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Financial Services - Insurance - Property & Casualty - NYSE - BM
$ 1703.76
-3.72 %
$ 4.33 B
Market Cap
18.99
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one WTM stock under the worst case scenario is HIDDEN Compared to the current market price of 1.7 K USD, White Mountains Insurance Group, Ltd. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one WTM stock under the base case scenario is HIDDEN Compared to the current market price of 1.7 K USD, White Mountains Insurance Group, Ltd. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one WTM stock under the best case scenario is HIDDEN Compared to the current market price of 1.7 K USD, White Mountains Insurance Group, Ltd. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart WTM

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$2.1k$2.1k$2.0k$2.0k$2.0k$2.0k$1.9k$1.9k$1.9k$1.9k$1.8k$1.8k$1.8k$1.8k$1.7k$1.7k15 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
119 M REVENUE
-94.52%
103 M OPERATING INCOME
-11.40%
230 M NET INCOME
-54.75%
-30.1 M OPERATING CASH FLOW
-7.45%
40.3 M INVESTING CASH FLOW
107.41%
-10.4 M FINANCING CASH FLOW
-144.44%
0 REVENUE
0.00%
-103 M OPERATING INCOME
-87.87%
-124 M NET INCOME
-54.39%
64.1 M OPERATING CASH FLOW
-80.17%
-163 M INVESTING CASH FLOW
33.33%
19.5 M FINANCING CASH FLOW
77.27%
Balance Sheet White Mountains Insurance Group, Ltd.
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Current Assets 141 M
Cash & Short-Term Investments 1.22 B
Receivables 0
Other Current Assets -1.08 B
Non-Current Assets 292 M
Long-Term Investments 1.97 B
PP&E 0
Other Non-Current Assets -1.68 B
280.56 %454.75 %Total Assets$433.6m
Current Liabilities 238 M
Accounts Payable 238 M
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 562 M
Long-Term Debt 562 M
Other Non-Current Liabilities 0
29.70 %70.30 %Total Liabilities$800.1m
EFFICIENCY
Earnings Waterfall White Mountains Insurance Group, Ltd.
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Revenue 119 M
Cost Of Revenue 29.6 M
Gross Profit 89.2 M
Operating Expenses 15.4 M
Operating Income 103 M
Other Expenses -127 M
Net Income 230 M
250m250m200m200m150m150m100m100m50m50m00119m(30m)89m(15m)103m127m230mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
75.08% GROSS MARGIN
75.08%
87.04% OPERATING MARGIN
87.04%
54.29% NET MARGIN
54.29%
4.49% ROE
4.49%
0.65% ROA
0.65%
47.32% ROIC
47.32%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis White Mountains Insurance Group, Ltd.
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500m500m400m400m300m300m200m200m100m100m00(100m)(100m)(200m)(200m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 230 M
Depreciation & Amortization 16.3 M
Capital Expenditures 0
Stock-Based Compensation 0
Change in Working Capital 0
Others -277 M
Free Cash Flow -30.1 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets White Mountains Insurance Group, Ltd.
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WTM has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
1 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.21.2110.80.80.60.60.40.40.20.20011.0011.0011.0011.0011.0011.0011.0011.0011.0011.0011.002015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 15
6. Ownership
Insider Ownership White Mountains Insurance Group, Ltd.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
WHITE MOUNTAINS PARTNERS ANNOUNCES ACQUISITION OF ENTERPRISE SOLUTIONS NEW YORK , April 1, 2025 /PRNewswire/ -- White Mountains Partners ("WMP"), a White Mountains operating company, announced today that it has acquired a majority interest in Enterprise Electric, LLC d/b/a Enterprise Solutions ("Enterprise Solutions" or the "Company"), a leading provider of specialty electrical contracting services.  Founded in 2003 and headquartered in Nashville, Tennessee, the Company designs, engineers, prefabricates, and installs the electrical infrastructure for the built environment serving customers across several commercial and institutional end markets, including healthcare, manufacturing, education, and data centers. prnewswire.com - 2 weeks ago
White Mountains: A High-Quality Insurer At A Fair Price White Mountains avoids competitive insurance sectors like auto and homeowners insurance, instead focusing on specialized, high-margin businesses where underwriting expertise is a key advantage. The company reported 7.9% growth in book value per share, a 12.35% free cash flow yield, and maintains a conservative balance sheet, reinforcing its ability. Trading at a 1.01x book value, significantly below peers like Markel (1.49x) and Chubb (1.8x), White Mountains presents a compelling long-term investment for those prioritizing steady returns over short-term momentum. seekingalpha.com - 1 month ago
WHITE MOUNTAINS REPORTS FOURTH QUARTER RESULTS HAMILTON, Bermuda , Feb. 7, 2025 /PRNewswire/ -- White Mountains Insurance Group, Ltd. (NYSE: WTM) reported book value per share of $1,746 and adjusted book value per share of $1,834 as of December 31, 2024. prnewswire.com - 2 months ago
Homestead Capital, Farmland Specialist Investment Manager, Adds Kudu Investment Management as Strategic Partner SAN FRANCISCO and NEW YORK , Jan. 14, 2025 /PRNewswire/ -- Homestead Capital USA LLC (Homestead), an asset manager focused on strategic investments in U.S. farmland, and Kudu Investment Management, LLC (Kudu), a provider of permanent capital solutions to asset and wealth managers globally, today announced that Kudu has made a passive, minority investment in Homestead. Financial terms were not disclosed. prnewswire.com - 3 months ago
RiverNorth Capital Management Partners With Kudu Investment Management to Support Expansion WEST PALM BEACH, Fla. and NEW YORK , Dec. 4, 2024 /PRNewswire/ -- RiverNorth Capital Management, LLC (RiverNorth), an investment manager  that specializes in opportunistic strategies and closed-end funds, and Kudu Investment Management, LLC (Kudu), a provider of permanent capital solutions to asset and wealth managers globally, today announced that Kudu has made a passive, minority investment in RiverNorth to support the firm's growth. prnewswire.com - 4 months ago
WHITE MOUNTAINS REPORTS THIRD QUARTER RESULTS HAMILTON, Bermuda , Nov. 6, 2024 /PRNewswire/ -- White Mountains Insurance Group, Ltd. (NYSE: WTM) reported book value per share of $1,795 and adjusted book value per share of $1,883 as of September 30, 2024. prnewswire.com - 5 months ago
Healthcare-Focused Secondaries Manager Revelation Partners Adds Kudu Investment Management as Strategic Partner SAUSALITO, Calif. and NEW YORK , Oct. 22, 2024 /PRNewswire/ -- Revelation Partners (Revelation), a leading investment manager in the healthcare secondaries market, and Kudu Investment Management, LLC (Kudu), a provider of permanent capital solutions to independent asset and wealth managers worldwide, today announced that Kudu has made a minority investment in Revelation. prnewswire.com - 5 months ago
BAM Mutual Launches Bond Insurance for Australia's Energy Transition and Social Infrastructure Projects MELBOURNE, Australia--(BUSINESS WIRE)---- $WTM--BAM Mutual, the only mutual bond insurer focused on reducing the cost of debt sold for essential infrastructure, is opening a Melbourne office and will begin insuring bonds and loans sold to finance projects in Australia and New Zealand. BAM's focus will include electricity transmission and distribution networks that support the energy transition, social infrastructure, and transportation facilities. “BAM Mutual's mission is to make infrastructure more aff. businesswire.com - 7 months ago
Bamboo Insurance Lands on the Prestigious Inc. 5000 List for the 2nd Year in a Row With a three-year revenue growth of 309 percent, Bamboo Insurance ranks among America's Fastest-Growing Private Companies. MIDVALE, Utah , Aug. 13, 2024 /PRNewswire/ -- Inc. announced today Bamboo Insurance has earned the No. prnewswire.com - 8 months ago
Nasdaq Sell-Off: 5 Unstoppable Stocks to Buy That Can Protect Your Principal and Grow Your Wealth in an Unpredictable Market The Nasdaq Composite shed almost 1,400 points in a three-day stretch, which decisively pushed this growth-oriented index into correction territory. Heightened volatility on Wall Street is no reason for long-term investors to retreat to the sideline. fool.com - 8 months ago
WHITE MOUNTAINS REPORTS SECOND QUARTER RESULTS HAMILTON, Bermuda , Aug. 7, 2024 /PRNewswire/ -- White Mountains Insurance Group, Ltd. (NYSE: WTM) reported book value per share of $1,722 and adjusted book value per share of $1,777 as of June 30, 2024. prnewswire.com - 8 months ago
White Mountains to Hold 2024 Annual Investor Information Meeting on June 7, 2024 HAMILTON, Bermuda , May 20, 2024 /PRNewswire/ -- White Mountains Insurance Group, Ltd. (NYSE: WTM) will hold its Annual Investor Information Meeting on: Date: Friday, 7 June, 2024 Time: 10:00 a.m. prnewswire.com - 11 months ago
8. Profile Summary

