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White Mountains Insurance Group, Ltd. Financial Ratios 2025-2007 | WTM
Brief overview of White Mountains Insurance Group, Ltd.'s multiples and efficiency
The review covers five available annual periods spanning 2020 to 2025.
The valuation comparison uses P/E 4.11x (median 5.07x), P/B 0.73x (median 0.91x), P/CF 8.25x (median 11.01x). Valuation is roughly 20.2% below five-year reference levels. The discount may reflect opportunity or higher perceived risk.
The 1/P/E calculation produces a 24.4% earnings yield. It does not capture future growth or capital structure.
End-period return metrics are ROE 20.4%, ROA 9%, ROCE 12%. Current resource returns are convincing and help explain a higher market valuation.
PEG is 0.35x. Price is low relative to embedded growth, though the ratio depends heavily on forecast quality.
High leverage is part of the financial-sector model, so valuation should be linked to capital, asset quality and ROE.
Overall assessment
White Mountains Insurance Group, Ltd. combines solid capital returns with a discount to its own history. The main question is whether earnings and growth are sustainable.
Annual Financial Ratios White Mountains Insurance Group, Ltd.
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
4.1 | 20.3 | 8.9 | 5.1 | -11.2 | 4.6 | 3786.0 | -8797.4 | 1879.2 | 3102.7 | -19.3 | 7.9 | 340.3 | 501.0 | 113.1 | 31.9 | 4.1 | - | - |
P/S |
1.2 | 2.1 | 2.1 | 3.5 | 5.0 | 3.4 | 5013.8 | 2968.9 | 6388.2 | 8148.0 | -33.8 | 1.2 | 53.6 | 1036.0 | -1523.4 | 1.2 | 0.6 | - | - |
EPS |
430.1 | 89.8 | 198.6 | 277.0 | -89.5 | 227.0 | 130.3 | -41.8 | 146.1 | 80.1 | 50.2 | 51.1 | 51.9 | 30.5 | 97.4 | 10.1 | 53.1 | -54.3 | - |
EV (Enterprise Value) |
10.4 B | 9.2 B | 8.23 B | 7.22 B | 6.23 B | 3.29 B | 1.57 T | 1.24 T | 1.18 T | 1.25 T | 495 M | 8.59 B | 117 B | 113 B | 96.6 B | 12.9 B | 12.9 B | -159 M | -163 M |
EBITDA per Share |
3.55 | -2.53 | -7.04 | 1.52 | 7.1 | 3.12 | 0.323 | -0.105 | 0.0203 | -0.0914 | -16.5 | 98.7 | 2.15 | 0.769 | 3.09 | - | - | - | - |
EV/EBITDA |
1156.5 | -1437.3 | -462.3 | 1678.4 | 96.2 | 220.3 | 3476.0 | -8439.4 | 41644.7 | -9769.5 | -42.1 | 7.6 | 267.0 | 711.1 | 147.9 | - | - | - | - |
PEG |
-0.03 | 0.35 | -0.8 | -0.22 | 0.36 | -0.06 | 9.19 | 68.42 | 22.83 | 52.08 | 5.28 | -6.57 | 4.83 | -7.31 | 0.13 | - | - | - | - |
P/B |
0.7 | 0.9 | 1.0 | 1.0 | 0.8 | 0.7 | 499.0 | 457.0 | 350.7 | 333.6 | -1.3 | 0.5 | 24.9 | 24.4 | 18.6 | 0.6 | 0.4 | - | - |
P/CF |
8.3 | 8.0 | 11.2 | 11.0 | 79.9 | -50.8 | -13023.3 | -39942.0 | 12459.0 | -8037.7 | 86.4 | 20.9 | -959.7 | -459.6 | -445.1 | 49.3 | -41.0 | - | - |
ROE % |
20.39 | 5.14 | 12.01 | 21.16 | -7.76 | 16.98 | 13.18 | -5.19 | 18.66 | 10.75 | 6.76 | 6.89 | 7.32 | 4.87 | 16.45 | 2.37 | 12.85 | - | - |
ROA % |
8.99 | 2.32 | 6.07 | 10.73 | -3.93 | 13.73 | 10.41 | -4.20 | 17.14 | 6.16 | 2.87 | 2.99 | 2.65 | 1.61 | 5.46 | 0.60 | 3.04 | - | - |
ROCE % |
- | - | - | - | - | - | 11.98 | -5.56 | 0.29 | -4.01 | 3.08 | 7.24 | 8.46 | 6.86 | 2.45 | - | - | - | - |
Current Ratio |
2.0 | 2.1 | 2.2 | 2.1 | 2.1 | 16.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1.4 | 1.4 | - | - |
DSO |
- | - | - | - | - | - | - | - | - | - | 88.8 | 9.6 | 2.1 | 10.9 | -25.6 | - | - | - | - |
DPO |
- | - | - | - | - | - | - | 2.9 | - | - | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
- | - | - | - | - | - | - | -2.9 | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Quarterly Financial Ratios White Mountains Insurance Group, Ltd.
