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White Mountains Insurance Group, Ltd. WTM | NYSE

$2,098.01 $4.88 | 0.23%

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|2026-10-14

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Company Overview:

Market Cap: $5.05B

Trailing PE: 4.8x

FWD PE: —

Payout Ratio (TTM): 0.4%

52-Week Range: $1,830.13 - $2,333.00

10 Year WTM Performance Metrics:

Total Return (with DRIP): 150.2% (9.60% CAGR)

Total Return (no DRIP): 149.2% (9.56% CAGR)

Share Price: 148.0% (9.51% CAGR)

Yield on Cost (with DRIP): 0.12%

Total Invested: $10,000

Total Value (with DRIP): $25,018

Total Return $ (with DRIP): $15,018

Dividend Increase: 0.0% (0.00% CAGR)

Dividend Yield (FWD): 0.05% ($1.00)

WTM 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

WTM Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

WTM Price CAGR:1Y: 8.54%2Y: 6.53%5Y: 13.56%10Y: 9.51%

WTM Dividend Charts

WTM - Dividends

WTM Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

WTM - Dividend Payout Ratio

WTM Dividend Payout Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 75.53%10Y: 0.00%

WTM - Dividend to Free Cash Flow Ratio

WTM Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

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WTM Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

WTM - Revenue

WTM Revenue CAGR:1Y: 22.55%2Y: 46.15%5Y: 14.63%10Y: 8.96%

WTM - Earnings Per Share (EPS)

WTM EPS CAGR:1Y: 68.82%2Y: 0.00%5Y: 12.58%10Y: 1.89%

WTM - Net Income

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WTM Net Income CAGR:1Y: 88.12%2Y: 0.00%5Y: 10.79%10Y: -3.81%

WTM - EBITDA

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WTM EBITDA CAGR:1Y: 41.95%2Y: 0.00%5Y: 7.45%10Y: -2.19%

WTM - Free Cash Flow

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WTM Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

WTM - Free Cash Flow / Share

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WTM Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

WTM - Operating Income

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WTM Operating Income CAGR:1Y: 56.26%2Y: 0.00%5Y: 19.99%10Y: 0.00%

WTM - Gross Profit

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WTM Gross Profit CAGR:1Y: 40.21%2Y: 20.67%5Y: 0.00%10Y: 0.00%

WTM - Shares Outstanding

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WTM Shares Outstanding CAGR:1Y: -5.26%2Y: -2.48%5Y: -4.98%10Y: -7.12%

WTM - Share Buybacks

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WTM Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 91.56%10Y: -6.52%

WTM - Stock-Based Comp

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WTM Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 22.10%10Y: 0.21%

WTM - Expenses

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WTM Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

WTM - Revenue vs Net Income

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WTM - EPS vs FCF / Share

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WTM - EPS vs PE Ratio

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WTM - FCF vs FCF / Share

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WTM - FCF vs Stock Based Comp

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WTM - Cash & Debt

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WTM - Revenue by Segment

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WTM Revenue CAGR:1Y: 22.55%2Y: 46.15%5Y: 14.63%10Y: 8.96%

WTM - Revenue by Region

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WTM Revenue CAGR:1Y: 22.55%2Y: 46.15%5Y: 14.63%10Y: 8.96%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

WTM - REVENUE: Actual + Estimates

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WTM Actual Revenue CAGR:1Y: 22.55%2Y: 46.15%5Y: 14.63%10Y: 8.96%

WTM - EPS: Actual + Estimates

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WTM Actual EPS CAGR:1Y: 68.82%2Y: 0.00%5Y: 12.58%10Y: 1.89%

WTM - NET INCOME: Actual + Estimates

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WTM Actual Net Income CAGR:1Y: 88.12%2Y: 0.00%5Y: 10.79%10Y: -3.81%

WTM - EBITDA: Actual + Estimates

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WTM Actual EBITDA CAGR:1Y: 41.95%2Y: 0.00%5Y: 7.45%10Y: -2.19%

Ratios, Profit Margins & Return on Capital:

WTM - Net Profit Margin

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WTM Net Profit Margin CAGR:1Y: 32.47%2Y: 0.00%5Y: -6.16%10Y: -13.01%

WTM - Gross Profit Margin

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WTM Gross Profit Margin CAGR:1Y: 35.33%2Y: -10.20%5Y: -3.73%10Y: -2.30%

WTM - Price to Earnings

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WTM Price to Earnings CAGR:1Y: -31.61%2Y: 0.00%5Y: 0.22%10Y: 7.56%

WTM - Price To Sales Ratio

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WTM Price To Sales Ratio CAGR:1Y: -10.74%2Y: -27.66%5Y: -6.47%10Y: -6.70%

WTM - Return on Capital Employed

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WTM Return on Capital Employed CAGR:1Y: 24.56%2Y: 0.00%5Y: 0.99%10Y: 0.00%

