White Mountains Insurance Group, Ltd. logo WTM - White Mountains Insurance Group, Ltd.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 0
HOLD 2
SELL 0
STRONG
SELL
0
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 2,707.3 2,354.3 2,166.7 1,157.9 614.4 895.6 893.4 369.1 373.8 157.7 440 1,411.1 1,361.6 2,435.7 2,173.1 2,566.7 4,426.5 2,955.7 4,733.8 4,794.2 4,631.9 4,553 3,794 4,208 3,234 851 548 390.3 293.4 363.7 222.3 228.5 375
Cost of Revenue 1,252.9 1,281.3 1,016.9 787 581.3 82.3 70.5 33.7 5.2 13.6 14.5 1,030.2 832.5 1,624.1 1,576.5 (1,004.4) 2,836.4 3,258.9 3,183 3,737.4 0 3,855.9 3,113 3,524.3 3,078.2 388.8 301.7 229.6 97.1 85.9 8.2 0 0
Gross Profit 1,454.4 1,073 1,149.8 370.9 33.1 813.3 822.9 335.4 368.6 144.1 425.5 380.9 529.1 811.6 596.6 3,571.1 1,590.1 (303.2) 1,550.8 1,056.8 4,631.9 697.1 681 683.7 155.8 462.2 246.3 160.7 196.3 277.8 214.1 228.5 375
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 700.2 490.1 432.6 364.1 291.6 207.9 328.2 233.5 208 175.5 192.1 216.5 149.1 182.2 175.3 182.9 250 253.1 200.5 218.3 156.8 309.3 201.8 92.7 40.2 59.5 67.8 15.9 45.5 91.3 60.3 77.7 131
Other Expenses (574.5) 266.2 151.8 156.2 15.1 (55) 89.6 280.1 152.8 115.9 104.2 193.8 221.4 366.6 323.3 2,178.7 576.1 582.1 668.8 108.7 4,483.1 140 105.2 472 (2,973.7) 44.7 48.5 65.2 (86.5) (39.6) 118.6 109.2 103.1
Operating Expenses 125.7 756.3 584.4 520.3 306.7 152.9 417.8 513.6 360.8 291.4 296.3 410.3 370.5 548.8 498.6 203.7 826.1 835.2 869.3 327 4,631.9 449.3 307 564.7 (2,933.5) 104.2 116.3 81.1 (41) 51.7 178.9 186.9 234.1
Operating Income
Operating Income 1,328.7 316.7 565.4 (149.4) (273.6) 660.4 405.1 (178.2) 7.8 (147.3) 129.2 (29.4) 158.6 262.8 98 164.7 764 (1,138.4) 681.5 729.8 444.7 247.8 374 119 3,089.3 358 130 79.6 237.3 226.1 35.2 41.6 140.9
Interest Expense 58.8 60.8 62.7 40.3 20.5 7.4 17.6 9.5 2.3 3 1.6 14.2 16.2 44.8 55.2 57.3 70.8 115.5 138.4 50.1 96.9 49.1 48.6 71.8 45.7 16.1 14.7 13.7 10.6 46.3 45.8 78.8 103.1
Interest Income 22.5 15.8 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Profitability
EBITDA 1,409.7 371.1 610.3 (104.8) (231.5) 677.4 452.5 (143) 32.5 (123.9) 134.6 20.1 203.4 358.4 153.2 210.4 834.8 (1,022.9) 819.9 779.9 389.9 296.9 420.9 190.8 (45.9) 332.7 132.9 90.6 77.7 139.1 167.4 219.6 245.4
EBIT 1,407.1 377.5 628.1 (109.1) (253.1) 667.8 422.7 (168.7) 10.1 (144.3) 130.8 (15.2) 174.8 307.6 153.2 246.6 834.8 (1,022.9) 819.9 779.9 402.1 296.9 420.9 190.8 45.7 374.1 144.7 93.3 10.6 46.3 81 120.4 103.1
Income Before Tax 1,328.7 316.7 565.4 (149.4) (273.6) 660.4 405.1 (178.2) 7.8 (147.3) 129.2 (29.4) 158.6 262.8 98 189.3 764 (1,138.4) 681.5 729.8 293 247.8 374 119 (450.2) 358 130 79.6 101.3 27.5 35.2 41.6 140.9
