White Mountains Insurance Group Ltd (WTM) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
White Mountains Insurance Group Ltd stock (WTM) is currently trading at $2211.91. White Mountains Insurance Group Ltd PE ratio is 5.13. White Mountains Insurance Group Ltd PS ratio (Price-to-Sales) is 1.46. Analyst consensus price target for WTM is $360.00. WallStSmart rates WTM as Buy.
- WTM PE ratio analysis and historical PE chart
- WTM PS ratio (Price-to-Sales) history and trend
- WTM intrinsic value — DCF, Graham Number, EPV models
- WTM stock price prediction 2025 2026 2027 2028 2029 2030
- WTM fair value vs current price
- WTM insider transactions and insider buying
- Is WTM undervalued or overvalued?
- White Mountains Insurance Group Ltd financial analysis — revenue, earnings, cash flow
- WTM Piotroski F-Score and Altman Z-Score
- WTM analyst price target and Smart Rating
White Mountains Insurance Group
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WTM Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · White Mountains Insurance Group Ltd (WTM)
WTM appears undervalued based on the Graham Formula, trading 27% below its estimated fair value of $2924.48.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
White Mountains Insurance Group Ltd (WTM) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, return on equity, operating margin. Concerns around eps growth. Overall metrics suggest strong investment potential with favorable risk/reward.
White Mountains Insurance Group Ltd (WTM) Key Strengths (9)
Growing significantly faster than its price suggests
Keeps $64 of every $100 in revenue after operating costs
Revenue surging 348.00% year-over-year
Keeps $30 of every $100 in revenue as net profit
95.78% of shares held by major funds and institutions
Every $100 of equity generates $21 in profit
Paying $1.46 for every $1 of annual revenue
Trading at 1.01x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
White Mountains Insurance Group Ltd (WTM) Areas to Watch (1)
Earnings declining -36.60%, profits shrinking
Supporting Valuation Data
White Mountains Insurance Group Ltd (WTM) Detailed Analysis Report
Overall Assessment
This company scores 82/100 in our Smart Analysis, earning a A- grade. Out of 10 metrics analyzed, 9 register as strengths (avg 9.1/10) while 1 fall into concern territory (avg 0.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Operating Margin, Revenue Growth. Valuation metrics including PEG Ratio (0.81), Price/Sales (1.46), Price/Book (1.01) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 21.10%, Operating Margin at 64.30%, Profit Margin at 29.60%. Growth metrics are encouraging with Revenue Growth at 348.00%.
The Bear Case
The primary concerns are EPS Growth. Growth concerns include EPS Growth at -36.60%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 21.10% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 348.00% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Operating Margin makes a compelling case at current levels. The key risk is EPS Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current A- grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
WTM Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
WTM's Price-to-Sales ratio of 1.46x trades 35% below its historical average of 2.25x (75th percentile). The current valuation is 90% below its historical high of 14.76x set in Feb 2017, and 1026% above its historical low of 0.13x in Dec 2008. Over the past 12 months, the PS ratio has compressed from ~1.9x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for White Mountains Insurance Group Ltd (WTM) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
White Mountains Insurance Group Ltd is a strong growth company balancing expansion with improving profitability. Revenue reached 3.7B with 348% growth year-over-year. Profit margins are strong at 29.6%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 348% YoY, reaching 3.7B. This pace significantly outperforms most INSURANCE - PROPERTY & CASUALTY peers.
ROE of 2110.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can White Mountains Insurance Group Ltd maintain 348%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact White Mountains Insurance Group Ltd.
Bottom Line
White Mountains Insurance Group Ltd offers an attractive blend of growth (348% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About White Mountains Insurance Group Ltd(WTM)
NYSE
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
USA
White Mountains Insurance Group, Ltd., provides insurance services in the United States. The company is headquartered in Hamilton, Bermuda.