Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
White Mountains Insurance Group's 10-Year RORE % for the quarter that ended in Mar. 2026 was 22.55%.
WTM's 10-Year RORE % is ranked better than 69.87% of 385
companies
in the Insurance industry
Industry Median: 12.82
vs WTM: 22.55
White Mountains Insurance Group (NYSE:WTM) 10-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
White Mountains Insurance Group 10-Year RORE % Related Terms
White Mountains Insurance Group 10-Year RORE % 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.
White Mountains Insurance Group 10-Year RORE % Chart
For the Insurance - Property & Casualty subindustry, White Mountains Insurance Group's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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 10-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, White Mountains Insurance Group's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where White Mountains Insurance Group's 10-Year RORE % 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.
In the calculation of 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 10-year before.
White Mountains Insurance Group (WTM) has a 10-Year RORE % of 22.55 as of Mar. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on White Mountains Insurance Group and its competitors. According to the industry distribution chart, White Mountains Insurance Group ranks #116 out of 385 companies in the Insurance industry, placing it in the top 30.1%.
Is White Mountains Insurance Group's 10-Year RORE % too high?
White Mountains Insurance Group's current 10-Year RORE % is 22.55. The Insurance industry median 10-Year RORE % is 12.82. White Mountains Insurance Group's value of 22.55 is 75.9% above this industry median. Based on the distribution chart, White Mountains Insurance Group ranks #116 out of 385 companies in the Insurance industry, which is above the industry midpoint. Overall, White Mountains Insurance Group has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does White Mountains Insurance Group's 10-Year RORE % compare to RLI and SIGI?
According to the Insurance industry distribution chart, White Mountains Insurance Group ranks #116 out of 385 companies for 10-Year RORE %. This puts White Mountains Insurance Group in the upper half of its industry. The industry median 10-Year RORE % is 12.82. White Mountains Insurance Group's value of 22.55 is 75.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for an Insurance company?
The median 10-Year RORE % among Insurance companies is 12.82, based on 385 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. White Mountains Insurance Group's current 10-Year RORE % of 22.55 is 75.9% above 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on White Mountains Insurance Group and its competitors. For the Insurance industry, the median 10-Year RORE % is 12.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. White Mountains Insurance Group's current 10-Year RORE % is 22.55. 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 Fairly Valued. The stock's GF Value™ is $2,356.73, compared to a current price of $2,173.81 — trading 7.8% below its estimated fair value. The current 10-Year RORE % is 22.55 and 75.9% above the Insurance industry median of 12.82. 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 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For White Mountains Insurance Group (WTM), the current 10-Year RORE % is 22.55 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 $2,173.81 is trading 7.8% below its estimated GF Value™ of $2,356.73.
GuruFocus considers White Mountains Insurance Group to be Fairly Valued.
Key valuation signals for WTM:
10-Year RORE %: 22.55
GF Value™: $2,356.73 vs. price of $2,173.81 (7.8% below fair value)
Industry Position: 75.9% above the Insurance median (#116 of 385)
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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10-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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