White Mountains Insurance Net Income
| WTM Stock | USD 2,221 2.46 0.11% |
As of the 2nd of March, White Mountains maintains the Downside Deviation of 1.08, mean deviation of 0.7729, and Market Risk Adjusted Performance of 0.4418. Relative to fundamental indicators, the technical analysis model lets you check existing technical drivers of White Mountains Insurance, as well as the relationship between them. Please check out White Mountains Insurance coefficient of variation, maximum drawdown, as well as the relationship between the Maximum Drawdown and skewness to decide if White Mountains Insurance is priced fairly, providing market reflects its latest price of 2220.51 per share. Given that White Mountains Insurance has jensen alpha of 0.1257, we strongly advise you to confirm White Mountains Insurance's prevalent market performance to make sure the company can sustain itself at a future point.
White Mountains Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 1.6488 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 1.1 B | 1.2 B | |
| Net Income Applicable To Common Shares | 261.5 M | 382.1 M | |
| Net Income From Continuing Ops | 255.7 M | 268.5 M | |
| Net Income Per Share | 433.17 | 454.83 | |
| Net Income Per E B T | 0.83 | 0.79 |
White | Net Income | Build AI portfolio with White Stock |
Evaluating White Mountains's Net Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into White Mountains Insurance's fundamental strength.
Latest White Mountains' Net Income Growth Pattern
Below is the plot of the Net Income of White Mountains Insurance over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in White Mountains Insurance financial statement analysis. It represents the amount of money remaining after all of White Mountains Insurance operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is White Mountains' Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in White Mountains' overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 1.11 B | 10 Years Trend |
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Net Income |
| Timeline |
White Net Income Regression Statistics
| Arithmetic Mean | 435,024,706 | |
| Coefficient Of Variation | 91.68 | |
| Mean Deviation | 309,264,360 | |
| Median | 401,800,000 | |
| Standard Deviation | 398,814,241 | |
| Sample Variance | 159052.8T | |
| Range | 1.4B | |
| R-Value | 0.43 | |
| Mean Square Error | 138938.9T | |
| R-Squared | 0.18 | |
| Significance | 0.09 | |
| Slope | 33,605,294 | |
| Total Sum of Squares | 2544844.8T |
White Net Income History
Other Fundumenentals of White Mountains Insurance
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
White Mountains Net Income component correlations
White Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for White Mountains is extremely important. It helps to project a fair market value of White Stock properly, considering its historical fundamentals such as Net Income. Since White Mountains' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of White Mountains' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of White Mountains' interrelated accounts and indicators.
Click cells to compare fundamentals
Will Property & Casualty Insurance sector continue expanding? Could White diversify its offerings? Factors like these will boost the valuation of White Mountains. Anticipated expansion of White directly elevates investor willingness to pay premium valuations. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every White Mountains data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.37) | Dividend Share 1 | Earnings Share 430.11 | Revenue Per Share | Quarterly Revenue Growth 1.108 |
The market value of White Mountains Insurance is measured differently than its book value, which is the value of White that is recorded on the company's balance sheet. Investors also form their own opinion of White Mountains' value that differs from its market value or its book value, called intrinsic value, which is White Mountains' true underlying value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Because White Mountains' market value can be influenced by many factors that don't directly affect White Mountains' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between White Mountains' value and its price as these two are different measures arrived at by different means. Investors typically determine if White Mountains is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, White Mountains' quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
White Mountains 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to White Mountains' stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of White Mountains.
| 12/02/2025 |
| 03/02/2026 |
If you would invest 0.00 in White Mountains on December 2, 2025 and sell it all today you would earn a total of 0.00 from holding White Mountains Insurance or generate 0.0% return on investment in White Mountains over 90 days. White Mountains is related to or competes with Progressive Corp, Chubb, W R, and W R. White Mountains Insurance Group, Ltd., through its subsidiaries, provides insurance and other financial services in the ... More
White Mountains Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure White Mountains' stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess White Mountains Insurance upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.08 | |||
| Information Ratio | 0.0698 | |||
| Maximum Drawdown | 6.69 | |||
| Value At Risk | (1.29) | |||
| Potential Upside | 1.94 |
White Mountains Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for White Mountains' investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as White Mountains' standard deviation. In reality, there are many statistical measures that can use White Mountains historical prices to predict the future White Mountains' volatility.| Risk Adjusted Performance | 0.121 | |||
| Jensen Alpha | 0.1257 | |||
| Total Risk Alpha | 0.0432 | |||
| Sortino Ratio | 0.0685 | |||
| Treynor Ratio | 0.4318 |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of White Mountains' price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
White Mountains March 2, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.121 | |||
| Market Risk Adjusted Performance | 0.4418 | |||
| Mean Deviation | 0.7729 | |||
| Semi Deviation | 0.8794 | |||
| Downside Deviation | 1.08 | |||
| Coefficient Of Variation | 647.85 | |||
| Standard Deviation | 1.06 | |||
| Variance | 1.13 | |||
| Information Ratio | 0.0698 | |||
| Jensen Alpha | 0.1257 | |||
| Total Risk Alpha | 0.0432 | |||
| Sortino Ratio | 0.0685 | |||
| Treynor Ratio | 0.4318 | |||
| Maximum Drawdown | 6.69 | |||
| Value At Risk | (1.29) | |||
| Potential Upside | 1.94 | |||
| Downside Variance | 1.18 | |||
| Semi Variance | 0.7733 | |||
| Expected Short fall | (0.86) | |||
| Skewness | (0.63) | |||
| Kurtosis | 2.59 |
White Mountains Insurance Backtested Returns
As of now, White Stock is very steady. White Mountains Insurance shows Sharpe Ratio of 0.14, which attests that the company had a 0.14 % return per unit of risk over the last 3 months. We have found thirty technical indicators for White Mountains Insurance, which you can use to evaluate the volatility of the company. Please check out White Mountains' Downside Deviation of 1.08, market risk adjusted performance of 0.4418, and Mean Deviation of 0.7729 to validate if the risk estimate we provide is consistent with the expected return of 0.16%. White Mountains has a performance score of 11 on a scale of 0 to 100. The firm maintains a market beta of 0.36, which attests to possible diversification benefits within a given portfolio. As returns on the market increase, White Mountains' returns are expected to increase less than the market. However, during the bear market, the loss of holding White Mountains is expected to be smaller as well. White Mountains Insurance right now maintains a risk of 1.1%. Please check out White Mountains Insurance maximum drawdown, as well as the relationship between the skewness and day typical price , to decide if White Mountains Insurance will be following its historical returns.
