Price
No data yet.
Social Signal Score
Revenue
$844.60M+1386.97%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Liam Caffrey
- Sector
- Financial Services
- Industry
- Insurance - Diversified
- Employees
- 1,648
- Beta
- 0.30
- Country
- BM
- Piotroski score
- 5 / 9 (Middling)
- Altman Z-score
- 1.44
Financials
Revenue
$844.60M+1387.0%Net Income
$199.50M+119.7%EBITDA
$285.00MFree Cash Flow
$-25.00M-154.1%EPS (diluted)
$80.58+333.0%Shares Outstanding (diluted)
2.41M-50.0%Operating Expenses
$258.10MCash & Debt
$1.79BReturn of Capital
$219.20MRevenue by Segment (annual)
$1.27BDividend per Share
$1.00Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $2.71B | $1.11B | $430.14 |
| 2024 | $2.35B | $230.40M | $89.79 |
| 2023 | $2.17B | $509.20M | $198.63 |
| 2022 | $1.16B | $792.80M | $276.96 |
| 2021 | $614.40M | $-275.40M | $-89.46 |
| 2020 | $895.60M | $708.70M | $227.72 |
| 2019 | $893.40M | $414.50M | $130.27 |
| 2018 | $369.10M | $-141.20M | $-41.76 |
| 2017 | $373.80M | $627.20M | $146.06 |
| 2016 | $157.70M | $401.80M | $82.24 |
| 2015 | $440.00M | $295.20M | $50.60 |
| 2014 | $1.41B | $312.20M | $51.21 |
| 2013 | $1.36B | $321.60M | $51.89 |
| 2012 | $2.44B | $207.40M | $30.50 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from WTM's reported EPS growth of 22.6% a year over 13 years.
- EPS in 5 years
- $1,200
- Implied price
- $5,999
- Return from $2,104
- 23.3% a year
To earn 15.0% a year on these assumptions you'd need to buy at $2,983 — today's price is already 29.5% below that.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 1 | 3 | 5 | 7 | 9 |
|---|---|---|---|---|---|
| 12.6% | -17.9% | 2.3% | 13.3% | 21.1% | 27.4% |
| 17.6% | -14.3% | 6.8% | 18.3% | 26.5% | 33.0% |
| 22.6% | -10.6% | 11.3% | 23.3% | 31.9% | 38.7% |
| 27.6% | -7.0% | 15.9% | 28.3% | 37.3% | 44.4% |
| 32.6% | -3.3% | 20.4% | 33.4% | 42.7% | 50.0% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
125+25.00%Social Signal Score
Mentions (2)
- Newszacks.com·1d ago·Positive
All You Need to Know About White Mountains (WTM) Rating Upgrade to Buy White Mountains (WTM) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
View source ↗ - Newsprnewswire.com·9d ago·Neutral
Stephen Klar Elected to the White Mountains Board HAMILTON, Bermuda, Aug. 27, 2026 /PRNewswire/ -- The Board of Directors of White Mountains Insurance Group, Ltd. (NYSE: WTM) has elected Stephen Klar as a director of the Company.
View source ↗
Earnings
Thu, Nov 5(in 2 months)
Consensus estimate $34.00 per share
Typical surprise -22.5% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Aug 6$0.81 vs $0.75beat
- Wed, May 6$-12.59 vs $-4.00miss
- Fri, Feb 6$3.27 vs $3.79miss
- Thu, Nov 6$44.19 vs $57.00miss
- Thu, Aug 7$47.75 vs $57.00miss
- Wed, May 7$-20.50 vs $-14.00miss
Estimates and results for WTM via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by WTM officers and directors.
- Bought
- $1.5m
- Sold
- $20.8m
5 trades
4 trades
- Campbell Reid Tarltonsold
- Campbell Reid Tarltonsold
- Rountree George Manningsold
- Gelston Philip Asold
- Hicks Weston Mbought
- Hicks Weston Mbought
- Hicks Weston Mbought
- Hicks Weston Mbought
91 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.