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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.47
WTM's Cash to Debt is ranked lower than
79% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.58 vs. WTM: 0.47 )
Ranked among companies with meaningful Cash to Debt only.
WTM' s 10-Year Cash to Debt Range
Min: 0  Med: 0.27 Max: N/A
Current: 0.47
Equity to Asset 0.38
WTM's Equity to Asset is ranked higher than
77% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. WTM: 0.38 )
Ranked among companies with meaningful Equity to Asset only.
WTM' s 10-Year Equity to Asset Range
Min: 0.04  Med: 0.25 Max: 0.4
Current: 0.38
0.04
0.4
Interest Coverage 7.20
WTM's Interest Coverage is ranked lower than
79% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. WTM: 7.20 )
Ranked among companies with meaningful Interest Coverage only.
WTM' s 10-Year Interest Coverage Range
Min: 0.92  Med: 6.43 Max: 9999.99
Current: 7.2
0.92
9999.99
F-Score: 4
WACC vs ROIC
7.16%
3.96%
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 (%) 6.40
WTM's Operating margin (%) is ranked lower than
72% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.41 vs. WTM: 6.40 )
Ranked among companies with meaningful Operating margin (%) only.
WTM' s 10-Year Operating margin (%) Range
Min: -38.52  Med: 13.21 Max: 42.07
Current: 6.4
-38.52
42.07
Net-margin (%) 8.33
WTM's Net-margin (%) is ranked lower than
52% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.74 vs. WTM: 8.33 )
Ranked among companies with meaningful Net-margin (%) only.
WTM' s 10-Year Net-margin (%) Range
Min: -18.79  Med: 11.54 Max: 49.1
Current: 8.33
-18.79
49.1
ROE (%) 5.23
WTM's ROE (%) is ranked lower than
82% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.46 vs. WTM: 5.23 )
Ranked among companies with meaningful ROE (%) only.
WTM' s 10-Year ROE (%) Range
Min: -22.66  Med: 8.89 Max: 105.12
Current: 5.23
-22.66
105.12
ROA (%) 1.88
WTM's ROA (%) is ranked lower than
69% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.85 vs. WTM: 1.88 )
Ranked among companies with meaningful ROA (%) only.
WTM' s 10-Year ROA (%) Range
Min: -3.18  Med: 2.40 Max: 14.59
Current: 1.88
-3.18
14.59
Revenue Growth (3Y)(%) 14.70
WTM's Revenue Growth (3Y)(%) is ranked higher than
84% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. WTM: 14.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WTM' s 10-Year Revenue Growth (3Y)(%) Range
Min: -24.1  Med: 11.60 Max: 155.6
Current: 14.7
-24.1
155.6
EBITDA Growth (3Y)(%) 52.20
WTM's EBITDA Growth (3Y)(%) is ranked higher than
78% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.30 vs. WTM: 52.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WTM' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 7.70 Max: 69.1
Current: 52.2
0
69.1
EPS Growth (3Y)(%) 40.80
WTM's EPS Growth (3Y)(%) is ranked higher than
71% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.60 vs. WTM: 40.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WTM' s 10-Year EPS Growth (3Y)(%) Range
Min: -28.9  Med: 36.70 Max: 212
Current: 40.8
-28.9
212
» WTM's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q1 2015

WTM Guru Trades in Q1 2015

Chuck Royce 5,634 sh (+9.74%)
Jim Simons 31,200 sh (+7.96%)
HOTCHKIS & WILEY 249,580 sh (+0.61%)
Murray Stahl 728 sh (unchged)
Martin Whitman 81,699 sh (unchged)
Third Avenue Management 149,970 sh (-2.91%)
Arnold Van Den Berg 7,825 sh (-8.51%)
» More
Q2 2015

WTM Guru Trades in Q2 2015

Jim Simons 33,700 sh (+8.01%)
Chuck Royce 5,634 sh (unchged)
Arnold Van Den Berg 13,310 sh (unchged)
Murray Stahl 728 sh (unchged)
Martin Whitman 81,699 sh (unchged)
HOTCHKIS & WILEY 249,380 sh (-0.08%)
Arnold Van Den Berg 7,462 sh (-4.64%)
Third Avenue Management 130,867 sh (-12.74%)
» 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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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

