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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.50
WTM's Cash to Debt is ranked higher than
66% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.89 vs. WTM: 0.50 )
WTM' s 10-Year Cash to Debt Range
Min: 0   Max: No Debt
Current: 0.5

Equity to Asset 0.38
WTM's Equity to Asset is ranked higher than
85% of the 217 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. WTM: 0.38 )
WTM' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.38
Current: 0.38

0.08
0.38
Interest Coverage 7.20
WTM's Interest Coverage is ranked higher than
61% of the 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.39 vs. WTM: 7.20 )
WTM' s 10-Year Interest Coverage Range
Min: 0.92   Max: 9999.99
Current: 7.2

0.92
9999.99
F-Score: 5
Z-Score: 1.13
WACC vs ROIC
6.50%
6.92%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 12.02
WTM's Operating margin (%) is ranked higher than
75% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.37 vs. WTM: 12.02 )
WTM' s 10-Year Operating margin (%) Range
Min: -38.52   Max: 42.07
Current: 12.02

-38.52
42.07
Net-margin (%) 12.46
WTM's Net-margin (%) is ranked higher than
84% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. WTM: 12.46 )
WTM' s 10-Year Net-margin (%) Range
Min: -18.79   Max: 49.1
Current: 12.46

-18.79
49.1
ROE (%) 7.80
WTM's ROE (%) is ranked higher than
65% of the 217 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.99 vs. WTM: 7.80 )
WTM' s 10-Year ROE (%) Range
Min: -20.79   Max: 107.25
Current: 7.8

-20.79
107.25
ROA (%) 2.62
WTM's ROA (%) is ranked higher than
71% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.20 vs. WTM: 2.62 )
WTM' s 10-Year ROA (%) Range
Min: -3.18   Max: 14.59
Current: 2.62

-3.18
14.59
Revenue Growth (3Y)(%) 14.70
WTM's Revenue Growth (3Y)(%) is ranked higher than
86% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.70 vs. WTM: 14.70 )
WTM' s 10-Year Revenue Growth (3Y)(%) Range
Min: -24.1   Max: 155.6
Current: 14.7

-24.1
155.6
EBITDA Growth (3Y)(%) 52.20
WTM's EBITDA Growth (3Y)(%) is ranked higher than
86% of the 171 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.90 vs. WTM: 52.20 )
WTM' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 69.1
Current: 52.2

0
69.1
EPS Growth (3Y)(%) 40.80
WTM's EPS Growth (3Y)(%) is ranked higher than
89% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 24.20 vs. WTM: 40.80 )
WTM' s 10-Year EPS Growth (3Y)(%) Range
Min: -28.9   Max: 213.9
Current: 40.8

-28.9
213.9
» WTM's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

WTM Guru Trades in Q2 2014

Joel Greenblatt 427 sh (New)
Arnold Van Den Berg 8,875 sh (New)
HOTCHKIS & WILEY 256,478 sh (+8.96%)
Third Avenue Management 191,647 sh (+0.04%)
Martin Whitman 55,699 sh (+2.35%)
Chuck Royce 3,534 sh (unchged)
Jim Simons 22,493 sh (-3.46%)
Murray Stahl 1,084 sh (-46.44%)
» More
Q3 2014

WTM Guru Trades in Q3 2014

Chuck Royce 4,734 sh (+33.96%)
Arnold Van Den Berg 9,183 sh (+3.47%)
Jim Simons 22,900 sh (+1.81%)
HOTCHKIS & WILEY 257,286 sh (+0.32%)
Martin Whitman 81,699 sh (+46.68%)
Murray Stahl 1,084 sh (unchged)
Joel Greenblatt Sold Out
Third Avenue Management 182,014 sh (-5.03%)
» More
Q4 2014

WTM Guru Trades in Q4 2014

Jim Simons 28,900 sh (+26.20%)
Chuck Royce 5,134 sh (+8.45%)
Martin Whitman 81,699 sh (unchged)
HOTCHKIS & WILEY 248,068 sh (-3.58%)
Arnold Van Den Berg 8,553 sh (-6.86%)
Third Avenue Management 154,458 sh (-15.14%)
Murray Stahl 728 sh (-32.84%)
» More
2015