Auto-correlation | 0.52 |
Modest predictability
White Mountains Insurance has modest predictability. Overlapping area represents the amount of predictability between White Mountains time series from 2nd of December 2025 to 16th of January 2026 and 16th of January 2026 to 2nd of March 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of White Mountains Insurance price movement. The serial correlation of 0.52 indicates that about 52.0% of current White Mountains price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.52 | |
| Spearman Rank Test | 0.58 | |
| Residual Average | 0.0 | |
| Price Variance | 5116.94 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
White Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, White Mountains Insurance reported net income of 1.11 B. This is 13.39% lower than that of the Insurance sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 93.77% lower than that of the firm.
White Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses White Mountains' direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of White Mountains could also be used in its relative valuation, which is a method of valuing White Mountains by comparing valuation metrics of similar companies.White Mountains is currently under evaluation in net income category among its peers.
White Mountains ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, White Mountains' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to White Mountains' managers, analysts, and investors.Environmental | Governance | Social |
White Mountains Institutional Holders
Institutional Holdings refers to the ownership stake in White Mountains that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of White Mountains' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing White Mountains' value.| Shares | London Company Of Virginia | 2025-12-31 | 58.7 K | State Street Corp | 2025-09-30 | 54.4 K | T. Rowe Price Investment Management,inc. | 2025-09-30 | 47.8 K | Reinhart Mahoney Capital Management Inc | 2025-12-31 | 44 K | Geode Capital Management, Llc | 2025-09-30 | 42.1 K | Bank Of America Corp | 2025-09-30 | 38.8 K | Lord, Abbett & Co Llc | 2025-12-31 | 33.8 K | Gendell Jeffrey L | 2025-12-31 | 32.5 K | Norges Bank | 2025-12-31 | 32.2 K | Vanguard Group Inc | 2025-12-31 | 235.7 K | Dimensional Fund Advisors, Inc. | 2025-12-31 | 156.6 K |
White Fundamentals
| Return On Equity | 0.21 | ||||
| Return On Asset | 0.0411 | ||||
| Profit Margin | 0.38 % | ||||
| Operating Margin | 0.23 % | ||||
| Current Valuation | 6.16 B | ||||
| Shares Outstanding | 2.48 M | ||||
| Shares Owned By Insiders | 4.40 % | ||||
| Shares Owned By Institutions | 94.40 % | ||||
| Number Of Shares Shorted | 69.43 K | ||||
| Price To Earning | 6.14 X | ||||
| Price To Book | 1.01 X | ||||
| Price To Sales | 1.91 X | ||||
| Revenue | 2.71 B | ||||
| Gross Profit | 1.49 B | ||||
| EBITDA | 1.41 B | ||||
| Net Income | 1.11 B | ||||
| Cash And Equivalents | 623 M | ||||
| Cash Per Share | 217.18 X | ||||
| Total Debt | 837 M | ||||
| Debt To Equity | 0.18 % | ||||
| Current Ratio | 1.95 X | ||||
| Book Value Per Share | 2,217 X | ||||
| Cash Flow From Operations | (7.2 M) | ||||
| Short Ratio | 4.17 X | ||||
| Earnings Per Share | 430.11 X | ||||
| Price To Earnings To Growth | 9.93 X | ||||
| Target Price | 360.0 | ||||
| Number Of Employees | 893 | ||||
| Beta | 0.33 | ||||
| Market Capitalization | 5.51 B | ||||
| Total Asset | 12.31 B | ||||
| Retained Earnings | 4.85 B | ||||
| Working Capital | (1000 M) | ||||
| Current Asset | 1.23 B | ||||
| Current Liabilities | 2.23 B | ||||
| Annual Yield | 0.0005 % | ||||
| Five Year Return | 0.10 % | ||||
| Net Asset | 12.31 B | ||||
| Last Dividend Paid | 1.0 |
About White Mountains Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze White Mountains Insurance's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of White Mountains using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of White Mountains Insurance based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Will Property & Casualty Insurance sector continue expanding? Could White diversify its offerings? Factors like these will boost the valuation of White Mountains. Anticipated expansion of White directly elevates investor willingness to pay premium valuations. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every White Mountains data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.37) | Dividend Share 1 | Earnings Share 430.11 | Revenue Per Share | Quarterly Revenue Growth 1.108 |
The market value of White Mountains Insurance is measured differently than its book value, which is the value of White that is recorded on the company's balance sheet. Investors also form their own opinion of White Mountains' value that differs from its market value or its book value, called intrinsic value, which is White Mountains' true underlying value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Because White Mountains' market value can be influenced by many factors that don't directly affect White Mountains' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between White Mountains' value and its price as these two are different measures arrived at by different means. Investors typically determine if White Mountains is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, White Mountains' quoted price indicates the marketplace figure where supply meets demand through bilateral consent.