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Upturn AI SWOT - About
WTM 
White Mountains Insurance Group Ltd (WTM)
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Upturn Advisory Summary
10/15/2025: 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 -21.03% | Avg. Invested days 29 | 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 10/15/2025 |
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 and evolved from a diverse holding company to a focused specialty insurance provider. It has grown through strategic acquisitions and divestitures.
Core Business Areas
- NSM Insurance Group: A specialty insurance distribution platform focused on niche markets.
- HG Global: A provider of specialty insurance products and services.
- BAM: A provider of municipal bond insurance.
Leadership and Structure
Manning Rountree is the CEO. The company has a board of directors overseeing strategic decisions.
Top Products and Market Share
Key Offerings
- Specialty Insurance Programs (NSM): NSM Insurance Group designs and distributes specialty insurance programs. Market share varies by specific niche. Competitors include Hub International, Risk Strategies, and Brown & Brown.
- Municipal Bond Insurance (BAM): Build America Mutual (BAM) provides municipal bond insurance. BAM is one of the leading providers of municipal bond insurance. Competitors include Assured Guaranty and National Public Finance Guarantee.
Market Dynamics
Industry Overview
The insurance industry is highly competitive, subject to regulatory changes, and influenced by macroeconomic factors and catastrophic events.
Positioning
White Mountains is positioned as a specialty insurer and capital allocator, focusing on niche markets and strategic investments. Competitive advantages include a strong balance sheet and experienced management team.
Total Addressable Market (TAM)
The TAM for specialty insurance is estimated to be in the hundreds of billions of dollars. White Mountains aims to capitalize on specific segments within this market. Total addressable market for municipal bond insurance depends on the total issuance volume.
Upturn SWOT Analysis
Strengths
- Strong Balance Sheet
- Experienced Management Team
- Disciplined Capital Allocation
- Specialty Focus
Weaknesses
- Concentration in Specific Markets
- Exposure to Catastrophic Events
- Reliance on Acquisitions for Growth
Opportunities
- Acquisition Opportunities
- Expansion into New Specialty Markets
- Technological Innovation
Threats
- Increased Competition
- Regulatory Changes
- Economic Downturn
- Climate Change and Increased Catastrophic Events
Competitors and Market Share
Key Competitors
- BRK.A
- HIG
- TRV
- WRB
- RE
Competitive Landscape
White Mountains competes with larger, more diversified insurance companies. Its competitive advantage lies in its specialty focus and disciplined capital allocation.
Major Acquisitions
Trilantic Capital Management
- Year: 2019
- Acquisition Price (USD millions): 150
- Strategic Rationale: Expanded investment management capabilities.
Growth Trajectory and Initiatives
Historical Growth: White Mountains' growth has been driven by acquisitions and organic growth within its operating companies.
Future Projections: Future growth projections need current analyst estimates.
Recent Initiatives: Recent initiatives include strategic acquisitions and divestitures, as well as investments in technology and innovation.
Summary
White Mountains is a well-managed specialty insurance holding company with a strong balance sheet. Its disciplined capital allocation strategy is a key strength. However, it faces risks related to catastrophic events and competition. Future growth depends on its ability to identify and execute strategic acquisitions and navigate economic cycles.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, industry reports, analyst estimates, financial news sources.
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Financial data is 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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