Profitability
Weight: 25%
F
0
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 1610.8%
- Loss Ratio Trend +422.76 pp/yr
WTM
White Mountains Insurance Group, Ltd.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B
74
- 5yr Avg ROE 10.2%
- 5yr Share-Count CAGR -3.7%
Growth Quality
Weight: 10%
B-
66
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 139.0%
- Loss Ratio Trend (growth quality check) +422.76 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
D-
29
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development -0.2%
- Loss Ratio Stability (σ) 7.55
Balance Sheet
Weight: 25%
A-
83
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.33x
- Interest Coverage (EBIT/Int) 23.93x
Stability
Weight: 10%
D
38
- EPS Volatility (σ/μ) 0.65
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 3
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 3 gurus held; 1 added; 1 trimmed; 1 full exit.
- Holders
- 2 -1
- Avg Δ position
- +36.3%
- New buys
- 0
- Full exits
- 1
- Dalio sold -100%
- Greenblatt increased +98%
- Cooperman decreased -26%