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WHITE MOUNTAINS INSURANCE GROUP LTD

WTM

$2138.97 ▲ +25.11 (+1.19%) at close

19 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

WHITE MOUNTAINS INSURANCE GROUP LTD shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $5.4B

Dividend Yield 0.05%

Revenue Growth 66.8% ↗

Op. Margin 35.6% ↗

ROIC None

FCF / Share None

Trailing P/E 5.0x

Price / Book 1.0x

FCF Yield —

Debt / Equity 0.15

info Valuation on last close. End-of-day price, Aug 6, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$3.73B

↑ +66.8% —

Net Income Profit after all expenses

$1.11B

↑ +380.2% —

Operating Margin Operating profit as % of sales

35.6%

↑ +151.6% 90th

Long-Term Debt Long-term obligations

$837.00M

↑ +48.8% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability

Returns

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.00 Latest / share

+0.0% YoY

+0.0% 12-yr CAGR

$1.00

FY 2014

$1.00

FY 2015

$1.00

FY 2016

$1.00

FY 2017

$1.00

FY 2018

$1.00

FY 2019

$1.00

FY 2020

$1.00

FY 2021

$1.00

FY 2022

$1.00

FY 2023

$1.00

FY 2024

$1.00

FY 2025

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	66.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1013%)	3.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-44%)	87.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1352%)	22.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+276%)	-20.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-433%)	32.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+436%)	142.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2267%)	-1.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-121%)	137.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2184%)	-90.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-1605%)	11.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+92%)	-37.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-721%)	-4.9% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-181%)	12.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+101%)	-15.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-356%)	-42.0% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-800%)	50.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+738%)	—	—
EPS Growth YoY (%)	379.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-54.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-28.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	74.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	82.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	58.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-1.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-1.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	70.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-68.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	862.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-80.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—
Net Income Growth YoY (%)	380.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-54.8% Weak Weak Year-over-year change in net income	-35.8% Weak Weak Year-over-year change in net income	N/M	N/M	76.2% Excellent Excellent Year-over-year change in net income	N/M	N/M	45.0% Excellent ↑ Excellent Improving Year-over-year change in net income	46.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-3.6% Weak ↑ Weak Improving Year-over-year change in net income	-6.3% Weak ↓ Weak Declining Year-over-year change in net income	60.0% Excellent ↓ Excellent Declining Year-over-year change in net income	-76.1% Weak ↓ Weak Declining Year-over-year change in net income	480.2% Excellent Excellent Year-over-year change in net income	-70.3% Weak Weak Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	47.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	33.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	22.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	9.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	36.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	46.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	78.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	-38.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-36.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-59.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-12.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-12.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.3% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-18.1% Weak Weak Compound annual revenue growth over 3 years	-9.6% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	25.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	20.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	42.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	25.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	43.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	-6.2% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-9.3% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-30.7% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-31.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-40.8% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-8.8% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-20.0% Weak Weak Compound annual revenue growth over 5 years	-4.7% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	15.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	—	-4.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	28.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	—	15.8% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	17.6% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	—	41.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	15.6% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	18.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-19.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	72.4% Excellent Excellent Compound annual EPS growth over 3 years	-16.9% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	35.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	14.1% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	26.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	-12.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-152%)	-32.0% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-228%)	54.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+119%)	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	9.6% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	10.3% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.7% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-27.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-12.8% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-3.2% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	29.