WTM : White Mountains Insurance Group, Ltd. Common Stock

Morningstar ID: 0P000005XR

Exchange: NYSE

(Generated: 2025-06-20 22:31:21)

Key Metrics

Income Statement As of Originally Reported	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	TTM
Revenue	1808600000	1360700000	373800000	369100000	893400000	1180700000	944800000	1157900000	2166700000	2354300000	2284800000
Revenue Growth %	28.17	209.25	137.03	-1.26	142.05	32.16	5.49	88.46	87.12	8.66	0.11
Gross Profit
Gross Profit Margin %	-	-	-	-	-	-	-	-	-	-	-
Operating Income
Operating Margin %	9.59	-1.79	2.70	-45.71	47.55	56.86	-24.19	-9.42	31.24	23.50	17.74
EBIT	173500000	-24300000	10100000	-168700000	422700000	674700000	-258200000	-109100000	628100000	377500000	219900000
EBIT Margin %	9.59	-1.79	2.70	-45.71	47.31	57.14	-27.33	-9.42	28.99	16.03	9.62
EBITDA	241000000	40200000	32500000	-143000000	452500000	718100000	-194600000	-104800000	628100000	377500000	219900000
EBITDA Margin %	13.33	2.95	8.69	-38.74	50.65	60.82	-20.60	-9.05	28.99	16.03	9.62
Net Income	295200000	412500000	619200000	-139600000	409200000	699400000	-272100000	793400000	502000000	227400000	27400000
Net Profit Margin %	9.99	0.37	4.17	-47.20	42.06	56.38	-36.05	-16.48	26.81	12.07	5.48
Basic EPS	50.60	82.24	146.06	-41.76	130.27	226.97	-89.46	276.96	198.60	89.79	10.85
Diluted EPS	50.60	82.19	146.06	-41.76	130.27	226.97	-89.46	276.96	198.60	89.79	10.85
Normalized EPS	14.72	-14.33	-9.99	-10.92	17.51	59.88	-1.84	-4.36	132.35	96.40	78.79
Dividend Per Share	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00
Balance Sheet As of Originally Reported	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	Last Quarter
Total Assets	10280000000	6540000000	3660000000	3360000000	3980000000	4830000000	7000000000	7390000000	8390000000	9930000000	11000000000
Total Liabilities	5920000000	2810000000	300000000	640000000	840000000	1010000000	3300000000	3450000000	3820000000	4790000000	5870000000
Total Debt	580000000	440000000	20000000	190000000	280000000	380000000	690000000	580000000	560000000	560000000	680000000
Total Equity	4370000000	3740000000	3360000000	2720000000	3140000000	3820000000	3700000000	3940000000	4560000000	5130000000	5140000000
Cash And Cash Equivalents	180000000	150000000	100000000	110000000	160000000	210000000	260000000	260000000	120000000	250000000	310000000
Working Capital
Shares Outstanding Capital	10000000	0	0	0	0	0	0	0	0	0	0
Book Value per Share	695.84	789.54	931.29	896.00	1023.91	1259.18	1175.73	1456.72	1656.15	1745.89	1752.17
Debt to Equity	0.13	0.12	0.01	0.07	0.09	0.10	0.19	0.15	0.12	0.11	0.13
Cash Flow As of Originally Reported	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	TTM
Cash From Operating Activities	175700000	-155300000	94600000	-31100000	-120500000	-60600000	38600000	365000000	404100000	586800000	510100000
Cash From Investing Activities	11300000	1276800000	718500000	459200000	-59900000	64600000	-208300000	115500000	-543900000	-447000000	-540300000
Cash From Financing Activities	-214600000	-942400000	-699000000	-414300000	230500000	49000000	217600000	-344900000	7200000	4200000	116900000
Capital Expenditure		4300000
Free Cash Flow	-13300000	57300000	-91900000	-35600000	-178200000	-145600000	-166300000	69600000	57400000	230300000	197700000
Change in Cash	-27600000	179100000	114100000	13800000	50100000	53000000	47900000	135600000	-132600000	144000000	86700000

