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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 0.80
WTM's Cash to Debt is ranked higher than
67% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. WTM: 0.80 )
WTM' s 10-Year Cash to Debt Range
Min: 0   Max: No Debt
Current: 0.8

Equity to Asset 0.33
WTM's Equity to Asset is ranked higher than
86% of the 214 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. WTM: 0.33 )
WTM' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.4
Current: 0.33

0.04
0.4
Interest Coverage 8.12
WTM's Interest Coverage is ranked higher than
59% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 25.59 vs. WTM: 8.12 )
WTM' s 10-Year Interest Coverage Range
Min: 0.92   Max: 9999.99
Current: 8.12

0.92
9999.99
F-Score: 5
Z-Score: 0.94
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 : 5/10

vs
industry
vs
history
Operating margin (%) 15.92
WTM's Operating margin (%) is ranked higher than
84% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.36 vs. WTM: 15.92 )
WTM' s 10-Year Operating margin (%) Range
Min: -38.52   Max: 42.07
Current: 15.92

-38.52
42.07
Net-margin (%) 14.74
WTM's Net-margin (%) is ranked higher than
87% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.16 vs. WTM: 14.74 )
WTM' s 10-Year Net-margin (%) Range
Min: -18.79   Max: 49.1
Current: 14.74

-18.79
49.1
ROE (%) 9.09
WTM's ROE (%) is ranked higher than
69% of the 214 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.84 vs. WTM: 9.09 )
WTM' s 10-Year ROE (%) Range
Min: -20.79   Max: 107.25
Current: 9.09

-20.79
107.25
ROA (%) 2.94
WTM's ROA (%) is ranked higher than
74% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 vs. WTM: 2.94 )
WTM' s 10-Year ROA (%) Range
Min: -3.18   Max: 14.59
Current: 2.94

-3.18
14.59
Revenue Growth (3Y)(%) 11.60
WTM's Revenue Growth (3Y)(%) is ranked higher than
83% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. WTM: 11.60 )
WTM' s 10-Year Revenue Growth (3Y)(%) Range
Min: -24.1   Max: 155.6
Current: 11.6

-24.1
155.6
EBITDA Growth (3Y)(%) 30.00
WTM's EBITDA Growth (3Y)(%) is ranked higher than
92% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. WTM: 30.00 )
WTM' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 69.1
Current: 30

0
69.1
EPS Growth (3Y)(%) 55.40
WTM's EPS Growth (3Y)(%) is ranked higher than
98% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.70 vs. WTM: 55.40 )
WTM' s 10-Year EPS Growth (3Y)(%) Range
Min: -28.9   Max: 213.9
Current: 55.4

-28.9
213.9
» WTM's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

WTM Guru Trades in Q4 2013

HOTCHKIS & WILEY 197,901 sh (New)
Jim Simons 14,400 sh (+16.13%)
Third Avenue Management 274,818 sh (+1.47%)
Martin Whitman 54,421 sh (+13.76%)
Chuck Royce 3,534 sh (unchged)
Murray Stahl 9,738 sh (-34.32%)
» More
Q1 2014

WTM Guru Trades in Q1 2014

Jim Simons 23,300 sh (+61.81%)
HOTCHKIS & WILEY 235,381 sh (+18.94%)
Chuck Royce 3,534 sh (unchged)
Martin Whitman 54,421 sh (unchged)
Third Avenue Management 191,574 sh (-30.29%)
Murray Stahl 2,024 sh (-79.22%)
» More
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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Third Avenue Management 2014-09-30 Reduce -5.03%0.11%$604.91 - $639.49 $ 635.032%182014
Joel Greenblatt 2014-09-30 Sold Out $604.91 - $639.49 $ 635.032%0
Martin Whitman 2014-07-31 Add 46.68%0.76%$587.68 - $621 $ 635.036%81699
Arnold Van Den Berg 2014-06-30 New Buy0.47%$585.91 - $607.95 $ 635.037%8875
Joel Greenblatt 2014-06-30 New Buy$585.91 - $607.95 $ 635.037%427
Third Avenue Management 2014-03-31 Reduce -30.29%0.91%$559.26 - $603.08 $ 635.039%191574
HOTCHKIS & WILEY 2013-12-31 New Buy0.51%$568.03 - $606.31 $ 635.038%197901
Martin Whitman 2013-10-31 Add 13.76%0.17%$555.82 - $597 $ 635.0311%54421
John Burbank 2013-06-30 Sold Out 0.01%$565.03 - $610.5 $ 635.039%0
Third Avenue Management 2013-03-31 Add 11.11%0.29%$515 - $579.31 $ 635.0315%262694
John Burbank 2013-03-31 New Buy0.01%$515 - $579.31 $ 635.0315%359
Third Avenue Management 2012-12-31 Add 19.76%0.43%$508.66 - $524.9 $ 635.0323%236434
Martin Whitman 2012-10-31 Add 32.08%0.23%$509.6 - $534.63 $ 635.0322%42953
Third Avenue Management 2012-09-30 Add 18.94%0.37%$510.54 - $536.72 $ 635.0321%197416
Martin Whitman 2012-07-31 Add 50.36%0.22%$499 - $545.91 $ 635.0322%32520
Third Avenue Management 2012-06-30 Add 39.39%0.59%$499 - $545.91 $ 635.0323%165979
Martin Whitman 2012-04-30 New Buy0.44%$451.24 - $527.16 $ 635.0328%21628
George Soros 2011-12-31 Sold Out 0.03%$398.21 - $453.46 $ 635.0350%0
Tom Gayner 2011-09-30 Sold Out 1.6843%$377 - $431.32 $ 635.0356%0
Third Avenue Management 2011-09-30 Add 54.55%0.42%$377 - $431.32 $ 635.0356%117414
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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) 10.90
WTM's P/E(ttm) is ranked higher than
80% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. WTM: 10.90 )
WTM' s 10-Year P/E(ttm) Range
Min: 4.18   Max: 89.6
Current: 10.9

