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White Mountains Insurance Group, Ltd. (WTM) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

White Mountains Insurance Group, Ltd.

WTMMarket cap $4.80BPrice $2037.3

CountryBermuda

SectorFinancials

IndustryInsurance

White Mountains buys and builds insurance and financial businesses, then holds them for the long haul instead of flipping them fast. Warren Buffett fans love it as a mini-Berkshire, run by a management team obsessed with disciplined underwriting over growth for growth's sake.

In Bastion Portfolios?

52W Return+7%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+36%10

Revenue Forecast

Rev CAGR (1y)+13%7

Rev CAGR (3y)+8%6

Rev CAGR (5y)+5%5

Earnings Forecast

EPS Growth Y+1+37%9

EPS Growth Y+2+11%7

EPS Growth Y+3+4%5

Quality

Margins

EBIT Margin24%8

Net Income Margin38%10

Free Cash Flow Margin13%7

Debt

Net Debt/EBITDA1.16

Efficiency

ROE22%8

ROA9%8

Earnings Stability77

GEAR+VERY STRONG100

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)310

P/E Ratio (Forward 3y)310

P/BV0.910

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yield0.0%1

Momentum

Short term

1 month return-3%6

3 month return-6%4

YTD return-2%4

Mid term

Price vs 52wHigh87%7

1 year return+7%6

Long term

3 year return+34%5

5 year return+87%7

Risk Shield

Price Risk

Beta0.39

Volatility20%10

Free Cash Flow

Free Cash Flow Margin13%7

Free Cash Flow Yield0.0%10

Quality

ROCE7%8

Earnings Stability77

Net Debt/EBITDA1.16

02Growth

Is it actually growing, and how fast?

WTMWhite Mountains Insurance Group

Revenue FY25$3.7B

GROWTH RATING↗

AVERAGE62 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+36%10

Revenue, next 1Y+13%7

Revenue, next 3Y, CAGR+8%6

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+37%9

EPS growth, FY27E+11%7

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 36%/yr over the last 3 years, ahead of 90% of companies worldwide.10/10

Earnings are set to grow in step with sales (EPS about 11%/yr vs revenue 8%/yr).

WATCH

A mid-pack grower, ahead of 62% of companies worldwide.

Revenue is set to grow 8%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 36%/yr over the last 3 years; forecasts see it cooling to 8%/yr.

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A middle-of-the-pack grower that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

WTMWhite Mountains Insurance Group

Total return Current146%

Price return Current144%

MOMENTUM RATING↗

AVERAGE53 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-3%6

3-month return-6%4

YTD return-2%4

MID & LONG-TERM▾SCORE

% of 52-week high87%7

1-year return+7%6

3-year return+34%5

5-year return+87%7

MOMENTUM ASSESSMENT

STRENGTHS

It's up 7% over the past year, but 13% below its 52-week high. That is clearly ahead of the market.

WATCH

Average long-term results. Multi-year returns are middling (+34% over three years and +87% over five), roughly average for the market.

Returns sit at the market level over the past month (-3%), over three months (-6%) and so far this year (-2%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on White Mountains Insurance Group, Ltd.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

WTMWhite Mountains Insurance Group

Revenue FY25$3.7B

GROWTH RATING↗

AVERAGE62 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+36%10

Revenue, next 1Y+13%7

Revenue, next 3Y, CAGR+8%6

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+37%9

EPS growth, FY27E+11%7

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 36%/yr over the last 3 years, ahead of 90% of companies worldwide.10/10

Earnings are set to grow in step with sales (EPS about 11%/yr vs revenue 8%/yr).

WATCH

A mid-pack grower, ahead of 62% of companies worldwide.

Revenue is set to grow 8%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 36%/yr over the last 3 years; forecasts see it cooling to 8%/yr.

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A middle-of-the-pack grower that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

WTMWhite Mountains Insurance Group

Total return Current146%

Price return Current144%

MOMENTUM RATING↗

AVERAGE53 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-3%6

3-month return-6%4

YTD return-2%4

MID & LONG-TERM▾SCORE

% of 52-week high87%7

1-year return+7%6

3-year return+34%5

5-year return+87%7

MOMENTUM ASSESSMENT

STRENGTHS

It's up 7% over the past year, but 13% below its 52-week high. That is clearly ahead of the market.

WATCH

Average long-term results. Multi-year returns are middling (+34% over three years and +87% over five), roughly average for the market.

Returns sit at the market level over the past month (-3%), over three months (-6%) and so far this year (-2%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on White Mountains Insurance Group, Ltd.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community