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	10.3% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	23.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	68.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+211%)	-34.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-255%)	56.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+155%)	42.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+92%)	-51.9% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-336%)	—	—	17.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	19.9% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	13.4% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	7.9% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	37.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	5.4% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	10.6% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	-18.9% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-186%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	9.0% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	2.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	6.1% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	10.7% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	-4.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	13.7% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	9.5% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	-5.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	16.2% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	6.3% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	2.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	5.8% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	3.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	20.4% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+70%)	5.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-57%)	12.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	21.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+76%)	-9.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-176%)	17.0% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+42%)	11.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	-6.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-156%)	17.0% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+42%)	11.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	7.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	7.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	7.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	5.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-57%)	19.8% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+65%)	3.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	12.9% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+7%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	0.15x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	0.13x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.13x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.15x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	0.20x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.10x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	0.09x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.07x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-94%)	0.01x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.09x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.09x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.17x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	0.20x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	0.17x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	0.22x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$1.47K	$884.53	$857.32	$409.70	$310.53	$383.17	$284.42	$110.43	$88.17	$31.86	$279.06	$241.30	$379.34	$363.07	$278.19	$303.71	—	—	—
Basic EPS, GAAP (USD)	$430.14	$89.79	$198.60	$276.96	$-89.46	$226.97	$130.27	$-41.76	$146.06	$80.11	$50.60	$51.13	$51.89	$30.50	$97.44	$10.12	$53.11	$-54.26	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$4.00	—
Book Value per Share (USD)	$2.19K	$1.75K	$1.66K	$1.46K	$1.18K	$1.26K	$1.02K	$896.00	$931.29	$785.02	$695.84	$667.48	$632.29	$593.20	$539.43	$445.76	$412.79	—	—
Tangible Book Value per Share (USD)	$1.78K	$1.47K	$1.51K	$1.30K	$961.84	$1.09K	$899.99	$776.27	$914.73	$775.12	$685.99	$608.82	$628.94	$593.20	$539.43	$445.76	$412.79	—	—
Basic Weighted Avg Shares (shares)	2.53M	2.53M	2.53M	2.83M	3.04M	3.08M	3.14M	3.34M	4.24M	4.95M	5.81M	6.03M	6.11M	6.71M	7.81M	8.45M	—	—	—
Dividend Payout Ratio (%)	0.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	1.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.5% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.4% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-1.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	0.4% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-2.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	0.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	1.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	2.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	2.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	1.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	3.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	1.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$837.00M	$562.50M	$564.60M	$575.20M	$693.00M	$376.40M	$283.50M	$192.70M	$23.80M	$12.70M	$337.60M	$343.10M	$676.40M	$751.20M	$677.50M	$818.80M	—	—	—
Total Equity (USD)	$5.43B	$4.48B	$4.24B	$3.75B	$3.55B	$3.91B	$3.26B	$2.84B	$3.49B	$3.58B	$3.91B	$4.00B	$3.91B	$3.73B	$4.09B	$3.65B	$3.66B	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$3.73B	$2.24B	$2.17B	$1.16B	$944.80M	$1.18B	$893.40M	$369.10M	$373.80M	$157.70M	$1.62B	$1.45B	$2.32B	$2.44B	$2.17B	$2.57B	$4.43B	$2.95B	—
Depreciation Expense (USD)	—	—	—	—	$63.60M	$43.40M	$29.80M	$25.70M	$22.40M	$20.40M	$46.40M	$38.20M	$60.60M	—	—	—	—	—	—
Net Income, GAAP (USD)	$1.11B	$230.40M	$509.20M	$792.80M	$-321.90M	$663.40M	$376.60M	$-191.40M	$593.10M	$409.00M	$279.50M	$290.00M	$309.40M	$193.40M	$809.40M	$139.50M	$470.00M	$-555.30M	—
Operating Cash Flow (USD)	$550.50M	$586.80M	$404.10M	$365.00M	$38.60M	$-60.60M	$-120.50M	$-31.10M	$94.60M	$-149.30M	$175.70M	$118.80M	$-101.00M	$-225.80M	$-114.50M	$56.00M	$-46.70M	$89.10M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Premiums Earned (USD)	$1.78B	$1.69B	$1.44B	$1.08B	$664.20M	$22.80M	$16.30M	$13.90M	$10.40M	$13.40M	$1.19B	$1.19B	$1.99B	$2.06B	$1.92B	$2.25B	$3.60B	$3.71B	—
Loss Ratio (%) (%)	—	—	—	—	—	—	—	—	10.6%	59.7%	59.7%	69.5%	52.4%	57.9%	61.0%	61.7%	58.9%	67.6%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 19 years · 71 quarters

WHITE MOUNTAINS INSURANCE GROUP LTD

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