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White Mountains Insurance GroupWTM -0.08%74 Shiller PE Ratio is 12.41 as of Sep. 10, 2026, which is 14% below its 10-year median of 14.37. GuruFocus rates WTM with a GF Score™ of 74/100 and a GF Value™ of $2,456.77 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 366 Insurance companies, White Mountains Insurance Group ranks better than 66.67% on this metric.
The historical rank and industry rank for White Mountains Insurance Group's Shiller PE Ratio or its related term are showing as below:
WTM'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.78 Med: 14.37 Max: 21.89
Current: 12.41
During the past years, White Mountains Insurance Group's highest Shiller PE Ratio was 21.89. The lowest was 10.78. And the median was 14.37.
WTM's Shiller PE Ratio is ranked better than 66.67% of 366
companies
in the Insurance industry
Industry Median: 16.65
vs WTM: 12.41
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
White Mountains Insurance Group's adjusted earnings per share data for the three months ended in Jun. 2026 was $80.580. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $165.26 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
White Mountains Insurance Group (NYSE:WTM) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
White Mountains Insurance Group Shiller PE Ratio Related Terms
White Mountains Insurance Group Shiller PE Ratio 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 Shiller PE Ratio Chart
WTM vs SIGI, MCY, RLI: Shiller PE Ratio Comparison
For the Insurance - Property & Casualty subindustry, White Mountains Insurance Group's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, White Mountains Insurance Group's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where White Mountains Insurance Group's Shiller PE Ratio falls into.
White Mountains Insurance Group Shiller PE Ratio Calculation
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
White Mountains Insurance Group (WTM) has a Shiller PE Ratio of 12.41 as of Sep. 10, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on White Mountains Insurance Group and its competitors. This is 14% below median its historical median of 14.37. Over the past decade, White Mountains Insurance Group's Shiller PE Ratio has ranged from 10.78 to 21.89. According to the industry distribution chart, White Mountains Insurance Group ranks #122 out of 366 companies in the Insurance industry, placing it in the top 33.3%.
Is White Mountains Insurance Group's Shiller PE Ratio too high?
White Mountains Insurance Group's current Shiller PE Ratio of 12.41 is 14% below median its 10-year median of 14.37. Over the past 10 years, this metric has ranged from a low of 10.78 to a high of 21.89. The Insurance industry median Shiller PE Ratio is 16.65. White Mountains Insurance Group's value of 12.41 is 25.5% below this industry median. Based on the distribution chart, White Mountains Insurance Group ranks #122 out of 366 companies in the Insurance industry, which is above the industry midpoint. Overall, White Mountains Insurance Group has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does White Mountains Insurance Group's Shiller PE Ratio compare to SIGI and MCY?
According to the Insurance industry distribution chart, White Mountains Insurance Group ranks #122 out of 366 companies for Shiller PE Ratio. This puts White Mountains Insurance Group in the upper half of its industry. The industry median Shiller PE Ratio is 16.65. White Mountains Insurance Group's value of 12.41 is 25.5% below this benchmark. Historically, White Mountains Insurance Group's own Shiller PE Ratio has ranged from 10.78 to 21.89 over the past decade. While the company's 10-year median is 14.37 vs. the industry median of 16.65, White Mountains Insurance Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Shiller PE Ratio for an Insurance company?
The median Shiller PE Ratio among Insurance companies is 16.65, based on 366 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. White Mountains Insurance Group's current Shiller PE Ratio of 12.41 is 25.5% below 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on White Mountains Insurance Group and its competitors. For the Insurance industry, the median Shiller PE Ratio is 16.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. White Mountains Insurance Group's current Shiller PE Ratio is 12.41, which is 14% below median its own 10-year median of 14.37. 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 $2,456.77, compared to a current price of $2,050.81 — trading 16.5% below its estimated fair value. The current Shiller PE Ratio is 12.41, which is 14% below median its 10-year median of 14.37 and 25.5% below the Insurance industry median of 16.65. White Mountains Insurance Group's overall GF Score™ is 74/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For White Mountains Insurance Group (WTM), the current Shiller PE Ratio is 12.41 as of Sep. 10, 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 $2,050.81 is trading 16.5% below its estimated GF Value™ of $2,456.77.
GuruFocus considers White Mountains Insurance Group to be Modestly Undervalued.
Key valuation signals for WTM:
Shiller PE Ratio: 12.41 (14% below median its 10-year median of 14.37)
GF Value™: $2,456.77 vs. price of $2,050.81 (16.5% below fair value)
Industry Position: 25.5% below the Insurance median (#122 of 366)
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 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.
74GF Score
Get the complete analysis for WTM
Shiller PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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