* 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 FCF Margin % Chart
For the Insurance - Property & Casualty subindustry, White Mountains Insurance Group's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, White Mountains Insurance Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where White Mountains Insurance Group's FCF Margin % falls into.
* 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 FCF Margin % of 5.89% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on White Mountains Insurance Group and its competitors. This is 53% below median its historical median of 12.47. According to the industry distribution chart, White Mountains Insurance Group ranks #118 out of 501 companies in the Insurance industry, placing it in the top 23.6%.
Is White Mountains Insurance Group's FCF Margin % too high?
White Mountains Insurance Group's current FCF Margin % of 5.89% is 53% below median its 10-year median of 12.47. The Insurance industry median FCF Margin % is 9.60. White Mountains Insurance Group's value of 5.89% is 38.6% below this industry median. Based on the distribution chart, White Mountains Insurance Group ranks #118 out of 501 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, White Mountains Insurance Group has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does White Mountains Insurance Group's FCF Margin % compare to SIGI and MCY?
According to the Insurance industry distribution chart, White Mountains Insurance Group ranks #118 out of 501 companies for FCF Margin %. This places White Mountains Insurance Group in the top 24% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 9.60. White Mountains Insurance Group's value of 5.89% is 38.6% below this benchmark. While the company's 10-year median is 12.47 vs. the industry median of 9.60, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. White Mountains Insurance Group's current FCF Margin % of 5.89% is 38.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on White Mountains Insurance Group and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. White Mountains Insurance Group's current FCF Margin % is 5.89%, which is 53% below median its own 10-year median of 12.47. 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 Modestly Undervalued. The stock's GF Value™ is $2,346.07, compared to a current price of $2,039.33 — trading 13.1% below its estimated fair value. The current FCF Margin % is 5.89%, which is 53% below median its 10-year median of 12.47 and 38.6% below the Insurance industry median of 9.60. White Mountains Insurance Group's overall GF Score™ is 76/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For White Mountains Insurance Group (WTM), the current FCF Margin % is 5.89% as of Mar. 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 $2,039.33 is trading 13.1% below its estimated GF Value™ of $2,346.07.
GuruFocus considers White Mountains Insurance Group to be Modestly Undervalued.
Key valuation signals for WTM:
FCF Margin %: 5.89% (53% below median its 10-year median of 12.47)
GF Value™: $2,346.07 vs. price of $2,039.33 (13.1% below fair value)
Industry Position: 38.6% below the Insurance median (#118 of 501)
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.
76GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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