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Upturn AI SWOT - About
WTM 
White Mountains Insurance Group Ltd (WTM)
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Upturn Advisory Summary
03/27/2025: 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.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -11.76% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.87B USD | Price to earnings Ratio 21.19 | 1Y Target Price 360 |
Price to earnings Ratio 21.19 | 1Y Target Price 360 | ||
Volume (30-day avg) 14989 | Beta 0.41 | 52 Weeks Range 1664.83 - 2021.93 | Updated Date 04/1/2025 |
52 Weeks Range 1664.83 - 2021.93 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 0.05% | Basic EPS (TTM) 89.74 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 9.79% | Operating Margin (TTM) -25.92% |
Management Effectiveness
Return on Assets (TTM) 3.78% | Return on Equity (TTM) 5.86% |
Valuation
Trailing PE 21.19 | Forward PE - | Enterprise Value 5246149246 | Price to Sales(TTM) 2.07 |
Enterprise Value 5246149246 | Price to Sales(TTM) 2.07 | ||
Enterprise Value to Revenue 2.23 | Enterprise Value to EBITDA - | Shares Outstanding 2563050 | Shares Floating 2458285 |
Shares Outstanding 2563050 | Shares Floating 2458285 | ||
Percent Insiders 3.18 | Percent Institutions 90.52 |
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. It has grown through acquisitions and strategic investments, focusing on property and casualty insurance and related financial services. The company emphasizes long-term value creation.
Core Business Areas
- NSM Insurance Group: NSM is a managing general agent and program administrator for niche insurance programs.
- HG Global: HG Global specializes in reinsurance and alternative risk transfer solutions.
- BAM: BAM provides financial guaranty insurance for municipal bonds.
- Other: Includes various smaller investments and run-off businesses.
Leadership and Structure
Manning Rountree is the Chief Executive Officer. The company operates with a decentralized structure, providing autonomy to its operating businesses.
Top Products and Market Share
Key Offerings
- Specialty Insurance Programs (NSM): NSM Insurance Group offers various specialty insurance programs, including those for social services, towing, and transportation. Market share data is not readily available, but NSM holds a significant position in these niche markets. Competitors include Brown & Brown, Acrisure, and Hub International.
- Reinsurance (HG Global): HG Global focuses on structured reinsurance and alternative risk transfer. Market share data for HG Global is not publicly disclosed. Competitors include RenaissanceRe, PartnerRe, and Everest Re.
- Financial Guaranty Insurance (BAM): BAM provides financial guaranty insurance for municipal bonds, enhancing their creditworthiness. BAM holds a significant share within the municipal bond insurance market. Competitors include Assured Guaranty and Build America Mutual.
Market Dynamics
Industry Overview
The insurance industry is undergoing rapid change with technological advancements, increasing regulatory scrutiny, and evolving customer expectations. Reinsurance is influenced by global events and capital market trends. The municipal bond insurance market is sensitive to interest rates and credit spreads.
Positioning
White Mountains positions itself as a disciplined capital allocator with a focus on long-term value. It seeks opportunities in niche markets and underperforming businesses. Competitive advantages include its experienced management team and its ability to deploy capital effectively.
Total Addressable Market (TAM)
The estimated total addressable market of the insurance and reinsurance segment that White Mountains operates in is $6 trillion globally. White Mountains is positioned in certain niche segments to capitalize on unique market opportunities
Upturn SWOT Analysis
Strengths
- Strong capital position
- Experienced management team
- Disciplined underwriting approach
- Decentralized operating model
- Track record of value creation
Weaknesses
- Relatively concentrated portfolio of businesses
- Dependence on key personnel
- Exposure to catastrophic events
- Complexity of insurance and reinsurance markets
- Limited revenue diversification
Opportunities
- Acquisition of undervalued insurance businesses
- Expansion into new specialty insurance markets
- Growth in reinsurance demand
- Technological innovation in insurance operations
- Increased demand for municipal bond insurance
Threats
- Increased competition
- Lower interest rates
- Catastrophic events
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- BRK.A
- HIG
- TRV
Competitive Landscape
White Mountains operates in a competitive environment, facing competition from larger, more diversified insurance companies. Its advantages include its experienced management team and its ability to deploy capital effectively. Disadvantages include its relatively concentrated portfolio of businesses and dependence on key personnel.
Major Acquisitions
MediaAlpha
- Year: 2021
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expanded White Mountains' presence in the technology-enabled insurance distribution space.
Growth Trajectory and Initiatives
Historical Growth: White Mountains' growth has been driven by acquisitions and organic growth in its operating businesses. The company has a history of generating strong returns on equity.
Future Projections: Future growth is expected to come from continued acquisitions, organic growth in existing businesses, and capital management initiatives. Analyst estimates vary depending on market conditions and acquisition activity.
Recent Initiatives: Recent initiatives include strategic investments in new insurance programs and the divestiture of non-core assets.
Summary
White Mountains Insurance Group is a holding company with a diverse portfolio of insurance and related businesses. Its focus on disciplined capital allocation and long-term value creation has driven its growth. The company's decentralized operating model and experienced management team are strengths. However, it needs to be wary of increasing competition and catastrophic events.
Similar Companies
HIG
Hartford Financial Services Group
HIG
Hartford Financial Services Group
TRV
The Travelers Companies Inc
TRV
The Travelers Companies Inc
WRB
W. R. Berkley Corp
WRB
W. R. Berkley Corp
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source.
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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