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Also traded in: Germany

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 5.59
WTM's Cash-to-Debt is ranked higher than
53% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.82 vs. WTM: 5.59 )
Ranked among companies with meaningful Cash-to-Debt only.
WTM' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 0.33 Max: 6.32
Current: 5.59
0
6.32
Equity-to-Asset 0.96
WTM's Equity-to-Asset is ranked higher than
99% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. WTM: 0.96 )
Ranked among companies with meaningful Equity-to-Asset only.
WTM' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.29 Max: 0.96
Current: 0.96
0.04
0.96
Debt-to-Equity 0.01
WTM's Debt-to-Equity is ranked higher than
99% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. WTM: 0.01 )
Ranked among companies with meaningful Debt-to-Equity only.
WTM' s Debt-to-Equity Range Over the Past 10 Years
Min: 0  Med: 0.29 Max: 6.32
Current: 0.01
0
6.32
Debt-to-EBITDA -0.74
WTM's Debt-to-EBITDA is ranked higher than
87% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.62 vs. WTM: -0.74 )
Ranked among companies with meaningful Debt-to-EBITDA only.
WTM' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1.33  Med: 2.3 Max: 17.07
Current: -0.74
-1.33
17.07
Beneish M-Score: -1.55
WACC vs ROIC
4.83%
-1.42%
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 : 1/10

vs
industry
vs
history
Net Margin % 167.81
WTM's Net Margin % is ranked higher than
99% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.25 vs. WTM: 167.81 )
Ranked among companies with meaningful Net Margin % only.
WTM' s Net Margin % Range Over the Past 10 Years
Min: -18.79  Med: 22.87 Max: 254.79
Current: 167.81
-18.79
254.79
ROE % 15.87
WTM's ROE % is ranked higher than
89% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.75 vs. WTM: 15.87 )
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: 15.87
-14.59
19.84
ROA % 11.41
WTM's ROA % is ranked higher than
98% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.09 vs. WTM: 11.41 )
Ranked among companies with meaningful ROA % only.
WTM' s ROA % Range Over the Past 10 Years
Min: -3.18  Med: 2.81 Max: 12.32
Current: 11.41
-3.18
12.32
3-Year Revenue Growth Rate -27.80
WTM's 3-Year Revenue Growth Rate is ranked lower than
99% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.30 vs. WTM: -27.80 )
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: -47.5  Med: 0.5 Max: 106.5
Current: -27.8
-47.5
106.5
3-Year EBITDA Growth Rate 32.00
WTM's 3-Year EBITDA Growth Rate is ranked higher than
88% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.70 vs. WTM: 32.00 )
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: 0  Med: 4.4 Max: 87.4
Current: 32
0
87.4
3-Year EPS without NRI Growth Rate 9.90
WTM's 3-Year EPS without NRI Growth Rate is ranked higher than
68% of the 106 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.50 vs. WTM: 9.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
WTM' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -13.5 Max: 212
Current: 9.9
0
212
GuruFocus has detected 3 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 30-Y Financials

Financials (Next Earnings Date: 2018-08-03)


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

» Details

Guru Trades

Q3 2017

WTM Guru Trades in Q3 2017

George Soros 400 sh (New)
Murray Stahl 532 sh (unchged)
Caxton Associates Sold Out
Third Avenue Management 32,601 sh (-1.31%)
Chuck Royce 2,329 sh (-4.31%)
Paul Tudor Jones 549 sh (-14.08%)
Jim Simons 33,300 sh (-19.37%)
Martin Whitman 26,727 sh (-50.71%)
» More
Q4 2017

WTM Guru Trades in Q4 2017

Paul Tudor Jones 570 sh (+3.83%)
Third Avenue Management 33,848 sh (+3.83%)
Murray Stahl 532 sh (unchged)
Martin Whitman 26,727 sh (unchged)
George Soros Sold Out
Chuck Royce 2,249 sh (-3.43%)
Jim Simons 12,200 sh (-63.36%)
» More
Q1 2018

WTM Guru Trades in Q1 2018

Paul Tudor Jones 1,378 sh (+141.75%)
Third Avenue Management 34,195 sh (+1.03%)
Chuck Royce 2,249 sh (unchged)
Murray Stahl 532 sh (unchged)
Martin Whitman 26,727 sh (unchged)
Jim Simons 11,011 sh (-9.75%)
» More
2018

WTM Guru Trades in 2018

Martin Whitman 26,727 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Third Avenue Management 2018-03-31 Add 1.03%0.01%$789.05 - $853.12 $ 910.6710%34,195
Third Avenue Management 2017-12-31 Add 3.83%0.05%$844 - $895.9 $ 910.674%33,848
George Soros 2017-12-31 Sold Out 0.01%$844 - $895.9 $ 910.674%0
Third Avenue Management 2017-09-30 Reduce -1.31%0.02%$842.87 - $876.98 $ 910.676%32,601
George Soros 2017-09-30 New Buy0.01%$842.87 - $876.98 $ 910.676%400
Martin Whitman 2017-07-31 Reduce -50.71%2.2%$849.92 - $879.92 $ 910.675%26,727
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NAS:ANAT, NAS:SIGI, XKRX:005830, NYSE:RLI, NAS:NGHC, NYSE:MCY, NYSE:PRA, NAS:AFSI, LSE:HSTG, TSX:ELF, LSE:BEZ, XKRX:000060, XPAR:COFA, OCSE:ALMB, NAS:AGII, NAS:NAVG, NYSE:AXS, NYSE:THG, BOM:540716, NAS:IPCC » details
Traded in other countries:WNI.Germany,
Headquarter Location:USA
White Mountains Insurance Group Ltd provides specialty property and casualty insurance and offers a range of insurance products in the United States. It operates its business through three segments, OneBeacon, HG Global/BAM and White Mountains Advisors.

