long-Term EPS Growth22
Reinvestment29
Price momentum85
Debt load72
Debt serviceability85
Liquidity55
Analyst ratings12
Expectations trend1
Market mood43
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

White Mountains Insurance Group clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryInsurance
SizeMedium
TypePublic Company
ExchangeNYSE
Founded1980
Employees6
Websitewhitemountains.com
ISINBMG9618E1075
Last UpdateApr 2, 2026
Indices
D.J. US Insurance
Themes
Insurance

Description

White Mountains Insurance Group, Ltd. (‘White Mountains’) engages in the business of making opportunistic and value-oriented acquisitions of businesses and assets in the insurance, financial services and related sectors. As of December 31, 2025, the…

Analysis

Hidden champion

White Mountains Insurance Group, Ltd. fits the profile of a hidden champion, yet the market has not awarded it the premium its quality earns.

Valuation data is not available for this company.

Growth is moderate; the safety picture is sturdy. The company scores 10/20 on our value-creation score: creating some value.

Flags to be aware of: Some accounting patterns deserve a closer look. Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
68
2023202420252026

All-time high

100

Mar 2026

All-time low

41

Jan 2023

Average rank

59

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
23
47
45
30
Price/Earnings
93
11
9
5
Price/Book
84
58
73
74
Dividend Yield
1
22
20
18
Value (overall)
49
33
38
27

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →