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 buy?
- 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.
16.91%
0.73
25.25%
S&P 500
16.41%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.05%
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
97.58%
ROCE (avg)
0
ROE (avg)
8.21%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
1.00
EV to EBIT
NA
EV to EBITDA
231.94
EV to Capital Employed
1.00
EV to Sales
1.55
PEG Ratio
0.02
Dividend Yield
0.09%
ROCE (Latest)
ROE (Latest)
21.38%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend26What is working for the Company
NET SALES(9M)
At USD 2,129.5 MM has Grown at 33.72%
ROCE(HY)
Highest at 22.26%
PRE-TAX PROFIT(Q)
Highest at USD 889.6 MM
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET PROFIT(Q)
Highest at USD 825.5 MM
EPS(Q)
Highest at USD 327.23
-8What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at 12.02 %
INTEREST(Q)
Highest at USD 22.1 MM
Here's what is working for White Mountains Insurance Group Ltd.
Pre-Tax Profit
At USD 889.6 MM has Grown at 800.86%
over average net sales of the previous four periods of USD 98.75 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 825.5 MM has Grown at 1,403.75%
over average net sales of the previous four periods of USD 54.9 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Pre-Tax Profit
Highest at USD 889.6 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Sales
At USD 2,129.5 MM has Grown at 33.72%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Profit
Highest at USD 825.5 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 327.23
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
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.
Interest
At USD 22.1 MM has Grown at 11.06%
period on period (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Interest
Highest at USD 22.1 MM
in the last five periods and Increased by 11.06% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Debt-Equity Ratio
Highest at 12.02 %
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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