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White Mountains Insurance Group (WTM) AI Stock Analysis
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White Mountains Insurance Group
(NYSE:WTM)
The score is driven primarily by strong financial performance (notably a debt-free balance sheet and excellent recent profitability) and very attractive valuation (low P/E with a high dividend yield). Technical signals are neutral and do not add meaningful upside momentum, while corporate events are modestly positive on governance/capital positioning.
White Mountains Insurance Group (WTM) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $5.42B
- Dividend Yield
- 0.04%
- Average Volume (3M)
- 21.16K
- Price to Earnings (P/E)
- 5.2
- Beta (1Y)
- 0.22
- Revenue Growth
- 20.88%
- EPS Growth
- 445.91%
- Country
- US
- Employees
- 1,648
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Insurance - Diversified
White Mountains Insurance Group Business Overview & Revenue Model
Company Description
White Mountains Insurance Group, Ltd. provides insurance services in the United States, the United Kingdom, Bermuda, and internationally. It operates through Ark/WM Outrigger, HG Global, Kudu, Distinguished, and Other Operations segments. The company...
How the Company Makes Money
White Mountains makes money primarily through (1) underwriting income from its insurance and reinsurance operations and (2) investment income and gains on the assets it holds at the parent company and within its regulated insurance subsidiaries. Unde...
White Mountains Insurance Group Financial Statement Overview
Summary
Strong overall fundamentals led by an excellent balance sheet (no debt in TTM, sizable equity base, healthy ROE ~21%) and very high recent profitability (net margin ~40%, EBIT margin ~49%). Offsets include meaningful earnings cyclicality across years and uneven earnings-to-cash conversion, with free cash flow down sharply TTM (~-32%) and a recent period of negative cash flow despite strong net income.
Income Statement
86Very PositiveBalance Sheet
90Very PositiveCash Flow
62Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.80B | 2.71B | 2.35B | 2.17B | 1.16B | 614.40M |
| Gross Profit | 1.82B | 1.45B | 1.07B | 1.15B | 370.90M | 33.10M |
| EBITDA | 1.41B | 1.42B | 371.10M | 610.30M | -104.80M | -231.50M |
| Net Income | 1.12B | 1.11B | 230.40M | 509.20M | 792.80M | -275.40M |
Balance Sheet | ||||||
| Total Assets | 13.77B | 12.31B | 9.93B | 8.39B | 7.39B | 7.00B |
| Cash, Cash Equivalents and Short-Term Investments | 1.79B | 3.15B | 1.22B | 1.61B | 1.18B | 605.80M |
| Total Debt | 932.50M | 837.00M | 562.50M | 564.60M | 575.20M | 639.10M |
| Total Liabilities | 7.51B | 6.05B | 4.79B | 3.82B | 3.45B | 3.30B |
| Stockholders Equity | 5.39B | 5.43B | 4.48B | 4.24B | 3.75B | 3.55B |
Cash Flow | ||||||
| Free Cash Flow | 425.00M | -7.20M | 586.80M | 404.10M | 434.00M | 98.20M |
| Operating Cash Flow | 425.00M | -7.20M | 586.80M | 404.10M | 434.00M | 98.20M |
| Investing Cash Flow | -432.20M | 212.70M | -447.00M | -543.90M | 155.70M | -204.00M |
| Financing Cash Flow | -251.40M | -205.20M | 4.20M | 7.20M | -461.80M | 149.20M |
White Mountains Insurance Group Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WTM, the sentiment is Positive. The current price of 2269.99 is above the 20-day moving average (MA) of 2150.88, above the 50-day MA of 2102.28, and above the 200-day MA of 2136.60, indicating a bullish trend. The MACD of 48.30 indicates Negative momentum. The RSI at 76.29 is Negative, neither overbought nor oversold. The STOCH value of 82.07 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for WTM.
White Mountains Insurance Group Risk Analysis
White Mountains Insurance Group disclosed 19 risk factors in its most recent earnings report. White Mountains Insurance Group reported the most risks in the "Legal & Regulatory" category.
Latest Risks Added
0 New RisksWhite Mountains Insurance Group Peers Comparison
Overall Rating
ACGL83Outperform- WTM82Outperform
HIG81.7Outperform
AXS78Outperform
IGIC71Outperform
AIG65Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ACGL | 83Outperform | $36.29B | 8.59 | 18.35% | ― | -5.29% | 14.08% |
| WTM | 82Outperform | $5.42B | 5.17 | 21.34% | 0.04% | 20.88% | 445.91% |
| HIG | 82Outperform | $35.46B | 7.95 | 24.13% | 1.81% | 4.08% | 34.70% |
| AXS | 78Outperform | $7.52B | 7.01 | 17.80% | 1.68% | 10.16% | 7.89% |
| IGIC | 71Outperform | $1.03B | 9.79 | 15.95% | 5.74% | -1.67% | ― |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| AIG | 65Neutral | $42.82B | 14.86 | 7.27% | 2.32% | -4.19% | 1.09% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| WTM | White Mountains Insurance | 2269.99 | 370.99 | 19.54% | |
| AIG | American International Group, Inc. | 81.90 | 4.84 | 6.28% | |
| ACGL | Arch Capital | 106.36 | 20.36 | 23.67% | |
| AXS | Axis Capital Holdings | 104.87 | 12.13 | 13.08% | |
| HIG | Hartford Insurance Group Inc | 132.59 | 10.51 | 8.61% | |
| IGIC | International General Insurance Holdings Ltd. | 24.37 | 4.13 | 20.41% |
White Mountains Insurance Group Corporate Events
White Mountains Insurance Adds Seasoned Director to Board
PositiveOn August 26 and 27, 2026, White Mountains Insurance Group, Ltd. announced that its Board of Directors has elected Stephen Klar, former President and Managing Partner of Wellington Management Group LLP, as a director, expanding the Board from 10 to 1...
White Mountains Highlights 2026 Investor Presentation and Strategy
PositiveWhite Mountains Insurance Group used its 2026 Annual Investor Presentation to highlight a strong 2025, when book value per share rose 25% to $2,188, supported by good operating results, solid though benchmark-lagging investment performance, and over...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 27, 2026