Stocktoria
WHITE MOUNTAINS INSURANCE GROUP LTD WTM
WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 0.05% (safety: safe). FY2025 revenue was $3.7B at a 29.6% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| WTM | WHITE MOUNTAINS INSURANCE GROUP LTD | 5/9 | — | 4.5 | +66.8% |
| AHL-PD | ASPEN INSURANCE HOLDINGS LTD | 3/9 | — | — | -1.2% |
| SPNT | SiriusPoint Ltd | 5/9 | — | 6.1 | +23.1% |
| HG | Hamilton Insurance Group, Ltd. | 4/9 | — | — | +24.7% |
| KMPB | KEMPER Corp | 6/9 | — | 11 | +3.3% |
| PLGO | Pelagos Insurance Capital Ltd | 1/9 | — | — | +3.3% |
| SIGI | SELECTIVE INSURANCE GROUP INC | 5/9 | — | 12.4 | +9.8% |
All Finance, Insurance & Real Estate companies →
About WHITE MOUNTAINS INSURANCE GROUP LTD
White Mountains Insurance Group, Ltd. provides insurance services in the United States, the United Kingdom, Bermuda, and internationally. It operates through Ark/WM Outrigger, HG Global, Kudu, Distinguished, and Other Operations segments. The company offers property insurance and reinsurance; specialty insurance and reinsurance consisting of aviation, contingency, cyber, fine art and specie, mortgage, nuclear, political and credit, space, surety, and terrorism and political violence; marine and energy insurance and reinsurance; casualty insurance and reinsurance, such as medical malpractice, and professional and general liability; and accident and health insurance and reinsurance, which includes personal accident, sickness, disability, travel, short-term life, and medical products through brokers, managing general agents (MGA), and reinsurance intermediaries. It also provides municipal bond guarantee reinsurance, which focuses on single risk limits for small-to-medium sized, and public investment grade municipal bonds that are issued to finance public purpose projects, including schools, utilities, and transportation facilities. In addition, the company offers capital solutions for boutique asset and wealth managers for generational ownership transfers, management buyouts, acquisition and growth finance, and legacy partner liquidity; strategic advice; investment management; and specialty electrical contracting services. Further, it operates as a full-service MGA and program administrator for specialty property and casualty insurance for the real estate and hospitality end markets, and start-up programs; and an MGA for leisure travel and global expatriate medical insurance in Israel, the European Union, and Australia. The company was formerly known as Fund American Enterprises Holdings, Inc. and changed its name to White Mountains Insurance Group, Ltd. in 1999. White Mountains Insurance Group, Ltd. was incorporated in 1980 and is headquartered in Hamilton, Bermuda.
FAQ
Is WTM financially healthy?
WHITE MOUNTAINS INSURANCE GROUP LTD's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does WTM pay a dividend, and is it safe?
Yes. WHITE MOUNTAINS INSURANCE GROUP LTD pays a dividend yielding about 0.05% with a 0.2% payout ratio, rated “safe” for safety.
How profitable is WTM?
In FY2025, WHITE MOUNTAINS INSURANCE GROUP LTD had a net margin of 29.6% and a return on equity of 18.1%.
Is WTM overvalued or undervalued?
WHITE MOUNTAINS INSURANCE GROUP LTD trades at about 4.9× trailing earnings — below its 10-year norm (10-year range 4.5×–21.5×, median 8.6×). Stocktoria reports the data, not buy/sell advice.
Is WTM a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on WHITE MOUNTAINS INSURANCE GROUP LTD: a Piotroski F-score of 5/9, a P/E of about 4.5×, a dividend yield of 0.05%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.