White Mountains Financials

WTM Stock  USD 1,884  11.96  0.64%   
Based on the key indicators related to White Mountains' liquidity, profitability, solvency, and operating efficiency, White Mountains Insurance is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in April. At this time, White Mountains' Total Permanent Equity is very stable compared to the past year. As of the 25th of March 2025, Noncontrolling Interest In Consolidated Entity is likely to grow to about 229.1 M, while Retained Earnings are likely to drop about 2.1 B. Key indicators impacting White Mountains' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.720.3912
Way Up
Slightly volatile
Current Ratio0.560.5939
Notably Down
Slightly volatile
Investors should never underestimate White Mountains' ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor White Mountains' cash flow, debt, and profitability to make informed and accurate decisions about investing in White Mountains Insurance.

Net Income

61.27 Million

  
Understanding current and past White Mountains Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of White Mountains' financial statements are interrelated, with each one affecting the others. For example, an increase in White Mountains' assets may result in an increase in income on the income statement.

White Mountains Stock Summary

White Mountains competes with NI Holdings, Donegal Group, Donegal Group, Hanover Insurance, and RLI Corp. White Mountains Insurance Group, Ltd., through its subsidiaries, provides insurance and other financial services in the United States. White Mountains Insurance Group, Ltd. was incorporated in 1980 and is headquartered in Hamilton, Bermuda. White Mountains operates under InsuranceProperty Casualty classification in the United States and is traded on New York Stock Exchange. It employs 1648 people.
Specialization
Financial Services, Insurance - Property & Casualty
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINBMG9618E1075
CUSIPG9618E107 964126106 360768105
LocationNew Hampshire; U.S.A
Business AddressAS Cooper Building,
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.whitemountains.com
Phone441 278 3160
CurrencyUSD - US Dollar

White Mountains Key Financial Ratios

White Mountains Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets4.8B7.0B7.4B8.4B9.9B10.0B
Net Debt165.2M433.7M320.2M442.2M310.2M294.7M
Retained Earnings3.3B3.0B3.2B3.7B3.9B2.1B
Total Liab1.0B3.3B3.5B3.8B4.8B6.2B
Other Current Liab(471M)(778.2M)(251.1M)(14.1M)(237.6M)(225.7M)
Other Assets1.5B2.1B3.4B2.9B9.5B6.0B
Net Receivables87M956.3M1.1B1.1B1.4B1.3B
Total Current Assets441.1M1.7B660.7M121.7M141.1M134.0M
Short Term Debt357.6M218.2M5.4M8.2M7.4M7.0M
Accounts Payable113.4M560M251.1M81.1M237.6M139.5M
Cash211.2M259.3M255M122.4M252.3M190.9M
Good Will525.5M142.3M176.5M168.8M194.1M148.4M
Common Stock595.2M588.9M538.6M2.6M3.0M2.8M
Intangible Assets782.4M340.5M392.4M201.8M232.1M196.4M
Other Liab127.5M175.8M1.2B1.5B1.3B1.2B
Long Term Debt376.4M693M575.2M564.6M562.5M552.6M
Net Tangible Assets2.6B3.1B2.5B3.4B3.0B2.7B
Long Term Debt Total283.5M376.4M693M575.2M517.7M396.9M
Capital Surpluse593.1M592.1M585.9M536M482.4M680.8M
Inventory(647.4M)(1.2B)(1.0B)(2.7B)(2.4B)(2.3B)

