← WHITE MOUNTAINS INSURANCE GROUP LTD WTM
Market Price
$2,135.82
Market Cap
$5.30B
P/E Ratio
4.97
Revenue (FY 2025)
↑66.8% YoY
$3.73B
3-Yr CAGR: 47.8%
Net Income
↑380.2% YoY
$1.11B
Net Margin: 29.6%
Free Cash Flow
↓-6.2% YoY
$550.50M
FCF Yield: 10.39%
EPS (Diluted)
↑379.1% YoY
$430.14
Basic: $430.14
Return on Equity
Efficiency
20.4%
ROA: 272.4%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (WTM)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $1,360.7M | — | $648.6M | $412.5M | — | $82.19 | — | $-155.3M | $-155.3M | — |
| FY 2017 | $373.8M | -72.5% | $234.4M | $627.2M | +52.0% | $146.06 | +77.7% | $94.6M | $94.6M | +160.9% |
| FY 2018 | $369.1M | -1.3% | $120.4M | $-141.2M | -122.5% | $-41.76 | -128.6% | $-31.1M | $-31.1M | -132.9% |
| FY 2019 | $294.3M | -20.3% | $246.2M | $414.5M | +393.6% | $130.27 | +411.9% | $-120.5M | $-120.5M | -287.5% |
| FY 2020 | $307.9M | +4.6% | $278.4M | $708.7M | +71.0% | $226.97 | +74.2% | $-60.6M | $-60.6M | +49.7% |
| FY 2021 | $427.5M | +38.8% | $358.2M | $-275.4M | -138.9% | $-89.46 | -139.4% | $38.6M | $38.6M | +163.7% |
| FY 2022 | $1,157.9M | +170.9% | $1,059.3M | $792.8M | +387.9% | $276.96 | +409.6% | $365.0M | $365.0M | +845.6% |
| FY 2023 | $2,166.7M | +87.1% | $1,377.2M | $509.2M | -35.8% | $198.60 | -28.3% | $404.1M | $404.1M | +10.7% |
| FY 2024 | $2,239.8M | +3.4% | $1,290.5M | $230.4M | -54.8% | $89.79 | -54.8% | $586.8M | $586.8M | +45.2% |
| FY 2025 | $3,735.0M | +66.8% | $2,701.0M | $1,106.4M | +380.2% | $430.14 | +379.1% | $550.5M | $550.5M | -6.2% |
Valuation
Market Price
$2,135.82
Market Cap
$5.30B
Enterprise Value
$5.97B
P/E Ratio
4.97
P/B Ratio
0.98
FCF Yield
10.39%
Dividend Yield
0.05%
Shares Outstanding
Profitability & Margins
Gross Margin
72.32%
Operating Margin
0.80%
Net Margin
29.62%
Return on Equity (ROE)
20.39%
Return on Assets (ROA)
272.45%
Asset Turnover
9.20x
Revenue 3-Yr CAGR
47.75%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.154
Debt / Assets
2.061
Cash & Equivalents
$161.00M
Total Debt
$837.00M
Book Value / Share
$2,190.58
Cash Flow Efficiency
Operating Cash Flow
$550.50M
Capital Expenditures (CapEx)
N/A
Free Cash Flow
$550.50M
OCF / Revenue
14.74%
FCF / Revenue
14.74%
FCF 3-Yr CAGR
14.68%
Per Share Metrics
EPS (Diluted)
$430.14
EPS (Basic)
$430.14
Dividends / Share
$1.00
Book Value / Share
$2,190.58
EPS YoY Growth
379.05%
Balance Sheet (FY 2025)
Total Assets
$406.10M
Total Liabilities
$159.60M
Stockholders' Equity
$5.43B
Current Assets
N/A
Current Liabilities
N/A