Discounted Cash Flow
White Mountains Insurance Group Ltd.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $1.4b | $412.5m | $-155.3m | 30.3% | $82.24 |
| 2017 | $373.8m (-72.5%) | $627.2m (52.0%) | $94.6m (160.9%) | 167.8% (453.5%) | $146.06 (77.6%) |
| 2018 | $369.1m (-1.3%) | $-141.2m (-122.5%) | $-31.1m (-132.9%) | -38.3% (-122.8%) | $-41.76 (-128.6%) |
| 2019 | $893.4m (142.0%) | $414.5m (393.6%) | $-120.5m (-287.5%) | 46.4% (221.3%) | $130.27 (411.9%) |
| 2020 | $1.2b (32.2%) | $708.7m (71.0%) | $-60.6m (49.7%) | 60.0% (29.4%) | $226.97 (74.2%) |
| 2021 | $944.8m (-20.0%) | $-275.4m (-138.9%) | $38.6m (163.7%) | -29.1% (-148.6%) | $-89.46 (-139.4%) |
| 2022 | $1.2b (22.6%) | $792.8m (387.9%) | $326.3m (745.3%) | 68.5% (334.9%) | $276.96 (409.6%) |
| 2023 | $2.2b (87.1%) | $509.2m (-35.8%) | $404.1m (23.8%) | 23.5% (-65.7%) | $198.60 (-28.3%) |
| 2024 | $2.2b (3.4%) | $230.4m (-54.8%) | $586.8m (45.2%) | 10.3% (-56.2%) | $89.79 (-54.8%) |
| 2025 | $3.7b (66.8%) | $1.1b (380.2%) | $550.5m (-6.2%) | 29.6% (188.0%) | $430.14 (379.1%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.