WTM

Based on White Mountains Insurance Group, Ltd.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does White Mountains Insurance Group do?

White Mountains is a diversified financial holding company operating across municipal bond insurance, specialty reinsurance, managing general agency, capital solutions for boutique asset managers, and travel insurance. Its five segments generate revenue through underwriting, fee-based services, and investment returns, giving it a broader footprint than a traditional single-line insurer.

Does WTM pay dividends?

Yes, White Mountains pays a regular dividend. The payout is relatively modest compared to pure-play income stocks, as the company also allocates capital toward acquisitions and strategic investments across its segments. Investors should review the current dividend details on the company's investor relations page.

When does WTM report earnings?

White Mountains reports earnings on a quarterly cadence, consistent with US-listed financial holding companies. Exact release dates vary each quarter. For the most current schedule, check the investor relations section of the White Mountains website.

Is WTM a good stock to buy?

The UQS Score rates WTM as Good overall. Its Quality pillar is Strong, and Growth, Risk, and Valuation all register as Good. The main flag is a Weak Moat rating, which matters for investors focused on long-term competitive durability. The full pillar breakdown is available to UQS Pro members.

Is WTM overvalued?

WTM's Valuation pillar is rated Good, suggesting the stock does not appear obviously overpriced relative to its fundamentals at the time of scoring. Valuation assessments can shift with earnings results and market conditions, so reviewing the full metrics available to Pro members is worthwhile.

How does WTM compare to its competitors?

White Mountains differs from peers like RLI, Lemonade, and Mercury General through its multi-segment holding company structure. Rather than concentrating on a single insurance line, WTM spans municipal bond insurance, specialty reinsurance, program administration, and capital solutions — a diversification strategy that sets it apart from more focused competitors.

What is WTM's market cap bracket?

White Mountains Insurance Group is classified as a mid-cap company. This places it in a tier where institutional coverage exists but the stock may receive less attention than large-cap financial services names, potentially creating opportunities for investors who research it thoroughly.

Who founded White Mountains Insurance Group?

White Mountains was incorporated in 1980. Founding and leadership history is widely documented in public filings and the company's official corporate history. For detailed background, the White Mountains investor relations page and SEC filings are the most reliable sources.

Is WTM a long-term quality stock?

As a long-term quality indicator, WTM's Strong Quality pillar and Good Risk rating suggest the business is managed with financial discipline and does not carry outsized balance-sheet risk. The Weak Moat rating is the key consideration for long-term holders, as it signals limited structural competitive advantages relative to sector peers.

What is the main competitive advantage of White Mountains Insurance Group?

White Mountains' primary edge lies in its diversified holding company structure, which spreads risk across underwriting, fee-based program administration, and capital solutions. However, the UQS Moat pillar rates this advantage as Weak, reflecting the competitive pressures inherent in specialty insurance and reinsurance markets.

What sector does WTM belong to?

WTM operates in the Financial Services sector, specifically within specialty insurance and reinsurance. Its Kudu segment also touches the asset management space, making it one of the more diversified names within financial services. You can explore other [financial services stocks scored by UQS](/sector/financial-services) for context.

White Mountains Insurance Group, Ltd. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.

White Mountains Insurance Group, Ltd. demonstrates healthy growth trends across revenue and earnings.

White Mountains Insurance Group, Ltd. maintains a reasonable risk profile with manageable debt levels.

White Mountains Insurance Group, Ltd. appears attractively valued relative to its earnings, cash flows, and sector peers.

White Mountains Insurance Group, Ltd. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for WTM.

The UQS (Unified Quality Score) for White Mountains Insurance Group, Ltd. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses White Mountains Insurance Group, Ltd.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether White Mountains Insurance Group, Ltd. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.