White Mountains Insurance Group has the GF Score of 75, which implies that the company
is
Likely to have average performance.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes White Mountains Insurance Group
is
Likely to have average performance.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
White Mountains Insurance Group (NYSE:WTM) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
White Mountains Insurance Group GF Score Related Terms
WTM vs SIGI, MCY, RLI: GF Score Comparison
For the Insurance - Property & Casualty subindustry, White Mountains Insurance Group's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Insurance Industry
For the Insurance industry and Financial Services sector, White Mountains Insurance Group's GF Score distribution charts can be found below:
* The bar in red indicates where White Mountains Insurance Group's GF Score falls into.
White Mountains Insurance Group (WTM) has a GF Score of 75 as of Jun. 28, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on White Mountains Insurance Group and its competitors. This is near median its historical median of 70.00. Over the past decade, White Mountains Insurance Group's GF Score has ranged from 55.00 to 78.00.
Is White Mountains Insurance Group's GF Score too high?
White Mountains Insurance Group's current GF Score of 75 is near median its 10-year median of 70.00. Over the past 10 years, this metric has ranged from a low of 55.00 to a high of 78.00. Overall, White Mountains Insurance Group has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does White Mountains Insurance Group's GF Score compare to SIGI and MCY?
White Mountains Insurance Group's GF Score of 75 can be compared against companies in the Insurance industry. Historically, White Mountains Insurance Group's own GF Score has ranged from 55.00 to 78.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for an Insurance company?
A good GF Score depends on the Insurance industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on White Mountains Insurance Group and its competitors. White Mountains Insurance Group's current GF Score is 75, which is near median its own 10-year median of 70.00. 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 $2,347.26, compared to a current price of $2,096.56 — trading 10.7% below its estimated fair value. The current GF Score is 75, which is near median its 10-year median of 70.00. White Mountains Insurance Group's overall GF Score™ is 75/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For White Mountains Insurance Group (WTM), the current GF Score is 75 as of Jun. 28, 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 $2,096.56 is trading 10.7% below its estimated GF Value™ of $2,347.26.
GuruFocus considers White Mountains Insurance Group to be Modestly Undervalued.
Key valuation signals for WTM:
GF Score: 75 (near median its 10-year median of 70.00)
GF Value™: $2,347.26 vs. price of $2,096.56 (10.7% below fair value)
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.
75GF Score
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