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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.52
WTM's Cash-to-Debt is ranked lower than
75% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.19 vs. WTM: 0.52 )
Ranked among companies with meaningful Cash-to-Debt only.
WTM' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.53 Max: N/A
Current: 0.52
Equity-to-Asset 0.55
WTM's Equity-to-Asset is ranked higher than
94% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. WTM: 0.55 )
Ranked among companies with meaningful Equity-to-Asset only.
WTM' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.27 Max: 0.55
Current: 0.55
0.08
0.55
Beneish M-Score: -3.11
WACC vs ROIC
4.70%
0.18%
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 : 3/10

vs
industry
vs
history
Operating Margin % -2.64
WTM's Operating Margin % is ranked lower than
90% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.95 vs. WTM: -2.64 )
Ranked among companies with meaningful Operating Margin % only.
WTM' s Operating Margin % Range Over the Past 10 Years
Min: -38.52  Med: 8.91 Max: 17.26
Current: -2.64
-38.52
17.26
Net Margin % 29.08
WTM's Net Margin % is ranked higher than
95% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.94 vs. WTM: 29.08 )
Ranked among companies with meaningful Net Margin % only.
WTM' s Net Margin % Range Over the Past 10 Years
Min: -18.79  Med: 14.49 Max: 35.34
Current: 29.08
-18.79
35.34
ROE % 10.95
WTM's ROE % is ranked higher than
67% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.23 vs. WTM: 10.95 )
Ranked among companies with meaningful ROE % only.
WTM' s ROE % Range Over the Past 10 Years
Min: -14.59  Med: 8.28 Max: 19.84
Current: 10.95
-14.59
19.84
ROA % 5.03
WTM's ROA % is ranked higher than
90% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.16 vs. WTM: 5.03 )
Ranked among companies with meaningful ROA % only.
WTM' s ROA % Range Over the Past 10 Years
Min: -3.18  Med: 2.67 Max: 5.37
Current: 5.03
-3.18
5.37
3-Year Revenue Growth Rate 7.70
WTM's 3-Year Revenue Growth Rate is ranked higher than
60% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.70 vs. WTM: 7.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
WTM' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -14.7  Med: -1.2 Max: 106.5
Current: 7.7
-14.7
106.5
3-Year EBITDA Growth Rate -37.20
WTM's 3-Year EBITDA Growth Rate is ranked lower than
94% of the 106 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -2.60 vs. WTM: -37.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
WTM' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -44.6  Med: -6.1 Max: 49.4
Current: -37.2
-44.6
49.4
GuruFocus has detected 4 Warning Signs with White Mountains Insurance Group Ltd $WTM.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» WTM's 10-Y Financials

Financials (Next Earnings Date: 2017-05-07 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

WTM Guru Trades in Q1 2016

HOTCHKIS & WILEY Sold Out
George Soros Sold Out
Jim Simons 37,100 sh (-2.88%)
Third Avenue Management 72,359 sh (-18.96%)
Murray Stahl 689 sh (-19.88%)
Chuck Royce 2,534 sh (-55.02%)
Martin Whitman 63,199 sh (-14.59%)
» More
Q2 2016

WTM Guru Trades in Q2 2016

Murray Stahl 689 sh (unchged)
Chuck Royce 2,534 sh (unchged)
Third Avenue Management 68,390 sh (-5.49%)
Jim Simons 19,800 sh (-46.63%)
Martin Whitman 55,799 sh (-11.71%)
» More
Q3 2016

WTM Guru Trades in Q3 2016

Chuck Royce 2,534 sh (unchged)
Murray Stahl Sold Out
Third Avenue Management 66,101 sh (-3.35%)
Jim Simons 12,800 sh (-35.35%)
Martin Whitman 54,227 sh (-2.82%)
» More
Q4 2016

WTM Guru Trades in Q4 2016

Murray Stahl 689 sh (New)
Paul Tudor Jones 1,047 sh (New)
George Soros 300 sh (New)
Jim Simons 17,600 sh (+37.50%)
Martin Whitman 54,227 sh (unchged)
Third Avenue Management 64,091 sh (-3.04%)
Chuck Royce 2,434 sh (-3.95%)
» 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%)

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NYSE:AXS, NAS:BWINB » details
White Mountains Insurance Group Ltd is a financial services holding company. The Company through its subsidiaries is engaged in providing insurance, reinsurance and insurance services including property and casualty insurance and reinsurance.

White Mountains Insurance Group is a Bermuda-based insurance holding company. Subsidiaries include OneBeacon, which offers specialty commercial and property insurance, and Sirius Group, a reinsurer. White Mountains Advisors invests the firm's capital and manages more than $20 billion of client assets. The company has One beacon and HG Global and BAM segments.

