WTM Share Price | White Mountains Insurance Group Ltd. Stock Analysis & Recommendation

Q: How big is White Mountains Insurance Group Ltd.?

Market Cap: As of Jun 18, White Mountains Insurance Group Ltd. has a market capitalization of 4,502.58 million, which classifies it as a Small Cap company.Recent Quarterly Performance: For the latest four quarters, the company reported net sales of 0.00 million and a net profit of 124.60 million.Balance Sheet Snapshot: As of Dec 24, the company's shareholder's funds amounted to 4,483.70 million, while total assets were reported at 9,336.60 million.

Q: What does White Mountains Insurance Group Ltd. do?

Overview:White Mountains Insurance Group Ltd. is a holding company operating in the insurance industry, classified as a small-cap entity.Financial Snapshot:- Most recent Net Profit: 62 Million (Quarterly Results - Mar 2025)- Market-cap: USD 4,502.58 Million (Small Cap)Key Metrics:- P/E: 49.00- Dividend Yield: 0.06%- Debt Equity: -999,999.00- Return on Equity: 2.12%- Price to Book: 1.00Contact Details:- Address: 23 SOUTH MAIN STREET, SUITE 3B, HANOVER NH: 03755- Tel: 1 603 6402200- Website: http://www.whitemountains.com/

Q: Is White Mountains Insurance Group Ltd. technically bullish or bearish?

As of 3 October 2025, the technical trend for White Mountains Insurance Group Ltd. has changed from bearish to mildly bearish. The current stance is mildly bearish, driven by daily moving averages indicating a bearish trend, while the weekly MACD and KST show mild bullishness. The Bollinger Bands are bullish on both weekly and monthly time frames, but the overall monthly indicators, including MACD and Dow Theory, lean bearish. In terms of performance, the stock has outperformed the S&P 500 over the past week and month, but it lags behind the benchmark on a year-to-date and one-year basis. Over three years, the stock has returned 40.07% compared to the S&P 500's 82.57%, and over five years, it has returned 121.41% versus the S&P 500's 100.56%.

Q: Is White Mountains Insurance Group Ltd. overvalued or undervalued?

As of 28 November 2025, the valuation grade for White Mountains Insurance Group Ltd. has moved from very expensive to expensive. The company appears to be overvalued based on its current metrics, including a P/E ratio of 49, an EV to EBITDA of 85.01, and a Price to Book Value of 1.04. In comparison to its peers, CNA Financial Corp. has a P/E of 14.82 and Unum Group has a P/E of 13.25, indicating that White Mountains is trading at a significant premium relative to these companies.The company's recent stock performance shows a 1-year return of 0.74%, which underperforms the S&P 500's return of 14.18% over the same period, reinforcing the notion that the stock may not be a compelling investment at its current valuation. Overall, the high valuation ratios and the comparative analysis suggest that White Mountains Insurance Group Ltd. is overvalued in the current market context.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

21.77 k

Shareholding (Dec 2025)

FII

6.11%

Held by 99 FIIs

DII

53.92%

Held by 40 DIIs

Promoter

0.01%

How big is White Mountains Insurance Group Ltd.?

22-Jun-2025

As of Jun 18, White Mountains Insurance Group Ltd. has a market capitalization of 4,502.58 million, classifying it as a Small Cap company, with shareholder's funds of 4,483.70 million and total assets of 9,336.60 million.

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What does White Mountains Insurance Group Ltd. do?

22-Jun-2025

White Mountains Insurance Group Ltd. is a small-cap holding company in the insurance sector, with a recent net profit of $62 million and a market cap of approximately $4.5 billion. Key metrics include a P/E ratio of 49.00 and a dividend yield of 0.06%.

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Who are in the management team of White Mountains Insurance Group Ltd.?

22-Jun-2025

As of March 2022, the management team of White Mountains Insurance Group Ltd. includes Mr. Morgan Davis (Non-Executive Independent Chairman), Mr. George Rountree (CEO), Mr. David Tanner (Independent Vice Chairman), and several independent directors: Mr. Peter Carlson, Ms. Mary Choksi, Mr. Philip Gelston, and Ms. Edith Holiday. This diverse team oversees the company's governance and strategic direction.

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Is White Mountains Insurance Group Ltd. technically bullish or bearish?

07-Oct-2025

As of October 3, 2025, White Mountains Insurance Group Ltd. is in a mildly bearish trend, with daily moving averages indicating bearishness, while weekly indicators show mild bullishness, and despite outperforming the S&P 500 recently, it lags behind on a year-to-date and one-year basis.

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Is White Mountains Insurance Group Ltd. overvalued or undervalued?

02-Dec-2025

As of November 28, 2025, White Mountains Insurance Group Ltd. is considered overvalued with a P/E ratio of 49 and an EV to EBITDA of 85.01, significantly higher than its peers, and has underperformed the S&P 500 with a 1-year return of only 0.74%.

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Compare White Mountains Insurance Group Ltd. with Similar Stocks

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

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)

With ROE of 2.12%, it has a very expensive valuation with a 1.04 Price to Book Value

Underperformed the market in the last 1 year

Mojo Parameters

Stock DNA

Industry

Insurance

Market cap

USD 5,427 Million (Small Cap)

P/E

5.00

Industry P/E

Dividend Yield

0.09%

Debt Equity

-999,999.00

Return on Equity

21.38%

Price to Book

1.00

Revenue and Profits:

Net Sales:

(Quarterly Results - Dec 2025)

Net Profit:

804 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

6.92%

6 Months

24.38%

1 Year

16.91%

2 Years

23.01%

3 Years

61.95%

4 Years

108.47%

5 Years

85.55%

White Mountains Insurance Group Ltd. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality 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)

Sales to Capital Employed (avg)

Tax Ratio

20.06%

Dividend Payout Ratio

0.23%

Pledged Shares

Institutional Holding

97.58%

ROCE (avg)

ROE (avg)

8.21%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.00

EV to EBIT

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%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

No Trend

OBV

No Trend

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Dec 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 73 Schemes (39.95%)

Foreign Institutions

Held by 99 Foreign Institutions (6.11%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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Quarterly Results Snapshot (Consolidated) - Dec'25 - QoQ

Dec'25

Sep'25

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

10.30

7.80

32.05%

Interest

22.10

19.90

11.06%

Exceptional Items

-98.80

-36.10

-173.68%

Consolidate Net Profit

803.50

160.20

401.56%

Operating Profit Margin (Excl OI)

228.80%

271.70%

-4.29%

USD in Million.

Compare with Peers

Net Sales

QoQ Growth in quarter ended Dec 2025 is 0.00% vs 0.00% in Sep 2025

Consolidated Net Profit

QoQ Growth in quarter ended Dec 2025 is 401.56% vs -1.11% in Sep 2025

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'25

Dec'25

Dec'24

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

28.40

22.00

29.09%

Interest

78.40

60.80

28.95%

Exceptional Items

-173.00

-61.30

-182.22%

Consolidate Net Profit

1,188.30

281.10

322.73%

Operating Profit Margin (Excl OI)

253.20%

195.90%

5.73%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2025 is 0.00% vs 0.00% in Dec 2024

Consolidated Net Profit

YoY Growth in year ended Dec 2025 is 322.73% vs -51.00% in Dec 2024

All Annual Results

Company CV

About White Mountains Insurance Group Ltd.

White Mountains Insurance Group Ltd.

Insurance

White Mountains Insurance Group, Ltd. is a holding company. The Company's principal businesses are conducted through its insurance subsidiaries and other affiliates. Its segments include HG Global/BAM and Other Operations. The HG Global/BAM segment consists of the operations of HG Global Ltd. (HG Global) and Build America Mutual Assurance Company (BAM). The Other Operations segment consists of the Company and its intermediate holding companies, its investment management subsidiary, White Mountains Advisors LLC, and certain consolidated and unconsolidated private capital investments.

Company Coordinates

Company Details

23 SOUTH MAIN STREET, SUITE 3B , HANOVER NH : 03755

Tel: 1 603 6402200

http://www.whitemountains.com/

Registrar Details