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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 0.49
WTM's Cash to Debt is ranked higher than
61% of the 197 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.89 vs. WTM: 0.49 )
WTM' s 10-Year Cash to Debt Range
Min: 0   Max: No Debt
Current: 0.49

Equity to Asset 0.33
WTM's Equity to Asset is ranked higher than
84% of the 195 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 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
58% of the 163 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 22.74 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: 6
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 (%) 16.88
WTM's Operating margin (%) is ranked higher than
84% of the 198 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.16 vs. WTM: 16.88 )
WTM' s 10-Year Operating margin (%) Range
Min: -38.52   Max: 42.07
Current: 16.88

-38.52
42.07
Net-margin (%) 15.06
WTM's Net-margin (%) is ranked higher than
86% of the 198 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.15 vs. WTM: 15.06 )
WTM' s 10-Year Net-margin (%) Range
Min: -18.79   Max: 49.1
Current: 15.06

-18.79
49.1
ROE (%) 8.92
WTM's ROE (%) is ranked higher than
70% of the 197 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.05 vs. WTM: 8.92 )
WTM' s 10-Year ROE (%) Range
Min: -19.16   Max: 85.8
Current: 8.92

-19.16
85.8
ROA (%) 2.96
WTM's ROA (%) is ranked higher than
76% of the 198 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.87 vs. WTM: 2.96 )
WTM' s 10-Year ROA (%) Range
Min: -3.49   Max: 12.89
Current: 2.96

-3.49
12.89
Revenue Growth (%) 11.60
WTM's Revenue Growth (%) is ranked higher than
83% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

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

-24.1
155.6
EBITDA Growth (%) 30.00
WTM's EBITDA Growth (%) is ranked higher than
91% of the 172 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.60 vs. WTM: 30.00 )
WTM' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 69.1
Current: 30

0
69.1
EPS Growth (%) 55.40
WTM's EPS Growth (%) is ranked higher than
98% of the 168 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. WTM: 55.40 )
WTM' s 10-Year EPS Growth (%) 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
2014

WTM Guru Trades in 2014

Martin Whitman 81,699 sh (+46.68%)
» 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
Martin Whitman 2014-07-31 Add 46.68%0.76%$587.68 - $621 $ 639.296%81699
Arnold Van Den Berg 2014-06-30 New Buy0.47%$585.91 - $607.95 $ 639.297%8875
Joel Greenblatt 2014-06-30 New Buy$585.91 - $607.95 $ 639.297%427
Martin Whitman 2013-10-31 Add 13.76%0.17%$555.82 - $597 $ 639.2912%54421
John Burbank 2013-06-30 Sold Out 0.01%$565.03 - $610.5 $ 639.2910%0
John Burbank 2013-03-31 New Buy0.01%$515 - $579.31 $ 639.2915%359
Martin Whitman 2012-10-31 Add 32.08%0.23%$509.6 - $534.63 $ 639.2923%42953
Martin Whitman 2012-07-31 Add 50.36%0.22%$499 - $545.91 $ 639.2922%32520
Martin Whitman 2012-04-30 New Buy0.44%$451.24 - $527.16 $ 639.2929%21628
George Soros 2011-12-31 Sold Out 0.03%$398.21 - $453.46 $ 639.2951%0
Tom Gayner 2011-09-30 Sold Out 1.6843%$377 - $431.32 $ 639.2957%0
Premium More recent guru trades are included for Premium Members only!!
» 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) 10.60
WTM's P/E(ttm) is ranked higher than
83% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.40 vs. WTM: 10.60 )
WTM' s 10-Year P/E(ttm) Range
Min: 4.18   Max: 89.6
Current: 10.6

4.18
89.6
P/B 1.00
WTM's P/B is ranked higher than
85% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 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
63% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.22 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 35.80
WTM's PFCF is ranked higher than
59% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.59 vs. WTM: 35.80 )
WTM' s 10-Year PFCF Range
Min: 7.41   Max: 85.91
Current: 35.8

7.41
85.91
EV-to-EBIT 11.55
WTM's EV-to-EBIT is ranked higher than
64% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.33 vs. WTM: 11.55 )
WTM' s 10-Year EV-to-EBIT Range
Min: 2.7   Max: 36.7
Current: 11.55

2.7
36.7
Shiller P/E 16.30
WTM's Shiller P/E is ranked higher than
83% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.45 vs. WTM: 16.30 )
WTM' s 10-Year Shiller P/E Range
Min: 6.31   Max: 24.34
Current: 16.3

6.31
24.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.20
WTM's Dividend Yield is ranked lower than
94% of the 159 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.50 vs. WTM: 0.20 )
WTM' s 10-Year Dividend Yield Range
Min: 0.16   Max: 1.92
Current: 0.2