Ratios

vs
industry
vs
history
PE Ratio 10.56
WTM's PE Ratio is ranked higher than
76% of the 139 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.40 vs. WTM: 10.56 )
Ranked among companies with meaningful PE Ratio only.
WTM' s PE Ratio Range Over the Past 10 Years
Min: 4.21  Med: 13.21 Max: 95.03
Current: 10.56
4.21
95.03
PE Ratio without NRI 17711.80
WTM's PE Ratio without NRI is ranked lower than
100% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.25 vs. WTM: 17711.80 )
Ranked among companies with meaningful PE Ratio without NRI only.
WTM' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.94  Med: 17.92 Max: 18777.4
Current: 17711.8
5.94
18777.4
Price-to-Owner-Earnings 15.69
WTM's Price-to-Owner-Earnings is ranked lower than
77% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.89 vs. WTM: 15.69 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
WTM' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.6  Med: 10.73 Max: 59.77
Current: 15.69
4.6
59.77
PB Ratio 1.12
WTM's PB Ratio is ranked higher than
62% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.38 vs. WTM: 1.12 )
Ranked among companies with meaningful PB Ratio only.
WTM' s PB Ratio Range Over the Past 10 Years
Min: 0.51  Med: 0.95 Max: 1.66
Current: 1.12
0.51
1.66
PS Ratio 3.18
WTM's PS Ratio is ranked lower than
89% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. WTM: 3.18 )
Ranked among companies with meaningful PS Ratio only.
WTM' s PS Ratio Range Over the Past 10 Years
Min: 0.55  Med: 1.51 Max: 3.37
Current: 3.18
0.55
3.37
EV-to-EBITDA 90.18
WTM's EV-to-EBITDA is ranked lower than
99% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.33 vs. WTM: 90.18 )
Ranked among companies with meaningful EV-to-EBITDA only.
WTM' s EV-to-EBITDA Range Over the Past 10 Years
Min: -64.7  Med: 11.45 Max: 103.9
Current: 90.18
-64.7
103.9
Shiller PE Ratio 20.56
WTM's Shiller PE Ratio is ranked lower than
66% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.68 vs. WTM: 20.56 )
Ranked among companies with meaningful Shiller PE Ratio only.
WTM' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.11  Med: 15.72 Max: 21.8
Current: 20.56
7.11
21.8

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.11
WTM's Dividend Yield % is ranked lower than
99.99% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.74 vs. WTM: 0.11 )
Ranked among companies with meaningful Dividend Yield % only.
WTM' s Dividend Yield % Range Over the Past 10 Years
Min: 0.11  Med: 0.24 Max: 2.83
Current: 0.11
0.11
2.83
Forward Dividend Yield % 0.11
WTM's Forward Dividend Yield % is ranked lower than
99.99% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.80 vs. WTM: 0.11 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.11
WTM's 5-Year Yield-on-Cost % is ranked lower than
99.99% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.19 vs. WTM: 0.11 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
WTM' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.11  Med: 0.24 Max: 2.83
Current: 0.11
0.11
2.83
3-Year Average Share Buyback Ratio 9.60
WTM's 3-Year Average Share Buyback Ratio is ranked higher than
95% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. WTM: 9.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
WTM' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -15.3  Med: 1.1 Max: 10.8
Current: 9.6
-15.3
10.8

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.14
WTM's Price-to-Tangible-Book is ranked higher than
69% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.55 vs. WTM: 1.14 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
WTM' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.75  Med: 1.11 Max: 1.99
Current: 1.14
0.75
1.99
Price-to-Intrinsic-Value-Projected-FCF 1.87
WTM's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
86% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.83 vs. WTM: 1.87 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
WTM' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.31  Med: 1.47 Max: 11.22
Current: 1.87
0.31
11.22
Price-to-Median-PS-Value 2.11
WTM's Price-to-Median-PS-Value is ranked lower than
98% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. WTM: 2.11 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
WTM' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.44  Med: 0.93 Max: 2.11
Current: 2.11
0.44
2.11
Earnings Yield (Greenblatt) % -0.49
WTM's Earnings Yield (Greenblatt) % is ranked lower than
89% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.10 vs. WTM: -0.49 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
WTM' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -0.49  Med: 8 Max: 40.6
Current: -0.49
-0.49
40.6
Forward Rate of Return (Yacktman) % -10.73
WTM's Forward Rate of Return (Yacktman) % is ranked lower than
90% of the 72 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.71 vs. WTM: -10.73 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
WTM' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -11.1  Med: -0.8 Max: 40.4
Current: -10.73
-11.1
40.4

More Statistics

Revenue (TTM) (Mil) $1,419
EPS (TTM) $ 83.90
Beta0.33
Short Percentage of Float0.61%
52-Week Range $747.20 - 948.94
Shares Outstanding (Mil)4.56
» More Articles for WTM

Headlines

Articles On GuruFocus.com
Larry Pitkowsky's GoodHaven Fund 4th Quarter Commentary Jan 27 2017 
Third Avenue Management Comments on White Mountains Jul 23 2014 
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 
Third Avenue Management Buys Lowes, Teleflex, American Eagle Outfitters, Tellabs, Sells Pharmaceutic Nov 17 2011 

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