📊 WTM Key Takeaways
Is White Mountains Insurance Group Ltd. (WTM) a Good Investment?
Despite impressive 66.8% YoY revenue growth, White Mountains Insurance is operationally unprofitable with negative net income of -$27.2M and negative margins across all levels (Operating: -4.9%, Net: -5.3%). The company cannot cover interest expenses from operations (Interest Coverage: -1.3x) and exhibits poor returns on equity (-0.5%) and assets (-0.2%), indicating fundamental operational challenges despite strong topline expansion.
White Mountains Insurance Group Ltd. Key Strengths (WTM)
- Exceptional revenue growth of 66.8% YoY demonstrates market traction or successful expansion strategy
- Conservative capital structure with low leverage (Debt/Equity: 0.16x) provides financial flexibility and cushion
- Positive free cash flow of $27.8M (5.4% FCF margin) shows underlying cash generation despite net losses
WTM Stock Risks: White Mountains Insurance Group Ltd. Investment Risks
- Persistent operational unprofitability with negative operating income of -$25.5M and deteriorating net margins of -5.3%
- Negative interest coverage ratio (-1.3x) indicates inability to service debt obligations from core operations
- Severely negative returns on equity (-0.5%) and assets (-0.2%) suggest capital inefficiency and unsustainable business model execution
Key Metrics to Watch
- Path to operating profitability and trend reversal in operating margins
- Combined ratio and claims experience in insurance underwriting operations
- Sustainability of cash flow generation and debt servicing capacity
White Mountains Insurance Group Ltd. (WTM) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
WTM Profit Margin, ROE & Profitability Analysis
WTM vs Finance Sector: How White Mountains Insurance Group Ltd. Compares
How White Mountains Insurance Group Ltd. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is White Mountains Insurance Group Ltd. Stock Overvalued? WTM Valuation Analysis 2026
Based on fundamental analysis, White Mountains Insurance Group Ltd. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
White Mountains Insurance Group Ltd. Balance Sheet: WTM Debt, Cash & Liquidity
WTM Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: White Mountains Insurance Group Ltd.'s revenue has shown modest growth of 7% over the 5-year period. The most recent EPS of $198.60 reflects profitable operations.
WTM Revenue Growth, EPS Growth & YoY Performance
WTM Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $517.8M | -$27.2M | $-12.59 |
| Q3 2025 | $839.1M | $113.8M | $44.18 |
| Q2 2025 | $395.4M | -$54.6M | $-21.24 |
| Q1 2025 | $577.8M | $33.9M | $13.19 |
| Q3 2024 | $519.6M | $23.6M | $9.19 |
| Q2 2024 | $378.4M | $19.6M | $7.65 |
| Q1 2024 | $531.9M | $179.5M | $69.83 |
| Q3 2023 | $383.2M | $23.6M | $9.19 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
White Mountains Insurance Group Ltd. Dividends, Buybacks & Capital Allocation
WTM SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for White Mountains Insurance Group Ltd. (CIK: 0000776867)
📋 Recent SEC Filings
❓ Frequently Asked Questions about WTM
What is the AI rating for WTM?
White Mountains Insurance Group Ltd. (WTM) has an AI grade of C with 68% confidence, based on fundamental analysis of SEC EDGAR filings.
What are WTM's key strengths?
Claude: Exceptional revenue growth of 66.8% YoY demonstrates market traction or successful expansion strategy. Conservative capital structure with low leverage (Debt/Equity: 0.16x) provides financial flexibility and cushion.
What are the risks of investing in WTM?
Claude: Persistent operational unprofitability with negative operating income of -$25.5M and deteriorating net margins of -5.3%. Negative interest coverage ratio (-1.3x) indicates inability to service debt obligations from core operations.
What is WTM's revenue and growth?
White Mountains Insurance Group Ltd. reported revenue of $517.8M.
Does WTM pay dividends?
White Mountains Insurance Group Ltd. pays dividends, with $2.4M distributed to shareholders in the trailing twelve months.
Where can I find WTM SEC filings?
Official SEC filings for White Mountains Insurance Group Ltd. (CIK: 0000776867) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is WTM's EPS?
White Mountains Insurance Group Ltd. has a diluted EPS of $-12.59.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is WTM's fundamental grade?
Based on our AI fundamental analysis in June 2026, White Mountains Insurance Group Ltd. has a C grade with 68% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is WTM stock overvalued or undervalued?
Valuation metrics for WTM: ROE of -0.5% (sector avg: 12%), net margin of -5.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is WTM's AI grade for 2026?
Our dual AI analysis gives White Mountains Insurance Group Ltd. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is WTM's free cash flow?
White Mountains Insurance Group Ltd.'s operating cash flow is $30.5M, with capital expenditures of $2.7M. FCF margin is 5.4%.
How does WTM compare to other Finance stocks?
Vs Finance sector averages: Net margin -5.3% (avg: 25%), ROE -0.5% (avg: 12%), current ratio N/A (avg: 1.2).