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EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, White Mountains Insurance Group's enterprise value is $6,906 Mil.
White Mountains Insurance Group's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $1,323 Mil. Therefore, White Mountains Insurance Group's EV-to-EBITDA for today is 5.22.
The historical rank and industry rank for White Mountains Insurance Group's EV-to-EBITDA or its related term are showing as below:
WTM'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -102.73 Med: 7.74 Max: 1085.79
Current: 5.22
During the past 13 years, the highest EV-to-EBITDA of White Mountains Insurance Group was 1085.79. The lowest was -102.73. And the median was 7.74.
WTM's EV-to-EBITDA is ranked better than 72.05% of 347
companies
in the Insurance industry
Industry Median: 8.32
vs WTM: 5.22
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
White Mountains Insurance Group (NYSE:WTM) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
White Mountains Insurance Group's PE Ratio (TTM) for today is calculated as:
White Mountains Insurance Group's share price for today is $2182.32.
White Mountains Insurance Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $406.570.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
White Mountains Insurance Group EV-to-EBITDA Chart
For the Insurance - Property & Casualty subindustry, White Mountains Insurance Group's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
White Mountains Insurance Group EV-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, White Mountains Insurance Group's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where White Mountains Insurance Group's EV-to-EBITDA falls into.
White Mountains Insurance Group's current Enterprise Value is $6,906 Mil.
White Mountains Insurance Group's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1,323 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
White Mountains Insurance Group (WTM) has a EV-to-EBITDA of 5.22 as of Jul. 22, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on White Mountains Insurance Group. This is 33% below median its historical median of 7.74. According to the industry distribution chart, White Mountains Insurance Group ranks #97 out of 347 companies in the Insurance industry, placing it in the top 28%.
Is White Mountains Insurance Group's EV-to-EBITDA too high?
White Mountains Insurance Group's current EV-to-EBITDA of 5.22 is 33% below median its 10-year median of 7.74. The Insurance industry median EV-to-EBITDA is 8.32. White Mountains Insurance Group's value of 5.22 is 37.3% below this industry median. Based on the distribution chart, White Mountains Insurance Group ranks #97 out of 347 companies in the Insurance industry, which is above the industry midpoint. Overall, White Mountains Insurance Group has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does White Mountains Insurance Group's EV-to-EBITDA compare to RLI and SIGI?
According to the Insurance industry distribution chart, White Mountains Insurance Group ranks #97 out of 347 companies for EV-to-EBITDA. This puts White Mountains Insurance Group in the upper half of its industry. The industry median EV-to-EBITDA is 8.32. White Mountains Insurance Group's value of 5.22 is 37.3% below this benchmark. While the company's 10-year median is 7.74 vs. the industry median of 8.32, White Mountains Insurance Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.32, based on 347 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. White Mountains Insurance Group's current EV-to-EBITDA of 5.22 is 37.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on White Mountains Insurance Group. For the Insurance industry, the median EV-to-EBITDA is 8.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. White Mountains Insurance Group's current EV-to-EBITDA is 5.22, which is 33% below median its own 10-year median of 7.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is White Mountains Insurance Group stock overvalued right now?
Based on GuruFocus' analysis, White Mountains Insurance Group (WTM) is currently considered Fairly Valued. The stock's GF Value™ is $2,379.37, compared to a current price of $2,182.32 — trading 8.3% below its estimated fair value. The current EV-to-EBITDA is 5.22, which is 33% below median its 10-year median of 7.74 and 37.3% below the Insurance industry median of 8.32. White Mountains Insurance Group's overall GF Score™ is 74/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For White Mountains Insurance Group (WTM), the current EV-to-EBITDA is 5.22 as of Jul. 22, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is White Mountains Insurance Group (WTM) Overvalued in 2026?
Based on GuruFocus' analysis, White Mountains Insurance Group stock appears to be undervalued.
The current stock price of $2,182.32 is trading 8.3% below its estimated GF Value™ of $2,379.37.
GuruFocus considers White Mountains Insurance Group to be Fairly Valued.
Key valuation signals for WTM:
EV-to-EBITDA: 5.22 (33% below median its 10-year median of 7.74)
GF Value™: $2,379.37 vs. price of $2,182.32 (8.3% below fair value)
Industry Position: 37.3% below the Insurance median (#97 of 347)
No single metric tells the full story. See the WTM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
White Mountains Insurance Group Business Description
White Mountains Insurance Group Ltd is engaged in the business of making opportunistic and value-oriented acquisitions of businesses and assets in the insurance, financial services, and related sectors, operating these businesses and assets through its subsidiaries and, if and when attractive exit valuations become available, disposing of these businesses and assets. The company conducts its business in five areas: property and casualty insurance and reinsurance, municipal bond reinsurance, capital solutions for asset and wealth management firms, property and casualty insurance distribution, and other operations. The company has four reportable segments: Ark/WM Outrigger, HG Global, Kudu and Distinguished.
74GF Score
Get the complete analysis for WTM
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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