0.16
1.92
Dividend Payout 0.02
WTM's Dividend Payout is ranked higher than
99% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.46 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
92% of the 161 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.22 vs. WTM: 0.20 )
WTM' s 10-Year Yield on cost (5-Year) Range
Min: 0.16   Max: 1.92
Current: 0.2

0.16
1.92
Share Buyback Rate 10.60
WTM's Share Buyback Rate is ranked higher than
97% of the 157 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 0.95
WTM's Price/Tangible Book is ranked higher than
88% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.47 vs. WTM: 0.95 )
WTM' s 10-Year Price/Tangible Book Range
Min: 0.53   Max: 1.97
Current: 0.95

0.53
1.97
Price/DCF (Projected) 1.43
WTM's Price/DCF (Projected) is ranked higher than
63% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.66 vs. WTM: 1.43 )
WTM' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 71.14
Current: 1.43

0.3
71.14
Price/Median PS Value 1.17
WTM's Price/Median PS Value is ranked higher than
67% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. WTM: 1.17 )
WTM' s 10-Year Price/Median PS Value Range
Min: 0.39   Max: 3.24
Current: 1.17

0.39
3.24
Price/Peter Lynch Fair Value 1.24
WTM's Price/Peter Lynch Fair Value is ranked higher than
90% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. WTM: 1.24 )
WTM' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.31   Max: 7.24
Current: 1.24

0.31
7.24
Price/Graham Number 0.66
WTM's Price/Graham Number is ranked higher than
89% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.89 vs. WTM: 0.66 )
WTM' s 10-Year Price/Graham Number Range
Min: 0.26   Max: 2.03
Current: 0.66

0.26
2.03
Earnings Yield (Greenblatt) 8.70
WTM's Earnings Yield (Greenblatt) is ranked higher than
61% of the 197 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. WTM: 8.70 )
WTM' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.7   Max: 37.1
Current: 8.7

2.7
37.1
Forward Rate of Return (Yacktman) 6.66
WTM's Forward Rate of Return (Yacktman) is ranked higher than
70% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.75 vs. WTM: 6.66 )
WTM' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -9.1   Max: 35
Current: 6.66

-9.1
35

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 whose main businesses are conducted through its property and casualty insurance and reinsurance subsidiaries and affiliates. White Mountains' reportable segments are OneBeacon, White Mountains Re, Esurance and Other Operations. The OneBeacon segment consists of OneBeacon Insurance Group, Ltd., an exempted Bermuda limited liability company that owns a family of U.S.-based property and casualty insurance companies, most of which operate in a multi-company pool. OneBeacon offers a range of specialty, commercial and personal products and services sold mainly through select independent agents and brokers. The White Mountains Re segment consists of White Mountains Re Ltd., an exempted Bermuda limited liability company, and its subsidiaries. White Mountains Re offers reinsurance capacity for property, casualty, accident & health, agriculture, aviation and space, and certain other exposures on a worldwide basis through its subsidiaries, Sirius International Insurance Corporation (WMRe Sirius) and White Mountains Reinsurance Company of America. The Esurance segment consists of Esurance Holdings, Inc., its subsidiaries and Answer Financial Inc. Esurance sells personal auto insurance directly to customers online and through select online agents. Answer Financial, which White Mountains acquired during 2008, is an independent personal insurance agency that sells insurance online and through call centers for many insurance companies, including Esurance, utilizing a comparison quoting platform. OneBeacon's business is managed through two underwriting units: specialty lines; and personal lines, nearly all of which is subject to the Personal Lines Transaction. OneBeacon's specialty lines businesses are national in scope, while its personal lines have been exclusively available in the eight Northeastern states (the New England states, New York and New Jersey). OneBeacon's specialty lines are a collection of niche businesses that focus on solving the unique needs of particular customer groups on a national scale. OneBeacon's specialty lines businesses provide distinct products and offer tailored coverages and services, managed by teams of market specialists. OneBeacon's specialty lines businesses include: OneBeacon Professional Insurance (OBPI); Collector Cars and Boats; International Marine Underwriters (IMU); Technology; Property and Inland Marine (PIM): A.W.G. Dewar (Dewar); Specialty Accident and Health (A&H); Entertainment Brokers International Insurance Services (EBI); Financial Services; OneBeacon Specialty Property (OBSP); OneBeacon Government Risks (OBGR); and OneBeacon Energy (OBEG). OneBeacon's traditional personal lines provided a comprehensive suite of personal insurance products sold through select independent agents with a focus on eight Northeastern states. OneBeacon's personal lines products include: Automobile; Homeowners; and Package. OneBeacon
» 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 

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