White Mountains Insurance Group, Ltd. WTM

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COUNTRY BM
INDUSTRY Insurance - Property & Casualty
MARKET CAP $ 4.33 B
Dividend Yield 0.00%
Description White Mountains Insurance Group, Ltd., through its subsidiaries, provides insurance and other financial services in the United States. The company operates through five segments: HG Global/BAM, Ark, NSM, Kudu, and Other Operations. The HG Global/BAM segment provides insurance on municipal bonds issued to finance public purposes, such as schools, utilities, and transportation facilities, as well as reinsurance protection services. The Ark segment writes a portfolio of reinsurance and insurance, including property, marine and energy, accident and health, casualty, and specialty products. The NSM segment operates as a managing general agent and program administrator for specialty property and casualty insurance to various sectors comprising specialty transportation, real estate, social services, and pet. The Kudu segment provides capital solutions to boutique asset and wealth managers for generational ownership transfers, management buyouts, acquisitions and growth finances, and legacy partner liquidity, as well as strategic assistance to investees. The Other Operations segment offers insurance solutions to travel industry through broker channel and on a direct-to-consumer basis; and manages separate accounts and pooled investment vehicles for insurance-linked securities sectors, including catastrophe bonds, collateralized reinsurance investments, and industry loss warranties of third-party clients. White Mountains Insurance Group, Ltd. was incorporated in 1980 and is headquartered in Hamilton, Bermuda.
Contact A.S. Cooper Building, Hamilton, HM 11 https://www.whitemountains.com
IPO Date Oct. 23, 1985
Employees 893
Officers Ms. Jennifer L. Moyer Chief Administrative Officer & Corporate Secretary Mr. Giles Edward Harrison Executive Vice President & Chief Strategy Officer Mr. Dennis Beaulieu Treasurer Mr. George Manning Rountree Chief Executive Officer & Director Mr. Robert Lawrence Seelig Esq. Executive Vice President, General Counsel & Investor Relation Mr. Timothy Michael Miller Chief Executive Officer of OneBeacon Ltd, President of OneBeacon Ltd and Chief Operating Officer of Onebeacon Mr. Jonathan Adam Cramer Chief Investment Officer Ms. Michaela J. Hildreth MD & Chief Accounting Officer Mr. David Grant Staples Head of Tax Mr. Liam P. Caffrey President & Chief Financial Officer