White Mountains Insurance Group (WTM) Stock Price, News & Analysis

Company Overview

White Mountains Insurance Group, Ltd. is a Bermuda-based diversified insurance and financial services holding company organized in 1985 and headquartered in Hamilton, Bermuda. The company operates through a portfolio of insurance, reinsurance and specialty finance businesses, offering a blend of underwriting expertise and investment management to institutional clients worldwide. As a publicly traded entity on the New York Stock Exchange (NYSE: WTM), White Mountains seeks to generate long-term shareholder value by combining disciplined capital management with strategic acquisitions and organic growth initiatives.

Through its principal operating subsidiaries—most notably Sirius International Insurance Group, Ltd. and Embrace Re—White Mountains underwrites property and casualty reinsurance and specialty insurance products. These offerings include treaty and facultative reinsurance in areas such as homeowners, commercial casualty and specialty liability, along with structured single-risk and multi-risk programs. The company’s specialty businesses also provide corporate-owned life insurance and niche coverage solutions tailored to sectors with unique risk profiles, such as energy, environmental liability and professional indemnity.

In addition to its underwriting activities, White Mountains maintains an active principal investment platform that targets opportunities in financial services, insurance, asset management and insurtech. This strategic investment arm seeks to identify and acquire stakes in public and private companies where White Mountains can leverage its insurance expertise, capital base and operational capabilities. The investment portfolio is managed with an emphasis on diversified risk, liquidity and long-term total returns, complementing the results generated by its insurance operations.

Governed by an experienced board of directors and led by a senior management team with deep backgrounds in insurance, reinsurance and investment management, White Mountains Insurance Group emphasizes rigorous risk controls, strong capital adequacy and prudent reserve practices. With operations spanning North America, Europe and selected global markets, the company is positioned to respond to evolving industry trends and client needs while maintaining a commitment to financial strength and underwriting discipline.

Key Stats

• Today's Range: $1,920.91 to $1,945.00
• 50-Day Range: $1,648.88 to $1,934.91
• 52-Week Range: $1,648.00 to $2,023.00
• Volume: 17,071 shs
• Average Volume: 35,923 shs
• Market Capitalization: $4.95 billion
• P/E Ratio: 24.06
• Dividend Yield: 0.05%
• Price Target: N/A
• Consensus Rating: Buy

White Mountains Insurance Group Stock Analysis - MarketRank™

White Mountains Insurance Group scored higher than 39% of companies evaluated by MarketBeat, and ranked 763rd out of 930 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for White Mountains Insurance Group.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of White Mountains Insurance Group is 24.06, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 43.23.

Price to Earnings Ratio vs. Sector

The P/E ratio of White Mountains Insurance Group is 24.06, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 21.16.

Price to Book Value per Share Ratio

White Mountains Insurance Group has a P/B Ratio of 0.96. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.25% of the float of White Mountains Insurance Group has been sold short.

Short Interest Ratio / Days to Cover

White Mountains Insurance Group has a short interest ratio ("days to cover") of 2.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in White Mountains Insurance Group has recently increased by 23.66%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

White Mountains Insurance Group has a dividend yield of 0.05%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

White Mountains Insurance Group does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of White Mountains Insurance Group is 1.25%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: 2.7 / 5
• Environmental Score: -0.43

Percentage of Shares Shorted

3.25% of the float of White Mountains Insurance Group has been sold short.

Short Interest Ratio / Days to Cover

White Mountains Insurance Group has a short interest ratio ("days to cover") of 2.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in White Mountains Insurance Group has recently increased by 23.66%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.6 / 5
• News Sentiment: 1.72

News Sentiment

White Mountains Insurance Group has a news sentiment score of 1.72. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.69 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for White Mountains Insurance Group this week, compared to 4 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, White Mountains Insurance Group insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 3.00% of the stock of White Mountains Insurance Group is held by insiders.

Percentage Held by Institutions

88.65% of the stock of White Mountains Insurance Group is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

WTM Stock Analysis - Frequently Asked Questions

How have WTM shares performed this year?

White Mountains Insurance Group's stock was trading at $1,945.06 at the beginning of the year. Since then, WTM stock has decreased by 1.3% and is now trading at $1,920.5690.

How were White Mountains Insurance Group's earnings last quarter?

White Mountains Insurance Group, Ltd. (NYSE:WTM) issued its quarterly earnings results on Wednesday, May, 7th. The insurance provider reported ($20.50) earnings per share (EPS) for the quarter, missing analysts' consensus estimates of ($14.00) by $6.50. The insurance provider had revenue of $472.20 million for the quarter. White Mountains Insurance Group had a trailing twelve-month return on equity of 9.17% and a net margin of 8.34%.

Who are White Mountains Insurance Group's major shareholders?

White Mountains Insurance Group's top institutional investors include Allspring Global Investments Holdings LLC (1.23%), Perpetual Ltd (0.32%), Harbor Capital Advisors Inc. (0.03%) and Regency Capital Management Inc. DE (0.03%). Insiders that own company stock include Mountains Insurance Grou White, Weston M Hicks and Michaela Hildreth.
View institutional ownership trends.

How do I buy shares of White Mountains Insurance Group?

Shares of WTM stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of White Mountains Insurance Group own?

Based on aggregate information from My MarketBeat watchlists, some other companies that White Mountains Insurance Group investors own include JPMorgan Chase & Co. (JPM), Visa (V), Meta Platforms (META), Tesla (TSLA), Advanced Micro Devices (AMD), Alphabet (GOOG) and Netflix (NFLX).

Company Calendar

• Last Earnings: 5/07/2025
• Today: 10/22/2025
• Next Earnings (Estimated): 11/05/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: INS - PROP&CASLTY
• Sub-Industry: Property & Casualty Insurance
• Current Symbol: NYSE:WTM
• CIK: 776867
• Web: www.whitemountains.com
• Phone: (603) 640-2200
• Fax: 441-278-3170
• Employees: 1,650
• Year Founded: 1980

Profitability

• EPS (Trailing Twelve Months): $79.84
• Trailing P/E Ratio: 24.06
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $230.40 million
• Net Margins: 8.34%
• Pretax Margin: 14.92%
• Return on Equity: 9.17%
• Return on Assets: 4.44%

Debt

• Debt-to-Equity Ratio: 0.13
• Current Ratio: 0.81
• Quick Ratio: 0.81

Sales & Book Value

• Annual Sales: $2.58 billion
• Price / Sales: 1.92
• Cash Flow: $36.47 per share
• Price / Cash Flow: 52.66
• Book Value: $1,997.94 per share
• Price / Book: 0.96

Miscellaneous

• Outstanding Shares: 2,575,000
• Free Float: 2,498,000
• Market Cap: $4.95 billion
• Optionable: Not Optionable
• Beta: 0.31