4.18
89.6
P/B 1.00
WTM's P/B is ranked higher than
89% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.35 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
64% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 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 46.50
WTM's PFCF is ranked higher than
65% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.37 vs. WTM: 46.50 )
WTM' s 10-Year PFCF Range
Min: 7.41   Max: 85.91
Current: 46.5

7.41
85.91
EV-to-EBIT 9.27
WTM's EV-to-EBIT is ranked higher than
75% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.23 vs. WTM: 9.27 )
WTM' s 10-Year EV-to-EBIT Range
Min: -12.4   Max: 36.7
Current: 9.27

-12.4
36.7
Shiller P/E 14.30
WTM's Shiller P/E is ranked higher than
90% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.02 vs. WTM: 14.30 )
WTM' s 10-Year Shiller P/E Range
Min: 6.32   Max: 24.26
Current: 14.3

6.32
24.26

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.20
WTM's Dividend Yield is ranked lower than
96% of the 180 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.59 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
100% of the 220 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: 0.75
Current: 0.02

0.01
0.75
Yield on cost (5-Year) 0.20
WTM's Yield on cost (5-Year) is ranked lower than
94% of the 182 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 10.60
WTM's Share Buyback Rate is ranked higher than
98% of the 169 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. WTM: 10.60 )
WTM' s 10-Year Share Buyback Rate Range
Min: 24.2   Max: -59.8
Current: 10.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.96
WTM's Price/Tangible Book is ranked higher than
91% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.64 vs. WTM: 0.96 )
WTM' s 10-Year Price/Tangible Book Range
Min: 0.53   Max: 1.97
Current: 0.96

0.53
1.97
Price/DCF (Projected) 1.62
WTM's Price/DCF (Projected) is ranked higher than
65% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.87 vs. WTM: 1.62 )
WTM' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 152.91
Current: 1.62

0.3
152.91
Price/Median PS Value 1.15
WTM's Price/Median PS Value is ranked higher than
73% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. WTM: 1.15 )
WTM' s 10-Year Price/Median PS Value Range
Min: 0.38   Max: 3.01
Current: 1.15

0.38
3.01
Price/Peter Lynch Fair Value 1.87
WTM's Price/Peter Lynch Fair Value is ranked higher than
88% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. WTM: 1.87 )
WTM' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.28   Max: 7.24
Current: 1.87

0.28
7.24
Price/Graham Number 0.69
WTM's Price/Graham Number is ranked higher than
90% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. WTM: 0.69 )
WTM' s 10-Year Price/Graham Number Range
Min: 0.26   Max: 2.03
Current: 0.69

0.26
2.03
Earnings Yield (Greenblatt) 10.70
WTM's Earnings Yield (Greenblatt) is ranked higher than
74% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. WTM: 10.70 )
WTM' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.7   Max: 37.1
Current: 10.7

2.7
37.1
Forward Rate of Return (Yacktman) 4.31
WTM's Forward Rate of Return (Yacktman) is ranked higher than
70% of the 156 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.15 vs. WTM: 4.31 )
WTM' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -6.8   Max: 32.6
Current: 4.31

-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 23 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
Sirius Group Declares Semi-Annual Preference Share Dividend Nov 19 2014
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Chubb Corp Hits 52-Week High: Was a Strong Q3 the Driver? Nov 05 2014
10-Q for White Mountains Insurance Group Ltd. Oct 31 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
WHITE MOUNTAINS INSURANCE GROUP LTD Files SEC form 8-K, Results of Operations and Financial... Oct 29 2014
White Mountains Reports Adjusted Book Value Per Share Of $666 Oct 29 2014
Q3 2014 White Mountains Insurance Group Ltd Earnings Release (Tentative) - Before Market Open Oct 29 2014
Is White Mountains (WTM) Worth Adding to Your Portfolio? Oct 15 2014
WHITE MOUNTAINS INSURANCE GROUP LTD Files SEC form 8-K, Other Events Oct 14 2014
White Mountains Takes 63% Stake in Web Insurance Broker Tranzact Oct 13 2014
TRANZACT Receives Majority Investment From White Mountains Oct 13 2014
White Mountains' (WTM) Ratings Affirmed by A. M. Best Oct 06 2014
A.M. Best Affirms Ratings of White Mountains Insurance Group, Ltd., Its Subsidiaries and OneBeacon... Oct 03 2014
When companies flee US tax system, investors often don't reap big returns Aug 18 2014
WHITE MOUNTAINS INSURANCE GROUP LTD Files SEC form 8-K, Results of Operations and Financial... Jul 29 2014
White Mountains Reports Adjusted Book Value Per Share Of $667, Up 1.7% For The Quarter Jul 29 2014

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