WTM (White Mountains Insurance Group) ROE % Adjusted to Book Value: -2.00% (As of Mar. 2026)


WTM White Mountains Insurance Group Ltd WTM
76 GF Score
Price $2,027.00
GF Value $2,346.07
Valuation Modestly Undervalued
! 2 Warning Signs
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What is White Mountains Insurance Group ROE % Adjusted to Book Value?

White Mountains Insurance Group WTM +0.23% 76 ROE % Adjusted to Book Value is -2.00% as of Mar. 2026. GuruFocus rates WTM with a GF Score™ of 76/100 and a GF Value™ of $2,346.07 (Modestly Undervalued). The stock has 2 warning signs investors should review.

White Mountains Insurance Group's ROE % for the quarter that ended in Mar. 2026 was -2.02%. White Mountains Insurance Group's PB Ratio for the quarter that ended in Mar. 2026 was 1.01. White Mountains Insurance Group's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was -2.00%.


White Mountains Insurance Group ROE % Adjusted to Book Value Related Terms


White Mountains Insurance Group ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for White Mountains Insurance Group's ROE % Adjusted to Book Value can be seen below:

* 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 ROE % Adjusted to Book Value Chart

White Mountains Insurance Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only -8.59 22.41 14.01 4.76 23.51

White Mountains Insurance Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.75 10.74 10.74 69.05 -2.00

WTM vs SIGI, MCY, RLI: ROE % Adjusted to Book Value Comparison

For the Insurance - Property & Casualty subindustry, White Mountains Insurance Group's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Insurance Industry

For the Insurance industry and Financial Services sector, White Mountains Insurance Group's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where White Mountains Insurance Group's ROE % Adjusted to Book Value falls into.


WTM
76GF Score
White Mountains Insurance Group Ltd WTM
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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White Mountains Insurance Group ROE % Adjusted to Book Value Calculation

White Mountains Insurance Group's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=22.33% / 0.95
=23.51%

White Mountains Insurance Group's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-2.02% / 1.01
=-2.00%

* 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 ROE % Adjusted to Book Value of -2.00% mean?
White Mountains Insurance Group (WTM) has a ROE % Adjusted to Book Value of -2.00% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on White Mountains Insurance Group and its competitors.
Is White Mountains Insurance Group's ROE % Adjusted to Book Value too high?
White Mountains Insurance Group's current ROE % Adjusted to Book Value is -2.00%. 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 ROE % Adjusted to Book Value compare to SIGI and MCY?
White Mountains Insurance Group's ROE % Adjusted to Book Value of -2.00% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for an Insurance company?
A good ROE % Adjusted to Book Value depends on the Insurance industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on White Mountains Insurance Group and its competitors. White Mountains Insurance Group's current ROE % Adjusted to Book Value is -2.00%. 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 $2,346.07, compared to a current price of $2,027.00 — trading 13.6% below its estimated fair value. The current ROE % Adjusted to Book Value is -2.00%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For White Mountains Insurance Group (WTM), the current ROE % Adjusted to Book Value is -2.00% 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 $2,027.00 is trading 13.6% below its estimated GF Value™ of $2,346.07. GuruFocus considers White Mountains Insurance Group to be Modestly Undervalued.

Key valuation signals for WTM:

  • ROE % Adjusted to Book Value: -2.00%
  • GF Value™: $2,346.07 vs. price of $2,027.00 (13.6% below fair value)
  • GF Score™: 76/100 with 2 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.
76GF Score

Get the complete analysis for WTM

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2,027.00
Price
$2,346.07
GF Value