Income Tax Expense 126.9 32.6 (15.5) 41.4 44.4 (14.8) 29.3 (4) (7.8) (32.9) (12.7) (14.8) 32.6 (15.7) (110) 20.9 208.8 (498.7) 210.5 98.9 36.5 47 127 11.7 (179.2) 43 42 28.5 36.4 18.9 16.7 20.5 70.5
Net Income 1,106.4 230.4 509.2 792.8 (275.4) 708.7 414.5 (141.2) 627.2 401.8 295.2 312.2 321.6 207.4 767.9 86.5 470 (555.3) 407.4 673.2 290.1 418.7 281 2,066.1 (259) 408 121 78.5 39.3 8.6 84.1 (23.2) 70.4
Per Share Data
EPS (Basic) 430.14 89.79 198.63 276.96 -89.46 227.72 130.27 -41.76 146.06 82.24 50.60 51.21 51.89 30.50 9.26 10.12 53.11 -54.54 37.96 62.51 26.96 42.28 26.48 88.61 -41.93 53.08 20.35 13.38 5.98 0.66 9.36 -3.51 6.07
EPS (Diluted) 430.14 89.79 198.63 276.96 -89.46 227.72 130.27 -41.76 146.06 82.19 50.60 51.21 51.89 30.50 9.26 10.12 53.10 -54.54 37.89 62.32 26.56 39.92 23.63 80.75 -41.93 52.84 20.35 11.94 5.40 0.60 9.16 -3.51 5.68
Shares Outstanding 2.6 2.5 2.5 2.8 3.0 3.1 3.1 3.3 4.2 5.0 5.8 6.0 6.1 6.8 7.6 8.5 8.8 10.2 10.7 10.8 10.8 9.9 10.6 8.2 6.2 5.9 5.5 5.9 6.6 7.4 8.6 9.4 9.6
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 184.9 252.3 121.7 255 147.7 211.2 161 110.3 97.1 80.2 366 409.6 243.1 89.9 121.5 67.4 4.4 3.9 22.4 7 4.8 2.7 1.5 0
Short-Term Investments 2,963.1 964.2 1,487.9 924.1 458.1 142.8 201.2 214.2 176.1 174.9 2,098.4 2,244.5 1,058.2 1,785.8 1,790.6 2,545.8 735.9 117.5 79 62.8 67.5 103.6 276.5 0
Net Receivables 1,766.9 1,829 1,059.7 1,146 871.3 83.6 86.5 87.4 57.8 24.8 0 0 5,075.6 0 0 5,404 882.9 243.5 335.8 93 52.2 45.3 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 (2,669.3) (2,384.3) (1,544.2) (437.6) (448.7) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 4,914.9 3,045.5 0 0 0 0 0 60.3 331.1 324.1 60.2 52 24,505.6 11.1 15.6 8,017.2 1,623.2 364.9 437.2 162.8 124.5 151.6 278 0
Non-Current Assets
Property, Plant & Equipment 0 32.6 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Goodwill 0 439.2 168.8 176.5 142.3 0 394.7 379.9 25.9 25.9 19.6 0 0 0 0 22.3 25.4 0 0 0 0 24.6 28 0
Intangible Assets 1,328.2 281.1 201.8 215.9 198.2 0 260 157.6 36.2 24.2 0 19.5 0 0 0 0 0 0 170 181 411 0 0 0
Long-Term Investments 5,605.8 4,327.4 3,487.9 3,001.4 3,799.4 2,152.2 2,270.9 2,217.3 3,171.9 2,539.5 4,292.3 3,086.4 9,408.8 8,547.5 8,734.7 8,847.7 1,959.3 1,150.4 1,250.3 335.3 383.7 488.8 608.9 0
Other Non-Current Assets 457.6 (4,787.8) 4,527.4 3,995.5 2,860.8 (2,934.6) (2,925.6) 0 (3,215.9) (2,402.1) (19.6) (253.6) (9,408.8) (5,526.5) 0 (8,870) (1,984.7) (1,150.4) (1,420.3) (516.3) (794.7) (513.4) (636.9) 0
Total Non-Current Assets 7,391.6 292.5 8,385.9 7,389.3 7,000.7 0 0 2,754.8 18.1 182.6 4,292.3 2,852.3 9,408.8 3,021 8,734.7 10,392.8 1,922 1,219.4 1,420.3 516.3 794.7 513.4 636.9 0
Total Assets 12,306.5 9,925.6 8,385.9 7,389.3 7,000.7 4,831.4 3,983.2 3,362.6 3,659.2 6,520.2 15,443.2 15,895.8 19,015.1 15,882 16,033.6 16,492.8 3,545.2 2,049 2,163.7 2,010.3 1,980.6 1,871.9 1,807.3 3,305