White Mountains Key Income Statement Accounts

202020212022202320242025 (projected)
Total Revenue1.2B944.8M1.2B2.2B118.8M112.9M
Gross Profit1.2B875.5M1.1B2.1B89.2M84.7M
Operating Income618.9M(413.4M)874.5M116.7M103.4M179.8M
Ebit667.8M(254.1M)(109.1M)628.1M103.4M98.2M
Ebitda711.2M(232.5M)(103.9M)610.3M35.8M34.0M
Net Income708.7M(340.6M)(190.8M)502M64.5M61.3M
Income Tax Expense(20.5M)38.6M41.4M(15.5M)32.6M34.2M
Interest Expense29.5M43.8M40.3M62.7M60.8M45.2M
Income Before Tax645.2M(302M)(149.4M)565.4M316.7M332.5M
Cost Of Revenue11.3M69.3M98.6M40.4M29.6M28.1M
Extraordinary Items800K(2.3M)18.7M902.5M1.0B1.1B
Minority Interest(45.3M)46.5M80.4M(16.6M)(53.7M)(51.0M)
Tax Provision(20.5M)38.6M41.4M86.9M32.6M18.0M
Interest Income26.2M43.8M40.3M0.015.8M17.8M
Net Interest Income(29.5M)(43.8M)(40.3M)(57.7M)(60.8M)(57.8M)

White Mountains Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash50.2M48.1M107.3M(132.6M)(200K)(210K)
Free Cash Flow9.3M145M326.3M404.1M(30.1M)(28.6M)
Depreciation43.4M63.6M4.3M(17.8M)16.3M15.5M
Other Non Cash Items(832.8M)48.5M(660M)(449.3M)(287.9M)(273.5M)
Net Income663.4M(321.9M)712.4M509.2M230.4M214.3M
End Period Cash Flow211.2M259.3M255M122.4M100K95K
Investments51.8M(818M)108.4M(607M)(447M)(424.7M)
Net Borrowings183.5M80.1M282M157.1M180.7M189.7M
Change To Netincome(504.1M)(869M)224.4M(765.2M)(688.7M)(654.2M)

White Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining White Mountains's current stock value. Our valuation model uses many indicators to compare White Mountains value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across White Mountains competition to find correlations between indicators driving White Mountains's intrinsic value. More Info.
White Mountains Insurance is rated below average in return on equity category among its peers. It is rated fourth in return on asset category among its peers reporting about  0.65  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for White Mountains Insurance is roughly  1.55 . At this time, White Mountains' Return On Equity is very stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value White Mountains by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

White Mountains Insurance Systematic Risk

White Mountains' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. White Mountains volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on White Mountains Insurance correlated with the market. If Beta is less than 0 White Mountains generally moves in the opposite direction as compared to the market. If White Mountains Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one White Mountains Insurance is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of White Mountains is generally in the same direction as the market. If Beta > 1 White Mountains moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in White Mountains Stock are looking for potential investment opportunities by analyzing not only static indicators but also various White Mountains' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of White Mountains growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.92)

At this time, White Mountains' Price Earnings To Growth Ratio is very stable compared to the past year.

White Mountains March 25, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of White Mountains help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of White Mountains Insurance. We use our internally-developed statistical techniques to arrive at the intrinsic value of White Mountains Insurance based on widely used predictive technical indicators. In general, we focus on analyzing White Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build White Mountains's daily price indicators and compare them against related drivers.
When determining whether White Mountains Insurance is a strong investment it is important to analyze White Mountains' competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact White Mountains' future performance. For an informed investment choice regarding White Stock, refer to the following important reports:
Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in White Mountains Insurance. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in estimate.
You can also try the Sectors module to list of equity sectors categorizing publicly traded companies based on their primary business activities.
Is Property & Casualty Insurance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of White Mountains. If investors know White will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about White Mountains listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
6.582
Dividend Share
1
Earnings Share
89.88
Revenue Per Share
929.745
Quarterly Revenue Growth
(0.51)
The market value of White Mountains Insurance is measured differently than its book value, which is the value of White that is recorded on the company's balance sheet. Investors also form their own opinion of White Mountains' value that differs from its market value or its book value, called intrinsic value, which is White Mountains' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because White Mountains' market value can be influenced by many factors that don't directly affect White Mountains' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between White Mountains' value and its price as these two are different measures arrived at by different means. Investors typically determine if White Mountains is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, White Mountains' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.