White Mountains Insurance Group Ltd is a US-based financial service holding company with primary business interests in property and casualty insurance and reinsurance. Business activity of the firm is operated through OneBeacon, HG Global/BAM, and Other Operations. The OneBeacon segment consists of specialty property and casualty insurance writer that offer insurance products through independent agencies, regional and national brokers, and managing general agencies. The HG Global/BAM segment offers insurance on municipal bonds issued to finance public purposes. The Other Operations segment provides investment management services of assets under management.

Ratios

vs
industry
vs
history
PE Ratio 6.88
WTM's PE Ratio is ranked higher than
96% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.27 vs. WTM: 6.88 )
Ranked among companies with meaningful PE Ratio only.
WTM' s PE Ratio Range Over the Past 10 Years
Min: 4.21  Med: 12.68 Max: 95.03
Current: 6.88
4.21
95.03
Price-to-Owner-Earnings 5.87
WTM's Price-to-Owner-Earnings is ranked higher than
95% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.52 vs. WTM: 5.87 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
WTM' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.41  Med: 10.79 Max: 87.3
Current: 5.87
4.41
87.3
PB Ratio 0.99
WTM's PB Ratio is ranked higher than
79% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.43 vs. WTM: 0.99 )
Ranked among companies with meaningful PB Ratio only.
WTM' s PB Ratio Range Over the Past 10 Years
Min: 0.51  Med: 0.94 Max: 1.31
Current: 0.99
0.51
1.31
PS Ratio 11.14
WTM's PS Ratio is ranked lower than
92% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.22 vs. WTM: 11.14 )
Ranked among companies with meaningful PS Ratio only.
WTM' s PS Ratio Range Over the Past 10 Years
Min: 0.54  Med: 1.68 Max: 42.63
Current: 11.14
0.54
42.63
EV-to-EBIT -47.98
WTM's EV-to-EBIT is ranked lower than
92% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.73 vs. WTM: -47.98 )
Ranked among companies with meaningful EV-to-EBIT only.
WTM' s EV-to-EBIT Range Over the Past 10 Years
Min: -47.9  Med: 11 Max: 243.2
Current: -47.98
-47.9
243.2
EV-to-EBITDA -83.50
WTM's EV-to-EBITDA is ranked lower than
91% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. WTM: -83.50 )
Ranked among companies with meaningful EV-to-EBITDA only.
WTM' s EV-to-EBITDA Range Over the Past 10 Years
Min: -82.7  Med: 11 Max: 84.4
Current: -83.5
-82.7
84.4
EV-to-Revenue 7.33
WTM's EV-to-Revenue is ranked lower than
91% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.19 vs. WTM: 7.33 )
Ranked among companies with meaningful EV-to-Revenue only.
WTM' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.3  Med: 1.6 Max: 31.3
Current: 7.33
0.3
31.3
Shiller PE Ratio 16.70
WTM's Shiller PE Ratio is ranked higher than
75% of the 69 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.40 vs. WTM: 16.70 )
Ranked among companies with meaningful Shiller PE Ratio only.
WTM' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.1  Med: 15.73 Max: 21.96
Current: 16.7
7.1
21.96

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.11
WTM's Dividend Yield % is ranked lower than
99.99% of the 194 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.98 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: 0.18 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: 3.17 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 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.91 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: 0.18 Max: 2.83
Current: 0.11
0.11
2.83
3-Year Average Share Buyback Ratio 14.50
WTM's 3-Year Average Share Buyback Ratio is ranked higher than
98% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.40 vs. WTM: 14.50 )
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: 8.1 Max: 34.7
Current: 14.5
-15.3
34.7

Valuation & Return

vs
industry
vs
history
Price-to-Net-Cash 5.77
WTM's Price-to-Net-Cash is ranked lower than
67% of the 6 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 26.20 vs. WTM: 5.77 )
Ranked among companies with meaningful Price-to-Net-Cash only.
WTM' s Price-to-Net-Cash Range Over the Past 10 Years
Min: 5.21  Med: 5.6 Max: 5.99
Current: 5.77
5.21
5.99
Price-to-Tangible-Book 1.01
WTM's Price-to-Tangible-Book is ranked higher than
81% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.70 vs. WTM: 1.01 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
WTM' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.53  Med: 0.98 Max: 1.99
Current: 1.01
0.53
1.99
Price-to-Intrinsic-Value-Projected-FCF 1.44
WTM's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
63% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.84 vs. WTM: 1.44 )
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: 0.18  Med: 1.34 Max: 30.39
Current: 1.44
0.18
30.39
Price-to-Median-PS-Value 6.67
WTM's Price-to-Median-PS-Value is ranked lower than
99% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.18 vs. WTM: 6.67 )
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: 0.25  Med: 0.97 Max: 25.29
Current: 6.67
0.25
25.29
Earnings Yield (Greenblatt) % -2.08
WTM's Earnings Yield (Greenblatt) % is ranked lower than
79% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.78 vs. WTM: -2.08 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
WTM' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -108  Med: 4.85 Max: 40.5
Current: -2.08
-108
40.5
Forward Rate of Return (Yacktman) % -10.95
WTM's Forward Rate of Return (Yacktman) % is ranked lower than
93% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.52 vs. WTM: -10.95 )
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: -12.6  Med: 0.3 Max: 19.9
Current: -10.95
-12.6
19.9

More Statistics

Revenue (TTM) (Mil) $329.00
EPS (TTM) $ 132.38
Beta0.32
Volatility10.56%
52-Week Range $786.23 - 933.70
Shares Outstanding (Mil)3.75

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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