WTM Guru Trades in 2015

Martin Whitman 81,699 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with WTM

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Guru Investment Theses on White Mountains Insurance Group Ltd

Third Avenue Management Comments on White Mountains - Jul 23, 2014

Property and casualty insurance companies (Alleghany Common and White Mountains (WTM) Common). Both companies have generated solid (high single digit) annual book value growth since the Fund invested in 2012 despite a challenging environment characterized by low interest rates and competitive underwriting. Shares of both companies, which account for 3.1% of the Fund’s assets in total, were purchased at modest discounts to book value.

From Martin Whitman (Trades, Portfolio)'s 2Q 2014 Shareholder Letters.

Check out Martin Whitman latest stock trades

Top Ranked Articles about White Mountains Insurance Group Ltd

Third Avenue Management Comments on White Mountains
Property and casualty insurance companies (Alleghany Common and White Mountains (WTM) Common). Both companies have generated solid (high single digit) annual book value growth since the Fund invested in 2012 despite a challenging environment characterized by low interest rates and competitive underwriting. Shares of both companies, which account for 3.1% of the Fund’s assets in total, were purchased at modest discounts to book value. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 13.30
WTM's P/E(ttm) is ranked higher than
79% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.50 vs. WTM: 13.30 )
WTM' s 10-Year P/E(ttm) Range
Min: 4.18   Max: 89.6
Current: 13.3

4.18
89.6
Forward P/E 14.56
WTM's Forward P/E is ranked higher than
75% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.77 vs. WTM: 14.56 )
N/A
PE(NRI) 13.20
WTM's PE(NRI) is ranked higher than
78% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.20 vs. WTM: 13.20 )
WTM' s 10-Year PE(NRI) Range
Min: 5.94   Max: 41.44
Current: 13.2

5.94
41.44
P/B 1.00
WTM's P/B is ranked higher than
85% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.40 vs. WTM: 1.00 )
WTM' s 10-Year P/B Range
Min: 0.51   Max: 1.87
Current: 1

0.51
1.87
P/S 1.60
WTM's P/S is ranked higher than
62% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.25 vs. WTM: 1.60 )
WTM' s 10-Year P/S Range
Min: 0.54   Max: 1.82
Current: 1.6

0.54
1.82
PFCF 37.90
WTM's PFCF is ranked higher than
65% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.00 vs. WTM: 37.90 )
WTM' s 10-Year PFCF Range
Min: 7.41   Max: 85.91
Current: 37.9

7.41
85.91
POCF 34.44
WTM's POCF is ranked higher than
58% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.41 vs. WTM: 34.44 )
WTM' s 10-Year POCF Range
Min: 7.04   Max: 68.05
Current: 34.44

7.04
68.05
EV-to-EBIT 12.88
WTM's EV-to-EBIT is ranked higher than
74% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. WTM: 12.88 )
WTM' s 10-Year EV-to-EBIT Range
Min: -12.4   Max: 36.7
Current: 12.88

-12.4
36.7
PEG 2.16
WTM's PEG is ranked higher than
78% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.71 vs. WTM: 2.16 )
WTM' s 10-Year PEG Range
Min: 0.25   Max: 1.88
Current: 2.16

0.25
1.88
Shiller P/E 13.50
WTM's Shiller P/E is ranked higher than
87% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.71 vs. WTM: 13.50 )
WTM' s 10-Year Shiller P/E Range
Min: 6.31   Max: 24.26
Current: 13.5

6.31
24.26
Days Sales Outstanding 8.22
WTM's Days Sales Outstanding is ranked higher than
98% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 143.25 vs. WTM: 8.22 )
WTM' s 10-Year Days Sales Outstanding Range
Min: 0.58   Max: 124.54
Current: 8.22

0.58
124.54

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.20
WTM's Dividend Yield is ranked lower than
96% of the 181 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.79 vs. WTM: 0.20 )
WTM' s 10-Year Dividend Yield Range
Min: 0.15   Max: 2.83
Current: 0.2

