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White Mountains Insurance Group (WTM)
NYSE:WTM
US Market
WTM
White Mountains Insurance Group
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White Mountains Insurance Group (WTM) Ratios

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White Mountains Insurance Group Ratios

WTM's free cash flow for Q2 2026 was $0.79. For the 2026 fiscal year, WTM's free cash flow was decreased by $ and operating cash flow was $0.33. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 1.14 12.82 0.00 0.00
Quick Ratio
 0.00 1.14 12.82 0.00 0.00
Cash Ratio
 0.00 0.04 1.06 0.00 0.00
Solvency Ratio
 0.15 0.18 0.05 0.13 0.23
Operating Cash Flow Ratio
 0.00 >-0.01 2.47 0.00 0.00
Short-Term Operating Cash Flow Coverage
 0.00 0.00 80.38 0.00 0.00
Net Current Asset Value
$ -7.51B$ -1.14B$ -1.75B$ -3.82B$ -3.45B
Leverage Ratios
Debt-to-Assets Ratio
 0.07 0.07 0.06 0.07 0.08
Debt-to-Equity Ratio
 0.17 0.15 0.13 0.13 0.15
Debt-to-Capital Ratio
 0.15 0.13 0.11 0.12 0.13
Long-Term Debt-to-Capital Ratio
 0.15 0.13 0.11 0.12 0.13
Financial Leverage Ratio
 2.55 2.27 2.21 1.98 1.97
Debt Service Coverage Ratio
 20.88 21.82 4.97 9.98 -3.63
Interest Coverage Ratio
 21.31 22.60 5.21 9.02 -3.71
Debt to Market Cap
 0.18 0.16 0.12 0.15 0.14
Interest Debt Per Share
 412.86 350.72 246.17 248.21 217.78
Net Debt to EBITDA
 0.59 0.46 0.84 0.73 -3.06
Profitability Margins
Gross Profit Margin
65.17%53.72%45.58%53.07%32.03%
EBIT Margin
49.69%51.97%16.03%28.99%-9.42%
EBITDA Margin
50.50%52.07%15.76%28.17%-9.05%
Operating Profit Margin
46.79%49.08%13.45%26.09%-12.90%
Pretax Profit Margin
46.79%49.08%13.45%26.09%-12.90%
Net Profit Margin
39.92%40.87%9.79%23.50%68.47%
Continuous Operations Profit Margin
42.15%44.39%12.07%26.81%-16.48%
Net Income Per EBT
85.32%83.27%72.75%90.06%-530.66%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
8.12%8.99%2.32%6.07%10.73%
Return on Equity (ROE)
21.34%20.39%5.14%12.01%21.16%
Return on Capital Employed (ROCE)
9.52%16.65%3.27%6.74%-2.02%
Return on Invested Capital (ROIC)
8.57%15.06%9.14%0.00%0.00%
Return on Tangible Assets
8.89%10.08%2.50%6.35%11.33%
Earnings Yield
22.52%20.85%4.68%13.39%19.83%
Efficiency Ratios
Receivables Turnover
 1.80 1.53 1.29 2.04 1.01
Payables Turnover
 1.29 3.41 5.39 12.54 3.13
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 0.00 0.00 72.22 0.00 0.00
Asset Turnover
 0.20 0.22 0.24 0.26 0.16
Working Capital Turnover Ratio
 56.74 1.60 1.68 0.00 0.00
Cash Conversion Cycle
 -80.83 131.15 215.88 149.41 244.79
Days of Sales Outstanding
 202.40 238.21 283.56 178.52 361.25
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 283.23 107.06 67.68 29.11 116.46
Operating Cycle
 202.40 238.21 283.56 178.52 361.25
Cash Flow Ratios
Operating Cash Flow Per Share
 176.52 -2.82 231.75 159.89 115.46
Free Cash Flow Per Share
 176.52 -2.82 231.75 159.89 115.46
CapEx Per Share
 0.00 0.00 0.00 0.00 0.00
Free Cash Flow to Operating Cash Flow
 1.00 1.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
 88.54 -2.77 234.72 155.42 108.77
Capital Expenditure Coverage Ratio
 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow Coverage Ratio
 0.46 >-0.01 1.04 0.72 0.57
Operating Cash Flow to Sales Ratio
 0.15 >-0.01 0.25 0.19 0.28
Free Cash Flow Yield
8.32%-0.14%11.91%10.62%8.16%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 4.69 4.83 21.66 7.47 5.04
Price-to-Sales (P/S) Ratio
 1.82 1.96 2.09 1.76 3.45
Price-to-Book (P/B) Ratio
 0.92 0.98 1.10 0.90 1.07
Price-to-Free Cash Flow (P/FCF) Ratio
 12.02 -737.17 8.39 9.41 12.25
Price-to-Operating Cash Flow Ratio
 11.68 -737.17 8.39 9.41 12.25
Price-to-Earnings Growth (PEG) Ratio
 0.01 0.01 -0.40 -0.26 -0.01
Price-to-Fair Value
 0.92 0.98 1.10 0.90 1.07
Enterprise Value Multiple
 4.20 4.23 14.11 6.96 -41.20
Enterprise Value
 5.94B 5.96B 5.24B 4.25B 4.32B
EV to EBITDA
 4.20 4.23 14.11 6.96 -41.20
EV to Sales
 2.12 2.20 2.22 1.96 3.73
EV to Free Cash Flow
 13.98 -827.74 8.92 10.51 13.23
EV to Operating Cash Flow
 13.98 -827.74 8.92 10.51 13.23
Tangible Book Value Per Share
 2.11K 1.93K 1.74K 1.80K 1.39K
Shareholders’ Equity Per Share
 2.24K 2.12K 1.77K 1.68K 1.33K
Tax and Other Ratios
Effective Tax Rate
 0.10 0.10 0.10 -0.03 -0.28
Revenue Per Share
 1.16K 1.06K 929.82 857.32 409.70
Net Income Per Share
 464.36 433.17 91.00 201.48 280.52
Tax Burden
 0.85 0.83 0.73 0.90 -5.31
Interest Burden
 0.94 0.94 0.84 0.90 1.37
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.28 0.26 0.21 0.20 0.31
Stock-Based Compensation to Revenue
 <0.01 0.00 0.00 <0.01 0.06
Income Quality
 0.37 >-0.01 2.07 0.79 0.41
Currency in USD