---
title: "White Mountains Insurance Group, Ltd. (WTM.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/WTM.US.md"
symbol: "WTM.US"
name: "White Mountains Insurance Group, Ltd."
industry: "Property and Casualty Insurance"
datetime: "2026-04-16T02:41:50.395Z"
locales:
  - [en](https://longbridge.com/en/quote/WTM.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/WTM.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/WTM.US.md)
---

# White Mountains Insurance Group, Ltd. (WTM.US)

## Company Overview

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.

| Item | Detail |
|------|--------|
| Industry | Property and Casualty Insurance |
| Exchange | US Market |
| Website | [www.whitemountains.com](https://www.whitemountains.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: B
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-04-15T04:30:15.000Z

**Overall: B (0.33)**

**Industry**: Property and Casualty Insurance

| Metric | Value |
|--------|-------|
| Industry Ranking | 6 / 70 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Blend - Stocks in which the company has both growth and mature businesses.
- **Scale**: Mid - The company has stable operation of a large-cap stock and the high return of a small-cap stock.

**Multi Score**: B

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 58.65% |  |
| Net Profit YoY | 379.38% |  |
| P/B Ratio | 1.05 |  |
| Dividend Ratio | 0.04% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 5703257100.00 |  |
| Revenue | 3735000000.00 |  |

#### Multi Score Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 22.00% | A |
| Profit Margin | 29.62% | A |
| Gross Margin | 62.61% | A |
| Revenue YoY | 58.65% | A |
| Net Profit YoY | 379.38% | A |
| Total Assets YoY | 23.99% | A |
| Net Assets YoY | 21.91% | A |
| Cash Flow Margin | 50.50% | C |
| OCF YoY | 58.65% | A |
| Turnover | 0.34 | D |
| Gearing Ratio | 49.17% | C |

```chart-data:radar
{
  "title": "Longbridge Financial Score - White Mountains Insurance Group, Ltd.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "58.65%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "379.38%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "1.05",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "0.04%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "5703257100.00",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "3735000000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "22.00%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "29.62%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "62.61%",
          "rating": "A"
        },
        {
          "name": "Revenue YoY",
          "value": "58.65%",
          "rating": "A"
        },
        {
          "name": "Net Profit YoY",
          "value": "379.38%",
          "rating": "A"
        },
        {
          "name": "Total Assets YoY",
          "value": "23.99%",
          "rating": "A"
        },
        {
          "name": "Net Assets YoY",
          "value": "21.91%",
          "rating": "A"
        },
        {
          "name": "Cash Flow Margin",
          "value": "50.50%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "58.65%",
          "rating": "A"
        },
        {
          "name": "Turnover",
          "value": "0.34",
          "rating": "D"
        },
        {
          "name": "Gearing Ratio",
          "value": "49.17%",
          "rating": "C"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 5.21 | 4/70 | 165.19 | 34.38 | 19.50 |
| PB | 1.05 | 12/70 | 1.06 | 1.01 | 0.99 |
| PS (TTM) | 1.52 | 43/70 | 2.04 | 1.93 | 1.74 |
| Dividend Yield | 0.04% | 45/70 | 0.06% | 0.05% | 0.05% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Exzeo (XZO.US) | A | A | A | B | B | A |
| 02 | Progressive (PGR.US) | B | B | B | E | B | B |
| 03 | Erie Indemnity (ERIE.US) | B | C | A | B | B | B |
| 04 | Kinsale Capital (KNSL.US) | A | B | D | D | B | B |
| 05 | First American Financial (FAF.US) | B | A | C | D | B | B |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/WTM.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/WTM.US/norm.md)
- [Related News](https://longbridge.com/en/quote/WTM.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/WTM.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**