TickerTalks
Browse all tickers →
TickerTalks›$WTM
WTWTM

White Mountains Insurance Group, Ltd.

$WTM·$5.0B·Insurance - Diversified·Financial Services
$2021.51+0.3%YTD-2.5%1Y+20.5%
Price updated 3h ago·X counts updated 2d ago
WTWTM
$WTMWhite Mountains Insurance Group, Ltd.
$2,021.51+0.32%58 posts0.9×
AI analysisFundamentalsVoices on X
Loading…

On X

The complete picture of $WTM on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

58X posts · last 7 days
Sep 11Sep 27
Chatter Meter
0.9×
QuietNormal · 1×Loud

How loud $WTM's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level.

AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $WTM — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersWinding up for a moveAI verdict · as of 2026-09-28

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

White Mountains Insurance at 5.8x P/E, 7.3% FCF yield, zero debt — thin float means moves are lumpy.

White Mountains is a quality specialty-insurer holding company with a peculiar float and lumpy EPS from BAM/Ark subsidiaries.

  • Tape: -2.5% YTD, +20.1% t12m; 56% of 52w range, -4% vs 50-day, -4.7% vs 200-day.
  • 5.8x P/E (unusually low), 4.6x EV/EBITDA, D/E 0, 7.3% FCF yield, ROIC 248% (holdco math), ROE 18.1%.
  • Q2 print $0.81 EPS vs $0.75 (+7.4%); Q1 was a big miss (-214%) on catastrophe timing — noisy quarterly EPS.
  • FY26 est EPS $134 vs current $34 Q4 est — annual figures are the read, not quarterly.
  • Stephen Klar elected to board 8/26; board expanded to 11 members.
  • Ratings upgrade to Buy referenced.
  • Float only 2.37M shares — moves are lumpy; volume 43% of average.
  • No live X sentiment sample.

Watch 11/5 print for BAM/Ark tangible-book progression and any capital-deployment (buyback) commentary.

What to watch: 11/5 earnings, BAM/Ark tangible book value trajectory, catastrophe-loss exposure, and any share-buyback announcements.

On the calendar: 2026-11-05

sentiment missing

Read the AI verdict on $WTM

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
Free, forever. No credit card.

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

Hard P&C pricing and rising investment income from higher bond yields are the dual tailwinds — combined ratios improving while float returns hit post-GFC highs. Life/annuity divisions benefit from above-normal fixed-income yields attracting risk-averse retirement savers; casualty reserve releases are increasingly scrutinized as social inflation raises long-tail claims.

What this means for $WTM

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

Top industry ETF

$KIESPDR S&P Insurance ETF
-1.2%YTD
+0.9%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$3.27$3.79-13.8%
Q3 2025Nov 6, 2025$44.19$57.00-22.5%
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

3-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
FY28$9.1B$9.1B – $9.1B$135.00$135.00 – $135.001

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.54%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.-4.5%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.-5.3%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.

+ 11 other (10 awards · 1 gift) 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
Free, forever. No credit card.

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

3New insider — initial holdingsAug 273
AI summary

Stephen Klar filed a Form 3 as a new director of White Mountains Insurance Group, Ltd., reporting beneficial ownership of 0 shares directly as of August 26, 2026. This is a routine initial ownership report filed upon becoming a director, with no immediate economic significance.

8-KOfficer or director changeAug 278-K — Item 5.02: Officer or director change
AI summary

White Mountains Insurance Group's board elected Stephen Klar as a new director on August 26, 2026, expanding the board from 10 to 11 members. Klar will hold office until the next annual meeting and will receive standard non-employee director compensation (prorated cash and equity retainer). There are no arrangements or related-party interests disclosed. This is a routine board expansion appointment with no strategic implications.

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
+ 10 other (2 13Fs · 2 10-Qs · 2 earnings 8-Ks · 2 13Gs) in window

Recent news

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

721 Shares in White Mountains Insurance Group, Ltd. $WTM Acquired by Public Employees Retirement System of Ohiodefenseworld.net·22d agoAll You Need to Know About White Mountains (WTM) Rating Upgrade to Buyzacks.com·25d agoDeutsche Bank AG Invests $885,000 in White Mountains Insurance Group, Ltd. $WTMdefenseworld.net·29d agoStephen Klar Elected to the White Mountains Boardprnewswire.com·34d agoWHITE MOUNTAINS REPORTS SECOND QUARTER RESULTSprnewswire.com·55d ago

More in Insurance - Diversified

Peers in the same group — one click to compare setups, fundamentals, and chatter.

$BRK-B$BRK.TO
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.

PrivacyTermsSupport