Current Liabilities
Account Payables 367.5 237.6 81.1 251.1 424.1 113.4 102.3 104.2 32.2 13 101.1 108.8 30.9 371.6 495.2 0 152.2 184.3 221.5 289.7 279.5 196.4 245.1 0
Short-Term Debt 0 7.3 0 5.4 218.2 86.3 271 0 0 0 0 0 0 0 0 0 0 4 51.5 571.4 407.9 445.4 254.1 1,536.8
Deferred Revenue 1,363.6 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 (424.1) 0 0 0 0 0
Other Current Liabilities 2,494.6 (7.3) (81.1) 2,326.7 (642.3) (199.7) (373.3) 0 0 0 (214) (154.3) (794.7) 0 0 0 (152.2) 1,043.7 151.1 149.9 138.6 79.2 (499.2) (1,536.8)
Total Current Liabilities 4,328.6 237.6 0 2,583.2 0 0 0 111.4 32.2 108.7 92 108.8 30.9 371.6 495.2 0 0 1,232 (1,121.1) 1,011 826 721 0 0
Non-Current Liabilities
Long-Term Debt 837 562.5 564.6 575.2 420.9 290.1 12.5 192.7 23.8 12.7 1,017.6 1,328.1 783.3 743 793.2 1,125.4 96 202.8 186.3 304.3 424.2 407.3 547 601.3
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 355.3 306 316.3 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 885.8 3,994.5 3,259.7 1,698.3 2,875.1 (290.1) (12.5) 365.4 182.4 2,682.8 33.1 (1,434.1) (799.6) 0 (788.1) (1,125.4) (96) (202.8) (186.3) (0.3) (424.2) (0.3) (547) (601.3)
Total Non-Current Liabilities 1,722.8 4,557 3,824.3 2,859 3,296 0 0 558.1 206.2 2,695.5 1,406 200 300 743 5.1 0 0 0 360 304 0 407 547 601.3
Total Liabilities 6,051.4 4,794.6 3,824.3 3,454.3 3,296 1,013.5 838.5 644.4 298.4 2,804.2 11,101.7 12,400.4 15,131.2 12,903 13,225.8 16,794.7 2,499 1,435 1,461.2 1,307.4 1,249.6 1,128.2 1,046.2 2,400
Stockholders' Equity
Common Stock 579 2.6 2.6 2.6 3 3.1 3.2 3.2 3.8 4.6 8.9 8.8 10.8 9 8.4 8.3 5.9 5.9 30.9 31 31.9 32.7 33.6 0
Retained Earnings 4,845.6 3,919 3,690.8 3,211.8 2,957.5 3,311.2 2,672.4 2,264.9 2,823.2 2,776.6 2,215.9 1,751.9 1,695.9 1,286.4 1,071.9 355.1 927.5 534.2 1,063.2 1,008.9 1,067.1 1,124.6 1,098.2 0
Accumulated Other Comprehensive Income 0.8 (1.7) (1.6) (3.5) 1.7 (0.4) (7.2) (5.8) (1.3) (4.6) (3.5) (281.3) 458 285.7 201.4 (17.1) 46.9 7.2 125.2 148.8 92.5 37.9 19.7 0
Total Stockholders' Equity 5,425.4 4,483.7 4,240.5 3,746.9 3,548.1 3,906 3,261.5 2,843.1 3,492.5 3,582.7 3,657.4 2,898.8 3,883.9 2,979 2,407.9 1,445 1,046.5 614.3 702.5 658.9 687 699.7 661.1 905
Total Liabilities & Equity 12,306.5 9,925.6 8,385.9 7,389.3 7,000.7 4,831.4 3,983.2 3,362.6 3,659.2 6,520.2 15,443.2 15,895.8 19,015.1 14,971 15,633.8 16,492.8 3,545.2 2,049 3,280.7 2,032.9 1,980.6 1,871.9 1,807.3 3,305
Debt Metrics
Total Debt 837 562.5 564.6 575.2 639.1 376.4 283.5 192.7 23.8 12.7 1,050.7 1,362 783.3 743 793.2 1,125.4 96 206.8 237.8 875.7 832.1 852.7 801.1 2,138.1
Net Debt 652.1 310.2 442.9 320.2 491.4 165.2 122.5 82.4 (73.3) (67.5) 684.7 952.4 540.2 653.1 671.7 1,058 91.6 202.9 215.4 868.7 827.3 850 799.6 2,138.1