WTM - Return on Invested Capital

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WTM Return on Invested Capital CAGR:1Y: 21.37%2Y: 0.00%5Y: -3.95%10Y: 33.47%

WTM Dividends Info:

Annual Dividend: $1

Forward Yield: 0.05%

Ex-Dividend Date: 2026-03-16

Lifetime Dividends / Share: $58.69

WTM Dividend History: Dates, Payments & Yield list

Below is a schedule of all WTM dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
03/16/2026	03/18/2026	$1.000	0.05%	0.05%	$2,185.01
03/17/2025	03/19/2025	$1.000	0.05%	0.05%	$1,886.53
03/08/2024	03/11/2024	$1.000	0.06%	0.06%	$1,727.99
03/10/2023	03/13/2023	$1.000	0.07%	0.08%	$1,322.18
03/11/2022	03/23/2022	$1.000	0.1%	0.09%	$1,087.94
03/12/2021	03/24/2021	$1.000	0.08%	0.09%	$1,172.28
03/13/2020	03/25/2020	$1.000	0.12%	0.12%	$840.00
03/15/2019	03/27/2019	$1.000	0.11%	0.11%	$924.26
03/16/2018	03/28/2018	$1.000	0.12%	0.12%	$820.30
03/16/2017	03/29/2017	$1.000	0.11%	0.11%	$881.45
03/17/2016	03/30/2016	$1.000	0.13%	0.12%	$805.00
03/12/2015	03/25/2015	$1.000	0.15%	0.15%	$681.09
03/13/2014	03/26/2014	$1.000	0.17%	0.17%	$596.00
03/14/2013	03/27/2013	$1.000	0.18%	0.18%	$566.21
03/22/2012	04/04/2012	$1.000	0.2%	0.2%	$501.06
03/17/2011	03/30/2011	$1.000	0.28%	0.28%	$362.00
03/18/2010	03/31/2010	$1.000	0.56%	0.56%	$355.00
03/12/2009	03/25/2009	$1.000	1.22%	1.1%	$181.66
06/12/2008	06/25/2008	$2.000	1.77%	1.82%	$440.00
03/13/2008	03/26/2008	$2.000	1.68%	1.68%	$475.02
12/13/2007	12/27/2007	$2.000	1.53%	1.6%	$500.00
09/13/2007	09/26/2007	$2.000	1.51%	1.52%	$525.80
06/14/2007	06/27/2007	$2.000	1.33%	1.33%	$600.00
03/15/2007	03/28/2007	$2.000	1.45%	1.43%	$560.00
12/14/2006	12/27/2006	$2.000	1.35%	1.38%	$579.01
09/14/2006	09/27/2006	$2.000	1.56%	1.6%	$498.75
06/15/2006	06/28/2006	$2.000	0.77%	0.82%	$490.47
03/09/2006	03/22/2006	$2.000	0.72%	0.7%	$574.00
12/15/2005	12/28/2005	$2.000	0.34%	0.36%	$556.50
09/15/2005	09/28/2005	$2.000	0.32%	0.33%	$601.75
06/09/2005	06/22/2005	$2.000	0.31%	0.31%	$647.50
03/10/2005	03/23/2005	$2.000	0.3%	0.32%	$630.75
03/11/2004	03/24/2004	$1.000	0.21%	0.2%	$493.00
03/13/2003	03/26/2003	$1.000	0.62%	0.59%	$338.50
03/14/2002	03/27/2002	$1.000	0.6%	0.59%	$341.50
03/15/2001	03/28/2001	$1.000	1.31%	1.26%	$318.00
09/14/2000	09/27/2000	$0.400	0.96%	0.63%	$252.00
06/15/2000	06/28/2000	$0.400	1%	1%	$160.00
03/09/2000	03/22/2000	$0.400	1.42%	1.19%	$134.50
12/09/1999	12/22/1999	$0.400	1.36%	1.34%	$119.00
09/09/1999	09/22/1999	$0.400	1.17%	1.21%	$131.75
06/10/1999	06/23/1999	$0.400	1.13%	1.14%	$140.13
03/11/1999	03/24/1999	$0.400	1.23%	1.31%	$122.25
12/10/1998	12/23/1998	$0.400	1.16%	1.17%	$137.25
09/10/1998	09/23/1998	$0.400	1.34%	1.29%	$123.88
06/04/1998	06/17/1998	$0.400	1.08%	1.07%	$149.00
03/05/1998	03/19/1998	$0.400	1.2%	1.17%	$137.00
12/04/1997	12/17/1997	$0.200	0.33%	0.33%	$122.50
09/04/1997	09/17/1997	$0.200	0.38%	0.37%	$106.69
06/05/1997	06/18/1997	$0.200	0.39%	0.37%	$109.50
03/07/1997	03/19/1997	$0.200	0.37%	0.37%	$107.25
12/05/1996	12/18/1996	$0.200	0.43%	0.43%	$92.50
09/05/1996	03/20/1996	$0.200	0.44%	0.52%	$76.38
11/21/1991	12/18/1991	$0.170	1.02%	1.03%	$66.25
08/22/1991	09/18/1991	$0.170	1.06%	1.06%	$63.88
05/22/1991	06/19/1991	$0.170	1.07%	1.08%	$63.25
02/21/1991	03/20/1991	$0.170	1.19%	1.11%	$61.13
11/21/1990	12/19/1990	$0.170	1.44%	1.35%	$50.25
08/23/1990	09/19/1990	$0.170	1.48%	1.52%	$44.88
05/23/1990	06/20/1990	$0.170	2.13%	2%	$34.00
02/22/1990	03/21/1990	$0.170	2.19%	2.13%	$32.00
11/22/1989	12/20/1989	$0.150	1.75%	1.8%	$33.25
08/24/1989	09/20/1989	$0.150	1.64%	1.56%	$38.38
05/24/1989	06/21/1989	$0.150	1.82%	1.78%	$33.63
02/23/1989	03/22/1989	$0.150	1.83%	1.8%	$33.25
11/23/1988	12/21/1988	$0.125	1.74%	1.73%	$28.88
08/25/1988	09/21/1988	$0.125	1.59%	1.51%	$33.13
05/25/1988	06/22/1988	$0.125	1.81%	1.65%	$30.38
02/25/1988	03/23/1988	$0.125	1.75%	1.75%	$28.63
11/19/1987	12/16/1987	$0.100	1.43%	1.58%	$25.25
08/20/1987	09/16/1987	$0.100	1.01%	1.11%	$36.00
05/20/1987	06/17/1987	$0.100	1.15%	1.06%	$37.63
02/26/1987	03/25/1987	$0.100	0.98%	1%	$39.88
11/20/1986	11/30/-0001	$0.075	0.46%	0.46%	$32.75
08/21/1986	11/30/-0001	$0.075	0.38%	0.38%	$39.50
05/22/1986	11/30/-0001	$0.075	0.41%	0.41%	$36.88