Growth

Unnamed: 0	2015-12	2016-12	2017-12	2018-12	2019-12	2020-12	2021-12	2022-12	2023-12	2024-12	Latest Qtr
Revenue %
Year Over Year	-27.95	-24.77	-72.53	-1.26	142.05	32.16	-19.98	22.56	87.12	8.66	-10.74
3-Year Average	-9.45	-16.26	-47.00	-41.12	-13.09	46.72	36.79	9.03	22.43	35.57	-
5-Year Average	-12.72	-8.98	-31.26	-30.75	-18.67	-8.18	-7.04	25.37	42.47	21.38	-
10-Year Average	-8.98	-11.83	-22.42	-18.78	-14.83	-10.48	-8.01	-7.17	-0.67	-0.64	-
Operating Income %
Year Over Year	-	-	-	-	-	-	-	-	-	-	-
3-Year Average	-	-	-	-	-	-	-	-	-	-	-
5-Year Average	-	-	-	-	-	-	-	-	-	-	-
10-Year Average	-	-	-	-	-	-	-	-	-	-	-
Net Income %
Year Over Year	-4.83	38.61	52.05	-	-	70.98	-	-	-35.77	-54.75	-85.66
3-Year Average	12.79	8.63	26.11	-	0.16	4.16	-	24.13	-10.43	-	-
5-Year Average	28.03	-11.69	24.77	-	5.80	18.95	-	4.80	-	-11.08	-
10-Year Average	0.26	-4.78	4.41	-	-1.25	23.41	-	14.35	4.70	-3.01	-
EPS %
Year Over Year	-1.19	62.43	77.71	-	-	74.23	-	-	-28.29	-54.79	-85.71
3-Year Average	18.38	16.57	41.82	-	16.59	15.83	-	28.59	-4.35	-	-
5-Year Average	37.97	-3.35	36.79	-	20.53	35.01	-	13.65	-	-7.17	-
10-Year Average	6.66	2.81	14.45	-	9.39	36.48	-	24.68	14.36	5.78	-

Cash Flow

Cash Flow Ratios	2015-12	2016-12	2017-12	2018-12	2019-12	2020-12	2021-12	2022-12	2023-12	2024-12	TTM
Operating Cash Flow Growth % YOY	47.9	-	-	-	-	-	-	845.6	10.71	45.21	-
Free Cash Flow Growth % YOY	63.9	-	-	-	-	-	-	845.6	10.71	45.21	-
Free Cash Flow/Sales %	9.71	-11.73	25.31	-8.43	-13.49	-5.13	4.09	31.52	18.65	24.92	22.33
Free Cash Flow/Net Income	0.59	-0.39	0.15	0.22	-0.29	-0.09	-0.14	0.46	0.79	2.55	18.28
Free Cash Flow/Share	12.54	-11.02	15.88	-8.19	-23.28	-11.54	-8.75	50.89	232.3	216.31	231.74

Financial Health

Liquidity/Financial Health	2015-12	2016-12	2017-12	2018-12	2019-12	2020-12	2021-12	2022-12	2023-12	2024-12	Latest Qtr
Current Ratio	-	-	-	-	-	-	-	-	-	-	-
Quick Ratio	-	-	-	-	-	-	-	-	-	-	-
Interest Coverage	9.33	-1.51	4.39	-17.76	24.02	22.87	-5.90	-2.71	10.02	6.21	3.47
Financial Leverage	2.63	1.82	1.05	1.18	1.22	1.24	1.97	1.97	1.98	2.21	2.44
Debt/Equity	0.11	0.08	0.01	0.07	0.09	0.00	0.13	0.15	0.13	0.13	0.15
Book Value/Share	666.02	800.25	924.97	940.40	1002.53	1098.55	1166.99	1441.59	1542.34	1795.30	1742.10
Cap Ex as a % of Sales	-	0.32	-	-	-	-	-	-	-	-	-

Profitability

Fiscal	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	Current	5-Yr
Return on Asset %	2.85	4.90	12.14	-3.98	11.14	15.87	-4.60	11.03	6.36	2.48	0.27	5.41
Return on Equity %	7.46	10.98	17.45	-4.41	13.41	19.52	-7.30	21.75	12.57	5.21	0.61	8.98
Return on Invested Capital %	-	-	-	-	-	-	-	-	-	-	-	0.0
Days Sales Outstanding	-	-	-	-	-	-	-	-	-	-	-	0.0
Days Inventory	-	-	-	-	-	-	-	-	-	-	-	0.0
Payables Period	-	-	-	-	-	-	-	-	-	-	-	0.0
Cash Conversion Cycle	-	-	-	-	-	-	-	-	-	-	-	0.0
Recieveables Turnover	-	-	-	-	-	-	-	-	-	-	-	0.0
Inventory Turnover	-	-	-	-	-	-	-	-	-	-	-	0.0
Fixed Assets Turnover	-	-	-	-	-	-	-	-	-	-	-	0.0
Asset Turnover	0.17	0.16	0.07	0.11	0.24	0.27	0.16	0.16	0.27	0.26	0.22	0.15