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WTWTM

White Mountains Insurance Group, Ltd.

$WTM·$5.3B·Insurance - Diversified·Financial Services
$2136.23-0.2%1Y+15.8%
Mentions · last 7 days
2026-08-08: 1 posts2026-08-09: 0 posts2026-08-10: 1 posts2026-08-11: 5 posts2026-08-12: 2 posts2026-08-13: 2 posts2026-08-14: 2 posts13+15%
Price updated 8h ago·X counts updated 6h ago
WTWTM
$WTMWhite Mountains Insurance Group, Ltd.
$2,136.23-0.24%13 posts+15%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $WTM, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersWinding up for a moveAI verdict · as of 2026-08-13

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

A Bermuda-based insurance/asset-management holding company that quietly compounds book value — the classic under-followed permanent-capital vehicle.

White Mountains Insurance Group is a Bermuda-headquartered financial-services holding company that owns a portfolio of insurance/reinsurance operations (Ark specialty, HG Global mortgage guarantee), asset-management stakes (Kudu), and specialty MGA businesses. Think of it as a small-scale, quality-focused version of the Berkshire model.

  • Q2 revenue grew 22.5% year over year to $844.6M with EPS of $80.58 (beat by 7%) — the business is genuinely accelerating on the back of hard reinsurance market conditions at Ark and asset-under-management growth at Kudu.
  • Trades at 5.8x TTM earnings and 18% ROE — that's a bank-of-Bermuda multiple for a diversified specialty-insurance holding compounding book value at mid-teens rates, and the disparity reflects the small float (2.4M shares) and the fact that most investors have never heard of the name.
  • EPS is naturally lumpy (Q3 2025 was $44.19, Q4 2025 was $327.23 on portfolio gains, Q1 2026 was -$12.59 on marks, Q2 2026 was $80.58) — you underwrite the segments, not any single quarter's headline, which is why the multiple stays low despite the trailing math.
  • The tape is holding: position essentially flat versus 50-day and 200-day averages, in the middle-upper 69% of the 52-week range, with volume 43% above the 30-day baseline — coiled after the beat, no directional break yet.

What restarts the move: the Nov 5 Q3 print delivering another top-tier tangible-book-per-share number and any commentary confirming the hard reinsurance market persists into 2027 — a $2,400+ handle isn't demanding on 6-7x forward. What would invalidate the coil: soft-market pricing showing up early at Ark or a Kudu holding writing down materially, either of which would flip the trajectory.

What to watch: Nov 5 Q3 earnings — tangible book value per share growth (the metric that actually matters for WTM) and any pricing commentary from Ark on the reinsurance renewal window. Also monitor Kudu's asset-management portfolio performance — a big write-down would signal margin-compression at that segment.

On the calendar: 2026-11-05 — Q3 earnings

Read the AI verdict + X sentiment for $WTM

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What it does

Plain-English summary of the business — what they sell and how they make money.

Specialty insurance holding company with property reinsurance, guaranty insurance, and financial services assets across Bermuda and the US.

Industry overviewAI analysisGenerated by AI from underlying data

Where Insurance - Diversified sits in its cycle right now — and what that implies for $WTM.

Insurance - Diversified · Financial Services

No material change from last week — diversified reinsurers benefit from sustained rate firming as cat loss frequency keeps new-business pricing elevated and global reinsurance demand strong.

Top industry ETF

$KIESPDR S&P Insurance ETF
+7.7%YTD
+9.8%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
5.8How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
248%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
51.7%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
7.3%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.6Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
18.1%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
57.4%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 6, 2026$0.81$0.75+7.4%
Q1 2026May 6, 2026$-12.59$-4.00-214.4%
Q4 2025Feb 6, 2026$39.77$379.45-89.5%
Q3 2025Nov 6, 2025$72.21$57.00+26.7%
Next earningsThu, Nov 5·consensus EPS $34.00

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$844.6M+22.5%100%30.3%$80.58$-61.8M
Q1 FY26$515.4M-10.8%59.8%-4.9%$-12.59$36.8M
Q4 FY25$576.1M+60.9%66.1%156%$327.23$53.9M
Q3 FY25$864.2M-9.4%54.0%20.7%$44.19$359.3M

Forward consensus

2-year forecast · up to 1 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$4.1B$4.1B – $4.1B$134.00$134.00 – $134.001
FY27$6.1B$6.1B – $6.1B$130.00$130.00 – $130.001

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.7×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.71%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+1.3%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+1.3%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatTiny float · 2.4M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.6% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.295-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

No open-market buys or sells in the last 180 days.

+ 16 other (14 awards · 2 gifts) in window

See when $WTM insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KPress release / Reg FDJun 58-K — Item 7.01: Press release / Reg FD
3New insider — initial holdingsMay 223
8-KOfficer or director changeMay 218-K — Item 5.02: Officer or director change · Item 5.07: Shareholder vote
8-KMaterial agreementMay 158-K — Item 1.01: Material agreement · Item 2.03: Material debt obligation
SC 13D/AActivist amendmentMay 1SC 13D/A
+ 14 other (3 13Gs · 2 10-Qs · 2 earnings 8-Ks · 2 routine 8-Ks) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

WHITE MOUNTAINS REPORTS SECOND QUARTER RESULTSprnewswire.com·9d agoWhite Mountains (WTM) is an Incredible Growth Stock: 3 Reasons Whyzacks.com·10d agoBank of New York Mellon Corp Has $18.55 Million Stock Holdings in White Mountains Insurance Group, Ltd. $WTMdefenseworld.net·16d agoWhite Mountains Insurance Group, Ltd. $WTM Position Trimmed by Bradley Foster & Sargent Inc. CTdefenseworld.net·19d agoAustralian Financial Planning Group Secures Minority Investment from Kudu Investment Management to Fund Growth Initiativesgurufocus.com·51d ago

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Voices on X · last 7 days

No standout posts about $WTM on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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