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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 0.44
NYSE:WTM's Cash-to-Debt is ranked lower than
76% of the 137 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.41 vs. NYSE:WTM: 0.44 )
Ranked among companies with meaningful Cash-to-Debt only.
NYSE:WTM' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 0.44 Max: N/A
Current: 0.44
Equity-to-Asset 0.56
NYSE:WTM's Equity-to-Asset is ranked higher than
93% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. NYSE:WTM: 0.56 )
Ranked among companies with meaningful Equity-to-Asset only.
NYSE:WTM' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.28 Max: 0.64
Current: 0.56
0.04
0.64
Beneish M-Score: 2.84
WACC vs ROIC
4.16%
0.55%
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 % -0.80
NYSE:WTM's Operating Margin % is ranked lower than
89% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.66 vs. NYSE:WTM: -0.80 )
Ranked among companies with meaningful Operating Margin % only.
NYSE:WTM' s Operating Margin % Range Over the Past 10 Years
Min: -38.52  Med: 8.91 Max: 17.26
Current: -0.8
-38.52
17.26
Net Margin % 31.50
NYSE:WTM's Net Margin % is ranked higher than
93% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.61 vs. NYSE:WTM: 31.50 )
Ranked among companies with meaningful Net Margin % only.
NYSE:WTM' s Net Margin % Range Over the Past 10 Years
Min: -18.79  Med: 14.49 Max: 35.34
Current: 31.5
-18.79
35.34
ROE % 11.70
NYSE:WTM's ROE % is ranked higher than
65% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.79 vs. NYSE:WTM: 11.70 )
Ranked among companies with meaningful ROE % only.
NYSE:WTM' s ROE % Range Over the Past 10 Years
Min: -14.59  Med: 8.28 Max: 19.84
Current: 11.7
-14.59
19.84
ROA % 5.83
NYSE:WTM's ROA % is ranked higher than
89% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.15 vs. NYSE:WTM: 5.83 )
Ranked among companies with meaningful ROA % only.
NYSE:WTM' s ROA % Range Over the Past 10 Years
Min: -3.18  Med: 2.67 Max: 5.83
Current: 5.83
-3.18
5.83
3-Year Revenue Growth Rate 7.70
NYSE:WTM's 3-Year Revenue Growth Rate is ranked higher than
60% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.10 vs. NYSE:WTM: 7.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NYSE:WTM' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -43.7  Med: 4.1 Max: 106.5
Current: 7.7
-43.7
106.5
3-Year EBITDA Growth Rate -37.20
NYSE:WTM's 3-Year EBITDA Growth Rate is ranked lower than
94% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.80 vs. NYSE:WTM: -37.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NYSE:WTM' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -6.1 Max: 49.4
Current: -37.2
0
49.4
GuruFocus has detected 4 Warning Signs with White Mountains Insurance Group Ltd $NYSE:WTM.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NYSE:WTM's 30-Y Financials

Financials (Next Earnings Date: 2017-08-03 Est.)


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

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NYSE:THG, NYSE:AWH, OTCPK:GCNJF, OTCPK:HCXLF, OTCPK:BZLYF, NYSE:PRA, NAS:ANAT, NYSE:MCY, NAS:SIGI, NAS:AFSI, OTCPK:ELFIF, NYSE:AXS, NYSE:RLI, NAS:NGHC, NAS:AGII, NAS:NAVG, NYSE:ENH, NAS:JRVR, NYSE:MBI, NAS:UFCS » details
Headquarter Location:USA
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 9.73
WTM's PE Ratio is ranked higher than
80% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.50 vs. WTM: 9.73 )
Ranked among companies with meaningful PE Ratio only.
WTM' s PE Ratio Range Over the Past 10 Years
Min: 4.21  Med: 12.86 Max: 95.03
Current: 9.73
4.21
95.03
PE Ratio without NRI 164.74
WTM's PE Ratio without NRI is ranked lower than
99% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.65 vs. WTM: 164.74 )
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: 17.61 Max: 176.6
Current: 164.74
5.94
176.6
Price-to-Owner-Earnings 13.17
WTM's Price-to-Owner-Earnings is ranked lower than
60% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.58 vs. WTM: 13.17 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
WTM' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.44  Med: 10.73 Max: 59.77
Current: 13.17
4.44
59.77
PB Ratio 1.09
WTM's PB Ratio is ranked higher than
64% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.34 vs. WTM: 1.09 )
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: 1.58
Current: 1.09
0.51
1.58
PS Ratio 2.98
WTM's PS Ratio is ranked lower than
85% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.16 vs. WTM: 2.98 )
Ranked among companies with meaningful PS Ratio only.
WTM' s PS Ratio Range Over the Past 10 Years
Min: 0.54  Med: 1.53 Max: 3.43
Current: 2.98
0.54
3.43
EV-to-EBIT 935.71
WTM's EV-to-EBIT is ranked lower than
100% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.52 vs. WTM: 935.71 )
Ranked among companies with meaningful EV-to-EBIT only.
WTM' s EV-to-EBIT Range Over the Past 10 Years
Min: -172.7  Med: 11.3 Max: 988.9
Current: 935.71
-172.7
988.9
EV-to-EBITDA 55.89
WTM's EV-to-EBITDA is ranked lower than
98% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.49 vs. WTM: 55.89 )
Ranked among companies with meaningful EV-to-EBITDA only.
WTM' s EV-to-EBITDA Range Over the Past 10 Years
Min: -64.7  Med: 11.4 Max: 104.4
Current: 55.89
-64.7
104.4
Shiller PE Ratio 19.91
WTM's Shiller PE Ratio is ranked lower than
58% of the 59 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.56 vs. WTM: 19.91 )
Ranked among companies with meaningful Shiller PE Ratio only.
WTM' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.07  Med: 16.08 Max: 26.45
Current: 19.91
7.07
26.45

