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Upturn AI SWOT - About
WTM 
White Mountains Insurance Group Ltd (WTM)
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Upturn Advisory Summary
07/01/2025: WTM (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $360
1 Year Target Price $360
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -17.82% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/01/2025 |
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 |
Analyst Ratings
Rating - | Target Price 360 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
White Mountains Insurance Group Ltd
Company Overview
History and Background
White Mountains Insurance Group Ltd. was founded in 1980. Originally focused on reinsurance, it has evolved into a diversified holding company that owns and invests in businesses offering property and casualty insurance, life insurance, and other financial services. They are based in Hanover, New Hampshire.
Core Business Areas
- NSM Insurance Group: NSM Insurance Group is a specialty insurance provider managing various niche insurance programs. They offer a wide array of insurance solutions and services.
- HG Global: HG Global is an investment business focused on digital infrastructure and other attractive investment opportunities.
- BAM: BAM provides financial guaranty insurance for municipal bonds.
- MediaAlpha: MediaAlpha is a platform for insurance customer acquisition.
Leadership and Structure
Manning Rountree is the CEO. The company operates under a holding company structure, with each subsidiary having its own management team. The board of directors oversees the overall strategy and performance of the group.
Top Products and Market Share
Key Offerings
- Specialty Insurance Programs (NSM Insurance Group): NSM Insurance Group provides various specialty insurance programs across niche markets. Market share data is difficult to pinpoint due to the diversity of their offerings, but they are a significant player in the specialty insurance space. Competitors include Brown & Brown, Arthur J. Gallagher & Co., and Marsh & McLennan Companies.
- Municipal Bond Insurance (BAM): BAM provides financial guaranty insurance for municipal bonds, enhancing their credit ratings. BAM competes with Assured Guaranty (AGO). Market share fluctuates, and BAM has a prominent but not dominant position. BAM is a smaller player than AGO.
Market Dynamics
Industry Overview
The insurance industry is highly competitive, with various players offering diverse products and services. Trends include increasing digitalization, evolving risk landscapes (e.g., climate change, cyber threats), and growing demand for specialized insurance solutions.
Positioning
White Mountains positions itself as a value-oriented investor and operator in the insurance and related financial services industries. Its competitive advantage lies in its disciplined capital allocation strategy, decentralized operating model, and focus on niche markets.
Total Addressable Market (TAM)
The global insurance market is valued in the trillions of dollars. White Mountains targets niche segments and specific investment opportunities, allowing them to capture a portion of this vast TAM. Their positioning focuses on sectors where they can generate superior returns.
Upturn SWOT Analysis
Strengths
- Disciplined capital allocation
- Experienced management team
- Diversified business portfolio
- Strong balance sheet
- Decentralized operating model
Weaknesses
- Dependence on investment returns
- Exposure to insurance underwriting risks
- Complexity of the holding company structure
- Smaller size compared to industry giants
- Reliance on Key Personnel
Opportunities
- Acquisitions of undervalued insurance businesses
- Expansion into new niche markets
- Growth in demand for specialized insurance products
- Leveraging technology to improve efficiency
- Strategic partnerships
Threats
- Increased competition in the insurance industry
- Adverse developments in the investment markets
- Regulatory changes
- Natural disasters and other catastrophic events
- Rising interest rates
Competitors and Market Share
Key Competitors
- BRK.A
- TRV
- CB
- WRB
Competitive Landscape
White Mountains distinguishes itself through its focus on niche markets, disciplined capital allocation, and decentralized operating model. It faces competition from larger, more diversified insurance companies.
Growth Trajectory and Initiatives
Historical Growth: White Mountains' growth has been driven by strategic acquisitions, organic growth within its subsidiaries, and successful investment performance.
Future Projections: Future growth depends on the company's ability to identify and execute accretive acquisitions, manage its existing businesses effectively, and generate strong investment returns. Analyst estimates should be consulted for specific projections.
Recent Initiatives: Recent initiatives may include acquisitions, divestitures, new product launches, and investments in technology.
Summary
White Mountains Insurance Group is a unique holding company that operates several different insurance and investment related products. They have a strong balance sheet with proven leadership. They need to remain focused on niches to prevent themselves from having too much competition from the bigger insurance players and they need to be careful with rising interest rates and how that will impact their holdings.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
- Industry Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions and company performance are subject to change.
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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