WTM | Ticker Profile - Titan Protect

WTM

White Mountains Insurance Group, Ltd.

Financial Services · Insurance - Property & Casualty · NYQ

$2,065.14

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$5.2B

Total market value of the company

Trailing P/E

5.20

Very cheap relative to earnings

Forward P/E

23.35

Based on estimated future earnings — lower means cheaper

Rev Growth

-10.8%

Year-over-year revenue change

Profit Margin

37.0%

How much profit the company keeps from each dollar of revenue

ROE

19.7%

Return on equity — how efficiently it uses shareholder money

Analyst Target

N/A

Recommendation

NONE

Consensus view from ? analysts covering this stock

About White Mountains Insurance Group, Ltd.

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. It also provides municipal bond guarantee reinsurance, which focuses on single risk limits for small-to-medium sized, and public investment grade municipal bonds that are issued to finance public purpose projects, including schools, utilities, and transportation facilities. In addition, the company offers capital solutions for boutique asset and wealth managers for generational ownership transfers, management buyouts, acquisition and growth finance, and legacy partner liquidity; strategic advice; investment management; and specialty electrical contracting services. Further, it operates as a full-service MGA and program administrator for specialty property and casualty insurance for the real estate and hospitality end markets, and start-up programs; and an MGA for leisure travel and global expatriate medical insurance in Israel, the European Union, and Australia. The company was formerly known as Fund American Enterprises Holdings, Inc. and changed its name to White Mountains Insurance Group, Ltd. in 1999. White Mountains Insurance Group, Ltd. was incorporated in 1980 and is headquartered in Hamilton, Bermuda.

https://www.whitemountains.com

Country: Bermuda Employees: 1,648 Industry: Insurance - Property & Casualty

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

0.497

Positive but modest risk-adjusted returns

Kelly Fraction

0.0414

Modest edge detected — smaller position warranted

Calmar Ratio

0.514

Acceptable balance between returns and drawdown risk

Annual Return

9.3%

Historical annualised return based on price data

Max Drawdown

-18.1%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.32

Very low correlation to market moves

52W High

$2,333.00

11% below the year high

52W Low

$1,648.00

25% above the year low

Avg Volume

19,172

Average daily shares traded — higher means easier to buy and sell

Short Ratio

4.8

Days it would take all short sellers to cover — higher means more crowded

Short % Float

3.7%

Low short interest — limited bearish positioning

Div Yield

5.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$404.41

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

13.52

Heavy leverage — higher financial risk if revenues decline

Current Ratio

1.59

Healthy liquidity position

Quick Ratio

1.13

Like current ratio but excludes inventory — stricter test

Gross Margin

52.2%

Revenue left after cost of goods — higher means pricing power

Operating Margin

0.3%

Profit from core operations before interest and tax

Free Cash Flow

$246M

Positive — the business generates more cash than it spends

Revenue (TTM)

$2.8B

Total revenue over the last 12 months

Net Income

$1.0B

Profitable — the bottom line is positive

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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