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.12
WTM's 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: 0.12 )
Ranked among companies with meaningful Dividend Yield % only.
WTM' s Dividend Yield % Range Over the Past 10 Years
Min: 0.11  Med: 0.22 Max: 2.83
Current: 0.12
0.11
2.83
Dividend Payout Ratio 0.20
WTM's Dividend Payout Ratio is ranked higher than
76% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.37 vs. WTM: 0.20 )
Ranked among companies with meaningful Dividend Payout Ratio only.
WTM' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.01  Med: 0.04 Max: 0.21
Current: 0.2
0.01
0.21
Forward Dividend Yield % 0.12
WTM's Forward Dividend Yield % is ranked lower than
99.99% of the 194 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.80 vs. WTM: 0.12 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.12
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: 5.51 vs. WTM: 0.12 )
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: 0.22 Max: 2.83
Current: 0.12
0.11
2.83
3-Year Average Share Buyback Ratio 9.60
WTM's 3-Year Average Share Buyback Ratio is ranked higher than
96% of the 90 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: 8.1 Max: 34.7
Current: 9.6
-15.3
34.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.11
WTM's Price-to-Tangible-Book is ranked higher than
71% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.62 vs. WTM: 1.11 )
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: 0.99 Max: 1.99
Current: 1.11
0.53
1.99
Price-to-Intrinsic-Value-Projected-FCF 1.58
WTM's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
86% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.80 vs. WTM: 1.58 )
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: 0.26  Med: 1.29 Max: 30.39
Current: 1.58
0.26
30.39
Price-to-Median-PS-Value 1.94
WTM's Price-to-Median-PS-Value is ranked lower than
94% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. WTM: 1.94 )
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: 0.27  Med: 1.01 Max: 2.89
Current: 1.94
0.27
2.89
Price-to-Graham-Number 2.85
WTM's Price-to-Graham-Number is ranked lower than
97% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. WTM: 2.85 )
Ranked among companies with meaningful Price-to-Graham-Number only.
WTM' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.47  Med: 0.92 Max: 3.76
Current: 2.85
0.47
3.76
Earnings Yield (Greenblatt) % 0.11
WTM's Earnings Yield (Greenblatt) % is ranked lower than
90% of the 137 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.44 vs. WTM: 0.11 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
WTM' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -108  Med: 7.3 Max: 40.5
Current: 0.11
-108
40.5
Forward Rate of Return (Yacktman) % -11.01
WTM's Forward Rate of Return (Yacktman) % is ranked lower than
93% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.64 vs. WTM: -11.01 )
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: -13.1  Med: -0.5 Max: 40.4
Current: -11.01
-13.1
40.4

More Statistics

Revenue (TTM) (Mil) $1,377.30
EPS (TTM) $ 89.06
Beta0.36
Short Percentage of Float0.95%
52-Week Range $798.08 - 948.94
Shares Outstanding (Mil)4.57
» More Articles for WTM

Headlines

Articles On GuruFocus.com
Reid Campbell to Become CFO of White Mountains May 02 2017 
White Mountains to Vote in Favor of Intact's Acquisition of OneBeacon May 02 2017 
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 

More From Other Websites
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White Mountains to Vote in Favor of Intact's Acquisition of OneBeacon May 02 2017
White Mountains Reports First Quarter Results May 02 2017
Insurance Stocks to Post Q1 Earnings on May 1: CNA, L & More Apr 28 2017
Chubb (CB) Enhances its Workers' Compensation Capabilities Mar 21 2017
White Mountains Announces Election of Manning Rountree as CEO Mar 02 2017
White Mountains Declares Annual Dividend Mar 02 2017
A.M. Best Assigns Credit Ratings to Split Rock Insurance, Ltd. Mar 01 2017
Can White Mountains (WTM) Run Higher on Strong Earnings Estimate Revisions? Feb 17 2017
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