Ratios

vs
industry
vs
history
P/E(ttm) 21.08
WTM's P/E(ttm) is ranked lower than
92% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. WTM: 21.08 )
Ranked among companies with meaningful P/E(ttm) only.
WTM' s 10-Year P/E(ttm) Range
Min: 4.18  Med: 13.93 Max: 89.6
Current: 21.08
4.18
89.6
Forward P/E 13.70
WTM's Forward P/E is ranked lower than
58% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.18 vs. WTM: 13.70 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 20.90
WTM's PE(NRI) is ranked lower than
93% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. WTM: 20.90 )
Ranked among companies with meaningful PE(NRI) only.
WTM' s 10-Year PE(NRI) Range
Min: 5.94  Med: 13.76 Max: 41.44
Current: 20.9
5.94
41.44
P/B 1.12
WTM's P/B is ranked higher than
61% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. WTM: 1.12 )
Ranked among companies with meaningful P/B only.
WTM' s 10-Year P/B Range
Min: 0.51  Med: 0.95 Max: 1.87
Current: 1.12
0.51
1.87
P/S 1.70
WTM's P/S is ranked lower than
75% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. WTM: 1.70 )
Ranked among companies with meaningful P/S only.
WTM' s 10-Year P/S Range
Min: 0.54  Med: 1.39 Max: 1.82
Current: 1.7
0.54
1.82
PFCF 49.51
WTM's PFCF is ranked lower than
90% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.07 vs. WTM: 49.51 )
Ranked among companies with meaningful PFCF only.
WTM' s 10-Year PFCF Range
Min: 7.41  Med: 35.05 Max: 85.91
Current: 49.51
7.41
85.91
POCF 35.64
WTM's POCF is ranked lower than
95% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.98 vs. WTM: 35.64 )
Ranked among companies with meaningful POCF only.
WTM' s 10-Year POCF Range
Min: 7.04  Med: 31.84 Max: 68.05
Current: 35.64
7.04
68.05
EV-to-EBIT 21.61
WTM's EV-to-EBIT is ranked lower than
92% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.41 vs. WTM: 21.61 )
Ranked among companies with meaningful EV-to-EBIT only.
WTM' s 10-Year EV-to-EBIT Range
Min: -12.4  Med: 13.30 Max: 36.7
Current: 21.61
-12.4
36.7
PEG 3.43
WTM's PEG is ranked lower than
90% of the 52 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. WTM: 3.43 )
Ranked among companies with meaningful PEG only.
WTM' s 10-Year PEG Range
Min: 0.25  Med: 0.82 Max: 1.68
Current: 3.43
0.25
1.68
Shiller P/E 14.81
WTM's Shiller P/E is ranked higher than
71% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.48 vs. WTM: 14.81 )
Ranked among companies with meaningful Shiller P/E only.
WTM' s 10-Year Shiller P/E Range
Min: 6.26  Med: 14.96 Max: 24.28
Current: 14.81
6.26
24.28
Days Sales Outstanding 3.37
WTM's Days Sales Outstanding is ranked higher than
94% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 87.94 vs. WTM: 3.37 )
Ranked among companies with meaningful Days Sales Outstanding only.
WTM' s 10-Year Days Sales Outstanding Range
Min: 0.58  Med: 8.22 Max: 124.54
Current: 3.37
0.58
124.54

