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Upturn AI SWOT - About
WTM 
White Mountains Insurance Group Ltd (WTM)
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Upturn Advisory Summary
08/28/2025: WTM (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -17.94% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.59B USD | Price to earnings Ratio 166.72 | 1Y Target Price 360 |
Price to earnings Ratio 166.72 | 1Y Target Price 360 | ||
Volume (30-day avg) - | Beta 0.36 | 52 Weeks Range 1665.34 - 2021.93 | Updated Date 06/29/2025 |
52 Weeks Range 1665.34 - 2021.93 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 0.06% | Basic EPS (TTM) 10.7 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 1.22% | Operating Margin (TTM) 17.29% |
Management Effectiveness
Return on Assets (TTM) 2.46% | Return on Equity (TTM) 2.49% |
Valuation
Trailing PE 166.72 | Forward PE - | Enterprise Value 4955447023 | Price to Sales(TTM) 2.01 |
Enterprise Value 4955447023 | Price to Sales(TTM) 2.01 | ||
Enterprise Value to Revenue 2.17 | Enterprise Value to EBITDA - | Shares Outstanding 2573730 | Shares Floating 2457425 |
Shares Outstanding 2573730 | Shares Floating 2457425 | ||
Percent Insiders 3.22 | Percent Institutions 91.88 |
Upturn AI SWOT
White Mountains Insurance Group Ltd
Company Overview
History and Background
White Mountains Insurance Group Ltd. was founded in 1980. It is a holding company that conducts its business through subsidiaries in the insurance and related financial services industries. Its evolution has involved strategic acquisitions and divestitures to optimize its portfolio.
Core Business Areas
- BAM: BAM provides financial guaranty insurance, primarily to the US public finance market.
- HG Global: HG Global owns controlling interests in NSM Insurance Group, a specialty insurance distribution business, and MediaAlpha, an online advertising platform focused on the insurance industry.
- Other Operations: Includes various smaller investments and run-off insurance businesses.
Leadership and Structure
Manning Rountree serves as the Chief Executive Officer. The company operates with a holding company structure, overseeing a diverse portfolio of insurance-related businesses.
Top Products and Market Share
Key Offerings
- Financial Guaranty Insurance (BAM): BAM insures municipal bonds, reducing the risk for investors. Market share data is not publicly disclosed, but BAM is a significant player in the financial guaranty market. Competitors include Assured Guaranty and MBIA.
- Specialty Insurance Distribution (NSM Insurance Group): NSM Insurance Group manages specialty insurance programs. Revenue data is not publicly disclosed, but NSM is a major specialty insurance distributor. Competitors include Brown & Brown and Arthur J. Gallagher & Co.
- Insurance Lead Generation (MediaAlpha): MediaAlpha is an online advertising platform connecting insurance shoppers with providers. While market share data isn't readily available, they are a significant participant. Competitors include QuoteWizard and Policygenius.
Market Dynamics
Industry Overview
The insurance industry is currently characterized by increasing competition, regulatory changes, and technological disruption. Interest rates and economic conditions influence investment returns and underwriting profitability.
Positioning
White Mountains positions itself as a value-oriented investor in the insurance and financial services sectors. Their competitive advantages include their strong capital base and management expertise.
Total Addressable Market (TAM)
The total addressable market across the insurance segments White Mountains operates in is estimated to be in the trillions of dollars. White Mountains targets specific niches and opportunities within this large TAM.
Upturn SWOT Analysis
Strengths
- Strong Capital Base
- Experienced Management Team
- Disciplined Underwriting
- Strategic Asset Allocation
Weaknesses
- Relatively Small Size Compared to Industry Giants
- Dependence on Investment Performance
- Concentration in Specific Insurance Niches
Opportunities
- Acquisition Opportunities in Fragmented Markets
- Growth in Specialty Insurance Lines
- Technological Innovation in Insurance Distribution
- Rising Interest Rates
Threats
- Increased Competition
- Regulatory Changes
- Catastrophic Events
- Economic Downturn
Competitors and Market Share
Key Competitors
- BRK.A
- ALL
- TRV
- WRB
Competitive Landscape
White Mountains competes with larger, more diversified insurance companies. Its advantages include its focus on niche markets and its disciplined investment approach.
Major Acquisitions
Trilantic Capital Management
- Year: 2021
- Acquisition Price (USD millions): 435
- Strategic Rationale: Strategic investment in NSM Insurance Group, a specialty insurance distribution business.
Growth Trajectory and Initiatives
Historical Growth: White Mountains' growth has been driven by strategic acquisitions and organic growth in its operating businesses.
Future Projections: Future growth is projected to come from continued investment in its core businesses and opportunistic acquisitions.
Recent Initiatives: Recent initiatives include strategic investments in insurance-related technology companies and the deployment of capital in attractive insurance markets.
Summary
White Mountains is a fundamentally sound insurance holding company with a strong capital base and experienced management. Its focus on niche markets and disciplined underwriting provides a competitive edge. The company's performance depends on investment returns and the successful execution of its strategic initiatives. It is vulnerable to catastrophic events and economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About White Mountains Insurance Group Ltd
Exchange NYSE | Headquaters - | ||
IPO Launch date 1986-05-09 | CEO & Director Mr. George Manning Rountree | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 893 | Website https://www.whitemountains.com |
Full time employees 893 | Website https://www.whitemountains.com | ||
White Mountains Insurance Group, Ltd., through its subsidiaries, provides insurance and other financial services in the United States. The company operates through HG Global/BAM, Ark/WM Outrigger, Kudu, and Other Operations segments. The HG Global/BAM segment provides insurance on municipal bonds issued to finance public purposes, such as schools, utilities, and transportation facilities, as well as reinsurance protection services. The Ark/WM Outrigger segment offers reinsurance and insurance, including property, marine and energy, accident and health, casualty, and specialty products. The Kudu segment provides capital solutions to boutique asset and wealth managers for generational ownership transfers, management buyouts, acquisitions and growth finances, and legacy partner liquidity, as well as strategic assistance to investees. The Other Operations segment offers insurance solutions to travel industry through broker channel and on a direct-to-consumer basis; and manages separate accounts and pooled investment vehicles for insurance-linked securities sectors, including catastrophe bonds, collateralized reinsurance investments, and industry loss warranties of third-party clients. White Mountains Insurance Group, Ltd. was incorporated in 1980 and is headquartered in Hamilton, Bermuda.
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