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White Mountains Insurance Group, Ltd. WTM NYSE

NYSE • Financial Services • Insurance - Property & Casualty • BM • USD

SharesGrow Score
83/100
5/7 Pass
SharesGrow Intrinsic Value
$5,411.09
+135.4%
SharesGrow 7-Criteria Score All 7 criteria scored · valuation-related highlighted on this page

White Mountains Insurance Group, Ltd. (WTM) trades at a trailing P/E of 5.2, forward P/E of 20.0. Trailing earnings yield is 19.10%, forward earnings yield 5.00%. PEG 1.54. Graham Number is $4,885.57.

Criteria proven by this page:

  • VALUE (100/100, Pass) — P/E is below market average (5.2); earnings yield beats bond yields (19.10%).
  • PEG Ratio 1.54 — between 1.0–2.0 indicates moderate valuation relative to growth.
  • Trailing Earnings Yield 19.10% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income.

Overall SharesGrow Score: 83/100 with 5/7 criteria passed.

SharesGrow 7-Criteria Score
83/100
SG Score
View full scorecard →
VALUE
100/100
Price-to-Earnings & upside
Proven by this page
FUTURE
20/100
Analyst consensus
→ Forecast
PAST
100/100
→ Income
HEALTH
100/100
Debt-to-Equity & liquidity
→ Health
~
MOAT
59/100
→ Income
GROWTH
100/100
→ Income
INCOME
100/100
→ Income

Valuation Snapshot — WTM

Valuation Multiples
P/E (TTM)5.2
Forward P/E20.0
PEG Ratio1.54
Forward PEG1.54
P/B Ratio1.07
P/S Ratio2.07
EV/EBITDA4.4
Per Share Data
EPS (TTM)$433.17
Forward EPS (Est.)$115.00
Book Value / Share$2,448.98
Revenue / Share$1,059.95
FCF / Share$218.47
Yields & Fair Value
Earnings Yield19.10%
Forward Earnings Yield5.00%
Dividend Yield0.04%
Graham Number$4,885.57
SharesGrow IV$5,411.09 (+135.4%)

Historical Valuation

Year P/E (TTM) PEG Ratio P/B Ratio P/S Ratio Dividend Yield
2016 10.4 0.17 1.17 26.59 0.13%
2017 5.8 0.07 1.03 9.65 0.13%
2018 -20.3 0.16 1.01 7.77 0.13%
2019 8.5 -0.02 1.07 3.92 0.09%
2020 4.4 0.06 0.79 3.44 0.10%
2021 -11.2 0.08 0.87 5.02 0.10%
2022 5.0 -0.01 1.07 3.45 0.08%
2023 7.5 -0.26 0.90 1.76 0.07%
2024 21.4 -0.39 1.10 2.09 0.05%
2025 4.8 0.01 0.98 1.96 0.05%

EPS: Actual vs Estimates

P/E Ratio & Earnings Yield

Earnings Per Share (EPS) History

Year EPS (Diluted) Revenue Net Income Net Margin
2016 $82.19 $157.7M $401.8M 254.8%
2017 $146.06 $373.8M $627.2M 167.8%
2018 $-41.76 $369.1M $-141.2M -38.3%
2019 $130.27 $893.4M $408.4M 45.7%
2020 $227.72 $781.4M $711.2M 91%
2021 $-89.46 $614.4M $-290.9M -47.3%
2022 $276.96 $1.16B $792.8M 68.5%
2023 $198.63 $2.17B $502M 23.2%
2024 $25.47 $15.8M $227.4M 1439.2%
2025 $430.14 $2.71B $1.11B 40.9%

Analyst Estimates

Year EPS (Avg) EPS Range Revenue (Avg) Revenue Range Analysts
2026 $115.00 $115.00 – $115.00 $4.06B $4.06B – $4.06B 1
2027 $130.00 $130.00 – $130.00 $6.08B $6.08B – $6.08B 1
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