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.14
WTM's Dividend Yield is ranked lower than
128% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.99 vs. WTM: 0.14 )
Ranked among companies with meaningful Dividend Yield only.
WTM' s 10-Year Dividend Yield Range
Min: 0.14  Med: 0.30 Max: 2.83
Current: 0.14
0.14
2.83
Dividend Payout 0.03
WTM's Dividend Payout is ranked higher than
99% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.34 vs. WTM: 0.03 )
Ranked among companies with meaningful Dividend Payout only.
WTM' s 10-Year Dividend Payout Range
Min: 0.01  Med: 0.15 Max: 0.75
Current: 0.03
0.01
0.75
Yield on cost (5-Year) 0.14
WTM's Yield on cost (5-Year) is ranked lower than
129% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.24 vs. WTM: 0.14 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WTM' s 10-Year Yield on cost (5-Year) Range
Min: 0.14  Med: 0.30 Max: 2.83
Current: 0.14
0.14
2.83
Share Buyback Rate 8.60
WTM's Share Buyback Rate is ranked higher than
98% of the 88 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.60 vs. WTM: 8.60 )
Ranked among companies with meaningful Share Buyback Rate only.
WTM' s 10-Year Share Buyback Rate Range
Min: 24.2  Med: 7.40 Max: -59.8
Current: 8.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
WTM's Price/Tangible Book is ranked higher than
64% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.41 vs. WTM: 1.20 )
Ranked among companies with meaningful Price/Tangible Book only.
WTM' s 10-Year Price/Tangible Book Range
Min: 0.53  Med: 1.10 Max: 1.99
Current: 1.2
0.53
1.99
Price/Projected FCF 1.63
WTM's Price/Projected FCF is ranked lower than
88% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.75 vs. WTM: 1.63 )
Ranked among companies with meaningful Price/Projected FCF only.
WTM' s 10-Year Price/Projected FCF Range
Min: 0.3  Med: 1.49 Max: 19.61
Current: 1.63
0.3
19.61
Price/Median PS Value 1.23
WTM's Price/Median PS Value is ranked lower than
69% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. WTM: 1.23 )
Ranked among companies with meaningful Price/Median PS Value only.
WTM' s 10-Year Price/Median PS Value Range
Min: 0.38  Med: 1.05 Max: 2.97
Current: 1.23
0.38
2.97
Price/Peter Lynch Fair Value 0.83
WTM's Price/Peter Lynch Fair Value is ranked lower than
65% of the 43 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.58 vs. WTM: 0.83 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
WTM' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.34  Med: 0.65 Max: 7.24
Current: 0.83
0.34
7.24
Price/Graham Number 1.15
WTM's Price/Graham Number is ranked lower than
76% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.85 vs. WTM: 1.15 )
Ranked among companies with meaningful Price/Graham Number only.
WTM' s 10-Year Price/Graham Number Range
Min: 0.25  Med: 0.73 Max: 1.81
Current: 1.15
0.25
1.81
Earnings Yield (Greenblatt) (%) 4.59
WTM's Earnings Yield (Greenblatt) (%) is ranked lower than
80% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.90 vs. WTM: 4.59 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WTM' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.7  Med: 7.10 Max: 37.1
Current: 4.59
2.7
37.1
Forward Rate of Return (Yacktman) (%) 24.09
WTM's Forward Rate of Return (Yacktman) (%) is ranked higher than
59% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.82 vs. WTM: 24.09 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
WTM' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -6.5  Med: -1.00 Max: 32.6
Current: 24.09
-6.5
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
White Mountains to Boost Shareholder Value, Raises Buyback Aug 28 2015
White Mountains Announces Additional Share Repurchase Authorisation Aug 27 2015
4:31 pm White Mountains Ins. Grp. authorizes an additional repurchase of up to 500K common stock... Aug 27 2015
White Mountains Announces Additional Share Repurchase Authorisation Aug 27 2015
WHITE MOUNTAINS INSURANCE GROUP LTD Financials Aug 07 2015
10-Q for White Mountains Insurance Group Ltd. Aug 05 2015
WHITE MOUNTAINS INSURANCE GROUP LTD Files SEC form 10-Q, Quarterly Report Aug 03 2015
WHITE MOUNTAINS INSURANCE GROUP LTD Files SEC form 8-K, Change in Directors or Principal Officers Jul 30 2015
White Mountains selling reinsurer Sirius to China Minsheng Inv Jul 27 2015
WHITE MOUNTAINS INSURANCE GROUP LTD Files SEC form 8-K, Results of Operations and Financial... Jul 27 2015
White Mountains to Sell Sirius to CMI Jul 27 2015
White Mountains posts 2Q profit Jul 27 2015
White Mountains posts 2Q profit Jul 27 2015
White Mountains Reports Adjusted Book Value Per Share Of $671 Jul 27 2015
White Mountains to Sell Sirius to CMI Jul 27 2015
Four Buy and Hold Stocks for Millennials Jun 19 2015
Sirius Group Expands to a Global Footprint of AIR Models Jun 17 2015
Sirius Group Expands to a Global Footprint of AIR Models Jun 17 2015
Sirius Group Expands to a Global Footprint of AIR Models Jun 17 2015
WHITE MOUNTAINS INSURANCE GROUP LTD Files SEC form 8-K, Regulation FD Disclosure Jun 12 2015

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