Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. White Mountains Insurance Group's
EBIT
for the
three
months ended in Mar. 2026 was $-6 Mil. White Mountains Insurance Group's Interest Expense for the
three
months ended in Mar. 2026 was $-19 Mil.
did not have earnings to cover the interest expense.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for White Mountains Insurance Group's Interest Coverage or its related term are showing as below:
WTM'
s Interest Coverage Range Over the Past 10 Years
Min: 4.39 Med: 13.99 Max: 90.24
Current: 16.4
WTM's Interest Coverage is ranked better than 50.43% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs WTM: 16.40
White Mountains Insurance Group (NYSE:WTM) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
White Mountains Insurance Group Interest Coverage Related Terms
White Mountains Insurance Group Interest Coverage Historical Data
* 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
White Mountains Insurance Group Interest Coverage Chart
WTM vs SIGI, MCY, RLI: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, White Mountains Insurance Group's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, White Mountains Insurance Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where White Mountains Insurance Group's Interest Coverage falls into.
White Mountains Insurance Group Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
White Mountains Insurance Group did not have earnings to cover the interest expense.
* 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.
What does a Interest Coverage of 0 (At Loss) mean?
White Mountains Insurance Group (WTM) has a Interest Coverage of 0 (At Loss) as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on White Mountains Insurance Group and its competitors. Over the past decade, White Mountains Insurance Group's Interest Coverage has ranged from 4.39 to 90.24. According to the industry distribution chart, White Mountains Insurance Group ranks #174 out of 351 companies in the Insurance industry, placing it in the top 49.6%.
Is White Mountains Insurance Group's Interest Coverage too high?
White Mountains Insurance Group's current Interest Coverage is 0 (At Loss). Over the past 10 years, this metric has ranged from a low of 4.39 to a high of 90.24. Based on the distribution chart, White Mountains Insurance Group ranks #174 out of 351 companies in the Insurance industry, which is above the industry midpoint. 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 Interest Coverage compare to SIGI and MCY?
According to the Insurance industry distribution chart, White Mountains Insurance Group ranks #174 out of 351 companies for Interest Coverage. This puts White Mountains Insurance Group in the upper half of its industry. The industry median Interest Coverage is 16.23. Historically, White Mountains Insurance Group's own Interest Coverage has ranged from 4.39 to 90.24 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.23, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on White Mountains Insurance Group and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. White Mountains Insurance Group's current Interest Coverage is 0 (At Loss). 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 $2,019.70 — trading 13.9% below its estimated fair value. The current Interest Coverage is 0 (At Loss). 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For White Mountains Insurance Group (WTM), the current Interest Coverage is 0 (At Loss) 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 $2,019.70 is trading 13.9% below its estimated GF Value™ of $2,346.07.
GuruFocus considers White Mountains Insurance Group to be Modestly Undervalued.
Key valuation signals for WTM:
Interest Coverage: 0 (At Loss)
GF Value™: $2,346.07 vs. price of $2,019.70 (13.9% 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.
76GF Score
Get the complete analysis for WTM
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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