| 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | 2010-Q3 | 2010-Q2 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
-12.59 | 44.18 | 47.75 | 13.19 | - | 69.68 | -21.24 | 92.33 | - | 9.19 | 7.65 | 69.83 | - | 306.93 | -56.8 | 11.1 | - | -120.18 | 44.56 | -24.3 | 157.7 | 75.09 | 37.14 | -40.54 | 19.12 | 15.29 | 6.44 | 89.64 | -43.24 | 12.83 | 1.02 | -12.82 | 6 | 130.81 | 2.97 | 6.34 | -8.52 | 18.65 | 66.8 | 1.7 | 47.28 | -10.01 | 0.72 | 14.09 | 11.65 | 8.42 | 15.5 | 15.48 | 19.09 | 9.26 | 4.26 | 19.17 | 10.43 | 2.9 | 3.92 | 12.61 | 105.04 | -2 | 1.48 | -3.51 | 6.01 | 0.28 |
EBITDA per Share |
1.96 | 3.07 | 2.01 | 0.43 | - | 2.09 | 2.21 | -0.83 | - | 0.59 | 1.03 | -0.95 | - | 0.49 | 2.86 | 1.44 | - | 4.46 | 2.67 | 4.17 | - | 8.89 | 5.68 | 2.26 | - | 6.3 | 1.34 | 2.64 | - | 5.86 | 2.6 | 1.29 | - | 3.72 | 2.15 | 1.29 | - | 2.77 | 1.75 | 2.08 | - | 5.4 | 3.53 | 2.58 | - | 4.53 | 5.34 | 2.52 | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROE % |
5.28 | 9.67 | 6.05 | 8.69 | 7.94 | 8.53 | 5.15 | 10.99 | 5.70 | 29.65 | 23.96 | 24.40 | 19.81 | 9.26 | -11.21 | -8.09 | -9.03 | 3.49 | 20.00 | 19.47 | 18.14 | 7.49 | 3.02 | 0.71 | 12.73 | 6.03 | 5.61 | 4.43 | -6.63 | -1.15 | 13.57 | 14.14 | 17.28 | 15.55 | 2.21 | 12.22 | 11.96 | 19.89 | 15.53 | 5.55 | 6.99 | 1.89 | 4.81 | 7.23 | 7.63 | 8.90 | 9.34 | 7.22 | 7.91 | 6.72 | 4.97 | 5.60 | 5.50 | 23.25 | 22.91 | 22.17 | 18.52 | 0.32 | 1.05 | -0.69 | 1.38 | 0.07 |
ROA % |
2.06 | 4.00 | 2.54 | 3.97 | 3.66 | 3.95 | 2.45 | 5.24 | 2.78 | 14.55 | 12.05 | 12.27 | 10.02 | 4.80 | -5.07 | -3.96 | -4.41 | 5.72 | 15.76 | 16.24 | 14.67 | 6.07 | 2.47 | 0.63 | 10.80 | 5.18 | 4.87 | 3.88 | -5.60 | -0.90 | 13.26 | 13.75 | 16.50 | 15.28 | 1.56 | 7.05 | 6.58 | 9.78 | 7.71 | 2.20 | 2.66 | 0.72 | 1.83 | 2.76 | 2.92 | 3.22 | 3.30 | 2.47 | 2.55 | 2.10 | 1.55 | 1.72 | 1.59 | 6.75 | 6.65 | 6.44 | 5.38 | 0.03 | 0.24 | -0.20 | 0.34 | 0.02 |
Current Ratio |
1.9 | 1.9 | 1.8 | 1.9 | 2.1 | 2.0 | 1.9 | 2.0 | 2.2 | 2.0 | 2.0 | 2.1 | 2.1 | 2.0 | 1.8 | 2.0 | 2.1 | 2.1 | 2.3 | 2.3 | 4.8 | 4.8 | 4.8 | 4.8 | 4.8 | 4.8 | 5.0 | 5.6 | 5.2 | 5.2 | 5.2 | 5.2 | 12.3 | 12.3 | 12.3 | 12.3 | 2.3 | 2.3 | 2.3 | 2.3 | 1.7 | 1.7 | 1.7 | 1.7 | 1.8 | 1.8 | 1.8 | 1.8 | 1.6 | 1.6 | 1.6 | 1.6 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.4 | 1.4 |
DSO |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -125.4 | 42.4 | - | - | 15.1 | 1092.7 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Operating Cycle |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -125.4 | 42.4 | - | - | 15.1 | 1092.7 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -125.4 | 42.4 | - | - | 15.1 | 1092.7 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Multiples are an important financial analysis tool for the company White Mountains Insurance Group, Ltd., allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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