# White Mountains Insurance Group Ltd. (WTM) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Insurance. Price $2286.53, market value $5.5 billion.

## Valuation
- **P/E (trailing): 5.2×** (5-yr avg 9.8×, 3-yr avg 11.3×). White Mountains Insurance Group Ltd. trades at 5.2× trailing earnings, well below its own five-year average of 9.8×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 25.4×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.07**. A PEG of 0.07 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.4×**. Each dollar of revenue is priced at 1.4×.
- **Price / book: 1.0×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Earnings yield: 19.1%**. The inverse of the P/E: 19.1% of the price is earned each year.

## Profitability
- **Net margin: 29.6%**. 29.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 20.4%**. 20.4% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 9.1%**. Each dollar of assets produces 9.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 66.8%** (3-yr 47.8%/yr, 5-yr 33.1%/yr). Revenue grew 66.8% over the last year, against 33.1% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 379.1%** (3-yr 15.8%/yr, 5-yr 13.6%/yr). Earnings per share rose 379.1%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 0.04%** ($1.00 per share, trailing). White Mountains Insurance Group Ltd. yields 0.04%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 0%**. 0% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 16**. 16 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 0.0%/yr** (1-yr 0.0%). The dividend has not grown over five years.
- **Shareholder yield: 7.5%**. Dividends plus net buybacks return 7.5% of the market value a year.

## Price and momentum
- **Total return (1 yr): 20.4%** (YTD 10.1%, 3-mo 8.0%). The shares are up 20.4% over twelve months including dividends.
- **From 52-week high: -2.7%** (22.3% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 72**. An RSI of 72 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): 0.10** (volatility 19%). Beta of 0.10 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=WTM · Page: https://foliofundamentals.com/stocks/wtm

Not investment advice.