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 1,106.4 284.1 509.2 792.8 (268.3) 701.7 414.5 (174.2) 36.1 (6.1) 290.1 418.7 280.6 748.1 (259.3) 312.9 108.4 82.2 64.9 4.9 84.1 (23.2) 70.4
Depreciation & Amortization 0 (6.4) (17.8) 4.3 0 0 29.8 25.7 22.4 20.4 0 0 0 0 (91.6) (41.4) (11.8) 63.1 67.1 85.4 86.4 99.2 142.3
Stock-Based Compensation 20.3 0 15.3 66.1 0 0 0 13 0 18.5 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital 248.4 356.5 346.7 117.8 (26) (55.4) 57.7 4.5 29.5 (192.2) (324.4) (413.6) (418.5) (618.1) 267.5 430 (165.5) 265 68.5 35.1 62 35 (106)
Other Non-Cash Items (1,382.3) (58.5) (449.3) (547.0) 392.5 (659.1) (647.3) 108.3 (139) 41.3 (250.7) (502.8) (447.5) (405.7) (31.3) (802.9) (195) (393.5) (333.1) 51.1 (284.8) 1,084.3 (280.6)
Operating Cash Flow (7.2) 586.8 404.1 434 98.2 (12.8) (120.5) (31.1) 169.2 (155.1) (285) (556.7) (480.4) (275.7) (300.7) (114) (91.5) 28.8 (112.8) 188.3 (61.8) 1,193.9 (136.7)
Investing Activities
Capital Expenditure 0 0 0 0 0 0 0 0 0 (4.3) (38.5) (13.6) 0 (12.8) (7.7) 1 (1) (5.4) (2.9) (7.3) 0.4 (3.6) (11.2)
Acquisitions 0 (215.6) 87.1 (67.9) 80 (56.5) (258) (295.2) 1,103.2 2,491.2 180.7 (438.9) 25 0 (1,956.2) 510.3 25.9 (167.5) 0 (13.2) (42.2) 0 0
Purchases of Investments 0 (1,988.8) (1,467.9) 0 (1,640.8) (648.3) (746.7) (1,394.4) (3,330.5) (4,751) (7,074.5) (7,873.3) (18,602.6) (14,311.1) (8,110.3) (979.2) (201.8) (254.1) (201.8) (265.8) (145.5) (320.4) (255.6)
Sales/Maturities of Investments 0 1,556.8 793.2 0 721.9 1,417 942.7 2,159.4 2,761.9 3,675.1 7,269.9 8,792.3 19,066.6 14,797.4 8,971.6 582.1 530.1 355.3 289.8 558.5 463.3 774 360.4
Other Investing Activities 212.7 200.6 43.7 223.6 634.9 (646.7) 2.1 (10.6) 180.9 (134.2) 0 0 43.4 (13.3) 0 120.2 (115.7) (84.8) 107.5 (374) (71) (242.8) (114.8)
Investing Cash Flow 212.7 (447) (543.9) 155.7 (204) 65.5 (59.9) 459.2 715.5 1,276.8 337.6 466.5 532.4 473 (1,102.6) 234.4 237.5 (156.5) 192.6 (101.8) 205 207.2 (21.2)
Financing Activities
Net Debt Issuance 277.2 (1.5) (13.3) 157.1 281.6 80.1 183.5 68.7 11 (52.1) 18.4 (25) (46.5) (330.6) 728.1 (4) (51.6) 48.5 0.3 (36.2) 2.8 (1,338.4) 21.5
Stock Repurchased (202.6) (7.9) (32.7) (615.8) (107.5) (78.5) (62.7) (511.9) (714.6) (881.3) 0 0 0 0 (1.9) (8.8) (139.4) (19.5) (103.8) (66.3) (140.5) (160.8) 0
Dividends Paid (2.6) (2.5) (2.6) (3) (3.1) (3.2) (3.2) (3.8) (4.6) (5.4) (116.5) (39.4) (38.6) (39) (24.3) (7.1) (8.8) (9.4) (5.3) (5.9) (6.4) (10.8) (12.7)
Other Financing Activities (277.2) 16.1 55.8 (0.1) (21.8) (20.2) 50.2 32.7 71.1 (13.3) 0 0 0 0 0 (100) 13.6 123.5 (1.1) 10.5 2.1 0 136.2
Financing Cash Flow (205.2) 4.2 7.2 (461.8) 149.2 (21.8) 230.5 (414.3) (637.1) (948.4) (97) 243.4 (83.6) (143.2) 1,466.3 (119.9) (164.5) 143.1 (109.9) (97.9) (142) (1,410.3) 147.1
Cash Position
Net Change in Cash 0.3 144 (132.6) 107.3 (709.8) 696.5 50.7 13.2 16.9 (17.4) (55.4) 153.2 (31.6) 54.1 63 0.5 (18.5) 15.4 2.2 2.1 1.2 (9.2) 147.1
