WTM (White Mountains Insurance Group) Moat Score: 5/10 (As of Jun. 27, 2026)


WTM White Mountains Insurance Group Ltd WTM
75 GF Score
Price $2,096.56
GF Value $2,347.26
Valuation Modestly Undervalued
! 3 Warning Signs
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What is White Mountains Insurance Group Moat Score?

White Mountains Insurance Group WTM +3.81% 75 Moat Score is 5 as of Jun. 27, 2026. GuruFocus rates WTM with a GF Score™ of 75/100 and a GF Value™ of $2,347.26 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 596 Insurance companies, White Mountains Insurance Group ranks better than 88.76% on this metric.

White Mountains Insurance Group has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

White Mountains Insurance Group has Narrow Moat: White Mountains Insurance Group has a solid narrow moat due to its specialized insurance offerings and strong brand reputation. However, it lacks significant network effects and customer switching costs, limiting its moat to a narrow category.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes White Mountains Insurance Group might have Narrow Moat - Solid narrow moat.

White Mountains Insurance Group  (NYSE:WTM) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

White Mountains Insurance Group Moat Score Related Terms

WTM vs SIGI, MCY, RLI: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, White Mountains Insurance Group's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, White Mountains Insurance Group's Moat Score distribution charts can be found below:

* The bar in red indicates where White Mountains Insurance Group's Moat Score falls into.


WTM
75GF Score
White Mountains Insurance Group Ltd WTM
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
White Mountains Insurance Group (WTM) has a Moat Score of 5 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, White Mountains Insurance Group ranks #67 out of 596 companies in the Insurance industry, placing it in the top 11.2%.
Is White Mountains Insurance Group's Moat Score too high?
White Mountains Insurance Group's current Moat Score is 5. Based on the distribution chart, White Mountains Insurance Group ranks #67 out of 596 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 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does White Mountains Insurance Group's Moat Score compare to SIGI and MCY?
According to the Insurance industry distribution chart, White Mountains Insurance Group ranks #67 out of 596 companies for Moat Score. This places White Mountains Insurance Group in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. White Mountains Insurance Group's current Moat Score is 5. 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 Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For White Mountains Insurance Group (WTM), the current Moat Score is 5 as of Jun. 27, 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:

  • Moat Score: 5
  • GF Value™: $2,347.26 vs. price of $2,096.56 (10.7% below fair value)
  • GF Score™: 75/100 with 3 warning signs

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

Address 23 South Main Street, Suite 3B, Hanover, NH, USA, 03755-2053
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2,096.56
Price
$2,347.26
GF Value