0.15
2.83
Dividend Payout 0.02
WTM's Dividend Payout is ranked higher than
99% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.50 vs. WTM: 0.02 )
WTM' s 10-Year Dividend Payout Range
Min: 0.01   Max: 1.33
Current: 0.02

0.01
1.33
Yield on cost (5-Year) 0.20
WTM's Yield on cost (5-Year) is ranked lower than
94% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.40 vs. WTM: 0.20 )
WTM' s 10-Year Yield on cost (5-Year) Range
Min: 0.15   Max: 2.83
Current: 0.2

0.15
2.83
Share Buyback Rate 8.60
WTM's Share Buyback Rate is ranked higher than
96% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.10 vs. WTM: 8.60 )
WTM' s 10-Year Share Buyback Rate Range
Min: 24.2   Max: -59.8
Current: 8.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
WTM's Price/Tangible Book is ranked higher than
85% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.70 vs. WTM: 1.10 )
WTM' s 10-Year Price/Tangible Book Range
Min: 0.53   Max: 1.97
Current: 1.1

0.53
1.97
Price/DCF (Projected) 1.70
WTM's Price/DCF (Projected) is ranked higher than
65% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. WTM: 1.70 )
WTM' s 10-Year Price/DCF (Projected) Range
Min: 0.31   Max: 117.45
Current: 1.7

0.31
117.45
Price/Median PS Value 1.20
WTM's Price/Median PS Value is ranked higher than
70% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. WTM: 1.20 )
WTM' s 10-Year Price/Median PS Value Range
Min: 0.48   Max: 2.23
Current: 1.2

0.48
2.23
Price/Peter Lynch Fair Value 1.10
WTM's Price/Peter Lynch Fair Value is ranked higher than
83% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. WTM: 1.10 )
WTM' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.34   Max: 2.82
Current: 1.1

0.34
2.82
Price/Graham Number 0.80
WTM's Price/Graham Number is ranked higher than
88% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.99 vs. WTM: 0.80 )
WTM' s 10-Year Price/Graham Number Range
Min: 0.31   Max: 2.14
Current: 0.8

0.31
2.14
Earnings Yield (Greenblatt) 7.70
WTM's Earnings Yield (Greenblatt) is ranked higher than
72% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.30 vs. WTM: 7.70 )
WTM' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.7   Max: 37.1
Current: 7.7

2.7
37.1
Forward Rate of Return (Yacktman) 10.93
WTM's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 173 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.10 vs. WTM: 10.93 )
WTM' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -6.8   Max: 32.6
Current: 10.93

-6.8
32.6

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
White Mountains Insurance Group Ltd. is an exempted Bermuda limited liability company. The Company's businesses are conducted through its insurance and reinsurance subsidiaries and affiliates. White Mountains' reportable segments are OneBeacon, Sirius Group, HG Global/BAM and Other Operations. OneBeacon is a specialty property and casualty insurance writer that offers insurance products in the United States primarily through independent agencies, regional and national brokers, wholesalers and managing general agencies. The OneBeacon segment consists of OneBeacon Insurance Group, Ltd., an exempted Bermuda limited liability company that owns a family of property and casualty insurance companies. OneBeacon's insurance business is comprised of fourteen underwriting units that are aggregated into two insurance divisions: Specialty Products and Specialty Industries. OneBeacon offers its products and services through a network of approximately 2,500 independent agents, regional and national brokers, wholesalers and managing general agencies. OneBeacon competes with ACE, AIG, Chubb Group, CNA, Liberty Mutual, Travelers and Zurich Insurance Group, Allied World Assurance Company, HCC Insurance Holdings, Inc., The Navigators Group, Inc., Ironshore Inc., Markel Corporation, RLI Corp. and W.R. Berkley Corporation. The Sirius Group segment consists of Sirius International Insurance Group, Ltd., an exempted Bermuda limited liability company, and its subsidiaries. Sirius Group provides insurance and reinsurance products for property, accident and health, aviation and space, trade credit, marine, agriculture and certain other exposures through its primary subsidiaries, Sirius International Insurance Corporation, or Sirius International; Sirius America Insurance Company, or Sirius America; and Lloyd's Syndicate 1945, or Syndicate 1945. Sirius Group has offices in Australia, Belgium, Bermuda, Connecticut, Copenhagen, Hamburg, London, Miami, New York, Singapore, Stockholm, Toronto and Zurich. Sirius Group obtains its reinsurance submissions from reinsurance intermediaries that represent the ceding company. Sirius Group competes directly Alleghany Corporation, Allied World Assurance Company Holdings AG, Arch Capital Group Ltd., Aspen Insurance Holdings Ltd., Axis Capital Holdings, Ltd., Endurance Specialty Holdings Ltd., Everest Re Group, Ltd., General Reinsurance Corporation, Hannover Ruckversicherung AG, Montpelier Re Holdings, Ltd., Munich Re Group, Odyssey Re Holdings Corp., PartnerRe Ltd., Platinum Underwriters Holdings Ltd., Renaissance Re Holdings Ltd., Scor Global P&C, Swiss Re Group, Validus Holdings, Ltd., and XL Capital Ltd., among others. The HG Global/BAM segment consists of White Mountains' investment in HG Global Ltd. and the consolidated results of Build America Mutual Assurance Company. White Mountains' Other Operations segment consists of the Company and its intermediate holding companies, its wholly-owned investment management subs
» More Articles for WTM

