Profitability
Weight: 25%
A+
100
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 3.8%
- Operating Margin Trend +21.36 pp/yr
WTM
White Mountains Insurance Group, Ltd.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A-
80
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 11.5%
- 5yr Share-Count CAGR -4.3%
Growth Quality
Weight: 10%
A
92
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 14.3%
- 5yr EPS CAGR 15.8%
- Positive-EPS Years (5) 4/5
Cash Generation
Weight: 5%
A
87
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 0.97x
Balance Sheet
Weight: 30%
A+
100
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 44.1%
- Interest Coverage (EBIT/Int) 23.93x
Stability
Weight: 10%
C-
45
- EPS Volatility (σ/μ) 0.65
- Piotroski F-Score 5
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 1 new buy; 2 added.
- Holders
- 3 +1
- Avg Δ position
- +19.2%
- New buys
- 1
- Full exits
- 0
- Dalio new
- Greenblatt increased +35%
- Cooperman increased +4%