Projected Future Returns & Dividends for WTM

Based on past 10-year performance, here are WTM growth metrics:

Share price CAGR of +9.51%
Dividend CAGR of +0%

Using WTM CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	WTM (DRIP)	WTM - No DRIP
Current Price	$2,098.01	$2,098.01
Start Shares	4.77	4.77
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	4.78	4.77
Dividends Payment	$1.00	$1.00
Annual Dividends	$5	$5
Yield on cost	0.05%	0.05%
Share Price	$5,203.26	$5,203.26
Total Dividends	$48	$48
Final Value	$24,882	$24,849

Estimated Future Value + Dividends - WTM

NOTE: Above numbers are our estimate based on WTM's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

White Mountains Insurance Group, Ltd. (WTM) had its IPO on 1985-10-23, and is traded on NYSE stock exchange.

White Mountains Insurance Group, Ltd. provides insurance services in the United States, the United Kingdom, Bermuda, and internationally. It operates through Ark/WM Outrigger, HG Global, Kudu, Distinguished, and Other Operations segments. The company offers property insurance and reinsurance; specialty insurance and reinsurance consisting of aviation, contingency, cyber, fine art and specie, mortgage, nuclear, political and credit, space, surety, and terrorism and political violence; marine and energy insurance and reinsurance; casualty insurance and reinsurance, such as medical malpractice, and professional and general liability; and accident and health insurance and reinsurance, which includes personal accident, sickness, disability, travel, short-term life, and medical products through brokers, managing general agents (MGA), and reinsurance intermediaries. It also provides municipal bond guarantee reinsurance, which focuses on single risk limits for small-to-medium sized, and public investment grade municipal bonds that are issued to finance public purpose projects, including schools, utilities, and transportation facilities. In addition, the company offers capital solutions for boutique asset and wealth managers for generational ownership transfers, management buyouts, acquisition and growth finance, and legacy partner liquidity; strategic advice; investment management; and specialty electrical contracting services. Further, it operates as a full-service MGA and program administrator for specialty property and casualty insurance for the real estate and hospitality end markets, and start-up programs; and an MGA for leisure travel and global expatriate medical insurance in Israel, the European Union, and Australia. The company was formerly known as Fund American Enterprises Holdings, Inc. and changed its name to White Mountains Insurance Group, Ltd. in 1999. White Mountains Insurance Group, Ltd. was incorporated in 1980 and is headquartered in Hamilton, Bermuda.

WTM website: https://www.whitemountains.com

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DCF Model — WTM

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

—

vs current price $2,098.01

—

Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

—

÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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