Cash at Beginning 0.1 122.4 255 147.7 857.5 161 110.3 97.1 80.2 77.8 243.1 89.9 121.5 67.4 4.4 3.9 22.4 7 4.8 2.7 1.5 10.7 21.5
Cash at End 0.4 266.4 122.4 255 147.7 857.5 161 110.3 97.1 80.2 187.7 243.1 89.9 121.5 67.4 4.4 3.9 22.4 7 4.8 2.7 1.5 168.6
Free Cash Flow (7.2) 586.8 404.1 434 98.2 (12.8) (120.5) (31.1) 133 (134.9) (323.5) (570.3) (480.4) (288.5) (308.4) (113) (209.3) 23.4 (115.7) 181 (61.4) 1,190.3 (147.9)
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 2,707.3 2,354.3 2,166.7 1,157.9 614.4 895.6 893.4 369.1 373.8 157.7 440 1,411.1 1,361.6 2,435.7 2,173.1 2,566.7 4,426.5 2,955.7 4,733.8 4,794.2 4,631.9 4,553 3,794 4,208 3,234 851 548 390.3 293.4 363.7 222.3 228.5 375
Gross Profit 1,454.4 1,073 1,149.8 370.9 33.1 813.3 822.9 335.4 368.6 144.1 425.5 380.9 529.1 811.6 596.6 3,571.1 1,590.1 (303.2) 1,550.8 1,056.8 4,631.9 697.1 681 683.7 155.8 462.2 246.3 160.7 196.3 277.8 214.1 228.5 375
Operating Income 1,328.7 316.7 565.4 (149.4) (273.6) 660.4 405.1 (178.2) 7.8 (147.3) 129.2 (29.4) 158.6 262.8 98 164.7 764 (1,138.4) 681.5 729.8 444.7 247.8 374 119 3,089.3 358 130 79.6 237.3 226.1 35.2 41.6 140.9
Net Income 1,106.4 230.4 509.2 792.8 (275.4) 708.7 414.5 (141.2) 627.2 401.8 295.2 312.2 321.6 207.4 767.9 86.5 470 (555.3) 407.4 673.2 290.1 418.7 281 2,066.1 (259) 408 121 78.5 39.3 8.6 84.1 (23.2) 70.4
EPS (Diluted) 430.14 89.79 198.63 276.96 -89.46 227.72 130.27 -41.76 146.06 82.19 50.60 51.21 51.89 30.50 9.26 10.12 53.10 -54.54 37.89 62.32 26.56 39.92 23.63 80.75 -41.93 52.84 20.35 11.94 5.40 0.60 9.16 -3.51 5.68
Balance Sheet
Cash & Equivalents 184.9 252.3 121.7 255 147.7 211.2 161 110.3 97.1 80.2 366 409.6 243.1 89.9 121.5 67.4 4.4 3.9 22.4 7 4.8 2.7 1.5 0
Total Assets 12,306.5 9,925.6 8,385.9 7,389.3 7,000.7 4,831.4 3,983.2 3,362.6 3,659.2 6,520.2 15,443.2 15,895.8 19,015.1 15,882 16,033.6 16,492.8 3,545.2 2,049 2,163.7 2,010.3 1,980.6 1,871.9 1,807.3 3,305
Total Debt 837 562.5 564.6 575.2 639.1 376.4 283.5 192.7 23.8 12.7 1,050.7 1,362 783.3 743 793.2 1,125.4 96 206.8 237.8 875.7 832.1 852.7 801.1 2,138.1
Stockholders' Equity 5,425.4 4,483.7 4,240.5 3,746.9 3,548.1 3,906 3,261.5 2,843.1 3,492.5 3,582.7 3,657.4 2,898.8 3,883.9 2,979 2,407.9 1,445 1,046.5 614.3 702.5 658.9 687 699.7 661.1 905
Cash Flow
Operating Cash Flow (7.2) 586.8 404.1 434 98.2 (12.8) (120.5) (31.1) 169.2 (155.1) (285) (556.7) (480.4) (275.7) (300.7) (114) (91.5) 28.8 (112.8) 188.3 (61.8) 1,193.9 (136.7)
Capital Expenditure 0 0 0 0 0 0 0 0 0 (4.3) (38.5) (13.6) 0 (12.8) (7.7) 1 (1) (5.4) (2.9) (7.3) 0.4 (3.6) (11.2)
Free Cash Flow (7.2) 586.8 404.1 434 98.2 (12.8) (120.5) (31.1) 133 (134.9) (323.5) (570.3) (480.4) (288.5) (308.4) (113) (209.3) 23.4 (115.7) 181 (61.4) 1,190.3 (147.9)