NYSE
WTM
Last Price
US $2167.79
KEY FIGURES
MKT CAP
$5.4B
EPS
TTM
$407.73
PEG
TTM
0.00x
P/E
TTM
5.32x
P/S
TTM
2.09x
YIELD
0.05%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
20.61%
Return on equity
ROIC: 14.12%
Valuation History
5.4X
Price to Earnings
EV/EBITDA: 4.6X
Cash flow
Profit margin
24.76%
(FY vs FY)
EBITDA Y/Y
15.79%
(FY vs FY)
Cash flow Y/Y
12.20%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $2167.79
—
Default assumptions
EBITDA Multiple
Fair Value
Market $2167.79
71.65%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
White Mountains Insurance Group, Ltd. cash flow to debt ratio of -0.86% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial risk - Healthy cash flow growth.
White Mountains Insurance Group, Ltd.'s free cash flow has decreased -101.23% from $586.80M last year to $-7.20M, signaling decreasing performance
Financial stability - Healthy debt to equity ratio.
White Mountains Insurance Group, Ltd.'s debt to equity ratio is 0.16, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial risk - Healthy debt to equity ratio development.
White Mountains Insurance Group, Ltd.'s debt has increased relative to shareholder equity from 0.13 last year to 0.16 today, signaling weakened financials
Financial stability - Net debt/EBITDA.
White Mountains Insurance Group, Ltd. has a net debt to EBITDA ratio of 0.46x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
White Mountains Insurance Group, Ltd.'s interest coverage ratio of 20.41 indicates that earnings with good margin can cover interest payments on company debt
Financial stability - Profit margin growth.
White Mountains Insurance Group, Ltd.'s profit margin has increased (302.33%) in the last year from 9.79% to 39.37%, signaling increasing performance
Financial stability - Short term assets vs short term liabilities.
White Mountains Insurance Group, Ltd.'s short-term assets of $4.91G exceed its short-term liabilities of $4.33G
Increasing performance - ROA.
White Mountains Insurance Group, Ltd.'s return on assets of 7.91% is higher than the 5.00% threshold, indicating efficient asset utilization
Increasing performance - Absolute return on equity.
White Mountains Insurance Group, Ltd.'s return on equity of 20.61%, is higher than 15.00%, indicating good performance
Decreasing performance - Earnings quality.
White Mountains Insurance Group, Ltd.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation
Increasing performance - Earnings stability.
White Mountains Insurance Group, Ltd. had positive net income in 4.00 out of 5 years, indicating stable and consistent earnings
Decreasing performance - Free cash flow.
White Mountains Insurance Group, Ltd. has negative free cash flow, indicating the company is burning cash rather than generating it
Decreasing performance - FCF yield.
White Mountains Insurance Group, Ltd. has negative free cash flow, indicating cash burn
Increasing performance - Healthy earnings growth.
White Mountains Insurance Group, Ltd.'s yearly earnings has increased 380.21% since last year from $230.40M to $1.11G, signaling increasing performance
Increasing performance - Healthy revenue growth.
White Mountains Insurance Group, Ltd.'s yearly revenue has increased 1.06K% since last year from $15.80M to $183.40M, signaling increasing performance
Increasing performance - ROIC.
ROIC 14.12% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.
Increasing performance - 3-year revenue CAGR.
White Mountains Insurance Group, Ltd.'s 3-year revenue CAGR of 32.73% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
White Mountains Insurance Group, Ltd. had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
White Mountains Insurance Group, Ltd. had positive ROE in 4.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
White Mountains Insurance Group, Ltd. has insufficient data to evaluate this check.
Undervalued - Earnings yield.
White Mountains Insurance Group, Ltd. has an earnings yield of 18.81%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Undervalued - EBITDA valuation.
White Mountains Insurance Group, Ltd. is undervalued relative to its fair value price of 3.72K based on EBITDA multiple model
Undervalued - EV/EBITDA.
White Mountains Insurance Group, Ltd. has an EV/EBITDA ratio of 4.27x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
White Mountains Insurance Group, Ltd. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
White Mountains Insurance Group, Ltd. has a price-to-book ratio of 0.90x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
White Mountains Insurance Group, Ltd. has a price-to-sales ratio of 2.09x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue