ScoreWhy is White Mountains Insurance Group Ltd. ?
1
- PRE-TAX PROFIT(Q) At USD 204.9 MM has Grown at 260.26%
- NET PROFIT(Q) At USD 147.62 MM has Grown at 518.6%
- RAW MATERIAL COST(Y) Fallen by 0% (YoY)
2
With ROE of 2.12%, it has a very expensive valuation with a 1.04 Price to Book Value
- Over the past year, while the stock has generated a return of 3.75%, its profits have fallen by -84.2%
3
Underperformed the market in the last 1 year
- The stock has generated a return of 3.75% in the last 1 year, much lower than market (S&P 500) returns of 14.11%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to White Mountains Insurance Group Ltd. should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is White Mountains Insurance Group Ltd. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
White Mountains Insurance Group Ltd.
13.58%
0.73
25.25%
S&P 500
22.24%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
19.57%
EBIT Growth (5y)
285.40%
EBIT to Interest (avg)
-0.20
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
20.06%
Dividend Payout Ratio
0.23%
Pledged Shares
0
Institutional Holding
95.16%
ROCE (avg)
0
ROE (avg)
8.21%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
4
Industry P/E
Price to Book Value
0.98
EV to EBIT
-3639.09
EV to EBITDA
128.14
EV to Capital Employed
0.97
EV to Sales
1.26
PEG Ratio
0.01
Dividend Yield
0.05%
ROCE (Latest)
ROE (Latest)
22.98%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Bullish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend21What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 722.9 MM
NET SALES(HY)
At USD 1,269.9 MM has Grown at 35.7%
NET PROFIT(HY)
Higher at USD 891.23 MM
ROCE(HY)
Highest at 20.75%
INTEREST COVERAGE RATIO(Q)
Highest at 50.26
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
-20What is not working for the Company
INTEREST(HY)
At USD 41.4 MM has Grown at 29.78%
DEBT-EQUITY RATIO
(HY)
Highest at 13.01 %
NET SALES(Q)
Lowest at USD 515.4 MM
OPERATING PROFIT(Q)
Lowest at USD 1.4 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 0.27 %
PRE-TAX PROFIT(Q)
Lowest at USD -15.5 MM
NET PROFIT(Q)
Lowest at USD -20.8 MM
EPS(Q)
Lowest at USD -12.59
Here's what is working for White Mountains Insurance Group Ltd.
Operating Cash Flow
Highest at USD 722.9 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Interest Coverage Ratio
Highest at 50.26
in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for White Mountains Insurance Group Ltd.
Net Sales
At USD 515.4 MM has Fallen at -28.56%
over average net sales of the previous four periods of USD 721.42 MMMOJO Watch
Near term sales trend is extremely negative
Net Sales (USD MM)
Pre-Tax Profit
At USD -15.5 MM has Fallen at -104.13%
over average net sales of the previous four periods of USD 375.43 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD -20.8 MM has Fallen at -106.67%
over average net sales of the previous four periods of USD 311.65 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Interest
At USD 41.4 MM has Grown at 29.78%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Net Sales
Lowest at USD 515.4 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
Operating Profit
Lowest at USD 1.4 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 0.27 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD -15.5 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD -20.8 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD -12.59
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Debt-Equity Ratio
Highest at 13.01 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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