Headlines

Articles On GuruFocus.com
Third Avenue Management Comments on White Mountains Jul 23 2014 
comment on WTM Feb 24 2013 
Martin Whitman's Third Avenue Management Third-Quarter Letter Aug 29 2012 
Goodhaven Semi-Annual Report (Managed by Ex-Fairholme Managers Pitkowsky/Trauner) Jul 25 2012 
Mercury General Corp. (MCY) Dividend Stock Analysis Jul 13 2012 
Valuation of Martin Whitman’s Four New Buys Jul 10 2012 
Third Avenue Value Fund Buys Devon Energy, Comeric, Applied Materials, Alleghany, White Mountains In Jul 10 2012 
Third Avenue Management Comments on White Mountains Insurance Group Jun 28 2012 
Marty Whitman's Third Ave Management Second Quarter Letter Jun 28 2012 
Interview With Marty Whitman's Successor at the Third Avenue Value Fund Jun 28 2012 

More From Other Websites
WHITE MOUNTAINS INSURANCE GROUP LTD Files SEC form 8-K, Regulation FD Disclosure Mar 26 2015
WHITE MOUNTAINS INSURANCE GROUP LTD Financials Mar 06 2015
10-K for White Mountains Insurance Group Ltd. Mar 02 2015
WHITE MOUNTAINS INSURANCE GROUP LTD Files SEC form 8-K, Change in Directors or Principal Officers Mar 02 2015
White Mountains Declares Annual Dividend Feb 27 2015
WHITE MOUNTAINS INSURANCE GROUP LTD Files SEC form 10-K, Annual Report Feb 27 2015
White Mountains Declares Annual Dividend Feb 27 2015
OneBeacon U.S. Holdings, Inc. -- Moody's downgrades OneBeacon Insurance Group; senior debt to Baa3,... Feb 10 2015
White Mountains posts 4Q profit Feb 10 2015
White Mountains posts 4Q profit Feb 10 2015
WHITE MOUNTAINS INSURANCE GROUP LTD Files SEC form 8-K, Results of Operations and Financial... Feb 10 2015
White Mountains Reports Adjusted Book Value Per Share Of $665 Feb 10 2015
Potomac Insurance Company -- Moody's withdraws ratings of three former OneBeacon subsidiaries... Jan 08 2015
WHITE MOUNTAINS INSURANCE GROUP LTD Files SEC form 8-K, Completion of Acquisition or Disposition of... Dec 23 2014
Sirius Group Declares Semi-Annual Preference Share Dividend Nov 19 2014
Sirius Group Declares Semi-Annual Preference Share Dividend Nov 19 2014
Chubb Corp Hits 52-Week High: Was a Strong Q3 the Driver? Nov 05 2014
Amerisafe Beats on Q3 Earnings, Underwriting Solid Oct 31 2014
White Mountains posts 3Q profit Oct 29 2014
White Mountains posts 3Q profit Oct 29 2014

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