WTM
White Mountains Insurance Group·NYSE
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5.33 / 10
Netural
Fundamental analysis reveals average conditions with several strengths: Profit-MV (1.48), Cash-UP (0.51), and Current assets turnover ratio (1.78) are favorable, contributing to a Netural overall score of 5.3/10. Key concerns include ROE (diluted) YoY growth at 4.56%, which is positive but not dominant, and negative growth in Basic earnings per share (-25.22%) and Total profit (-2.22%), signaling earnings pressure. Asset-MV is slightly negative (-0.50), indicating higher asset levels relative to market value. Overall, the fundamentals are moderate with both encouraging and cautionary elements.
Analysis Checks(5/10)
Revenue-MV
Value0.57
Score3/3
Weight29.88%
1M Return6.02%
Value0.57
Score3/3
Weight29.88%
1M Return6.02%
ROE (diluted) (YoY growth rate %)
Value4.56
Score1/3
Weight13.42%
1M Return2.38%
Value4.56
Score1/3
Weight13.42%
1M Return2.38%
Basic earnings per share (YoY growth rate %)
Value-25.22
Score0/3
Weight-2.26%
1M Return-0.47%
Value-25.22
Score0/3
Weight-2.26%
1M Return-0.47%
Net cash flow from operating activities (YoY growth rate %)
Value-4.99
Score0/3
Weight-2.18%
1M Return-0.49%
Value-4.99
Score0/3
Weight-2.18%
1M Return-0.49%
Cash-UP
Value0.51
Score2/3
Weight8.32%
1M Return1.88%
Value0.51
Score2/3
Weight8.32%
1M Return1.88%
Net profit attributable to parent company shareholders / Net profit (%)
Value69.72
Score3/3
Weight17.57%
1M Return2.89%
Value69.72
Score3/3
Weight17.57%
1M Return2.89%
Profit-MV
Value1.48
Score2/3
Weight18.81%
1M Return3.60%
Value1.48
Score2/3
Weight18.81%
1M Return3.60%
Total profit (YoY growth rate %)
Value-2.22
Score0/3
Weight-4.86%
1M Return-1.09%
Value-2.22
Score0/3
Weight-4.86%
1M Return-1.09%
Current assets turnover ratio
Value1.78
Score2/3
Weight14.85%
1M Return2.59%
Value1.78
Score2/3
Weight14.85%
1M Return2.59%
Asset-MV
Value-0.50
Score1/3
Weight6.43%
1M Return1.32%
Value-0.50
Score1/3
Weight6.43%
1M Return1.32%
Revenue-MV
Value0.57
Score3/3
Weight29.88%
1M Return6.02%
Value0.57
Score3/3
Weight29.88%
1M Return6.02%
Net profit attributable to parent company shareholders / Net profit (%)
Value69.72
Score3/3
Weight17.57%
1M Return2.89%
Value69.72
Score3/3
Weight17.57%
1M Return2.89%
ROE (diluted) (YoY growth rate %)
Value4.56
Score1/3
Weight13.42%
1M Return2.38%
Value4.56
Score1/3
Weight13.42%
1M Return2.38%
Profit-MV
Value1.48
Score2/3
Weight18.81%
1M Return3.60%
Value1.48
Score2/3
Weight18.81%
1M Return3.60%
Basic earnings per share (YoY growth rate %)
Value-25.22
Score0/3
Weight-2.26%
1M Return-0.47%
Value-25.22
Score0/3
Weight-2.26%
1M Return-0.47%
Total profit (YoY growth rate %)
Value-2.22
Score0/3
Weight-4.86%
1M Return-1.09%
Value-2.22
Score0/3
Weight-4.86%
1M Return-1.09%
Net cash flow from operating activities (YoY growth rate %)
Value-4.99
Score0/3
Weight-2.18%
1M Return-0.49%
Value-4.99
Score0/3
Weight-2.18%
1M Return-0.49%
Current assets turnover ratio
Value1.78
Score2/3
Weight14.85%
1M Return2.59%
Value1.78
Score2/3
Weight14.85%
1M Return2.59%
Cash-UP
Value0.51
Score2/3
Weight8.32%
1M Return1.88%
Value0.51
Score2/3
Weight8.32%
1M Return1.88%
Asset-MV
Value-0.50
Score1/3
Weight6.43%
1M Return1.32%
Value-0.50
Score1/3
Weight6.43%
1M Return1.32%
Is WTM undervalued or overvalued?
- WTM scores 5.33/10 on fundamentals and holds a Fair valuation at present. Backed by its 4.99% ROE, 10.59% net margin, 39.64 P/E ratio, 0.97 P/B ratio, and -78.49% earnings growth, these metrics solidify its Netural investment rating.
