White Mountains Insurance Group Ltd - Understand $wtm stock

$WTM Market Cap: $5.109 Billion

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$2.619B

TTM

Gross Margin

98.72%

TTM

Net Earnings

$643.2M

TTM

Current Assets

Current Liabilities

$84.10M

Q3 2024

Current Ratio

Total Assets

$10.34B

Q3 2024

Total Liabilities

$5.078B

Q3 2024

Book Value

$5.260B

Q3 2024

Cash

$346.0M

Q3 2024

P/E

7.943

Nov 29, 2024 EST

Free Cash Flow

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984
Revenue	$2.167B	$1.158B	$944.8M	$1.181B	$893.4M	$369.1M	$373.8M	$157.7M	$440.0M	$1.411B	$1.362B	$2.436B	$2.173B	$2.334B	$3.443B	$2.945B	$4.734B	$4.794B	$4.632B	$4.555B	$3.794B	$4.208B	$3.234B	$850.9M	$579.2M	$390.3M	$293.4M	$325.2M	$222.3M	$228.5M	$251.0M	$214.1M	$232.0M	$275.0M	$256.0M	$187.0M	$4.436B	$3.881B	$3.350B	$3.259B
YoY Change	87.12%	22.56%	-19.98%	32.16%	142.05%	-1.26%	137.03%	-64.16%	-68.82%	3.64%	-44.1%	12.08%	-6.88%	-32.22%	16.9%	-37.78%	-1.26%	3.5%	1.68%	20.07%	-9.84%	30.1%	280.12%	46.91%	48.4%	33.03%	-9.78%	46.29%	-2.71%	-8.96%	17.23%	-7.72%	-15.64%	7.42%	36.9%	-95.78%	14.3%	15.85%	2.79%	2.97%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984
Revenue	$2.167B	$1.158B	$944.8M	$1.181B	$893.4M	$369.1M	$373.8M	$157.7M	$440.0M	$1.411B	$1.362B	$2.436B	$2.173B	$2.334B	$3.443B	$2.945B	$4.734B	$4.794B	$4.632B	$4.555B	$3.794B	$4.208B	$3.234B	$850.9M	$579.2M	$390.3M	$293.4M	$325.2M	$222.3M	$228.5M	$251.0M	$214.1M	$232.0M	$275.0M	$256.0M	$187.0M	$4.436B	$3.881B	$3.350B	$3.259B
Cost Of Revenue	$40.40M	$98.60M	$69.30M	$11.30M	$48.10M	$248.7M	$139.4M	$102.0M	$93.60M	$824.0M	$622.1M	$1.194B	$1.174B	$1.217B
Gross Profit	$2.126B	$1.059B	$875.5M	$1.169B	$845.3M	$120.4M	$234.4M	$55.70M	$346.4M	$587.1M	$739.5M	$1.242B	$998.8M	$1.117B
Gross Profit Margin	98.14%	91.48%	92.67%	99.04%	94.62%	32.62%	62.71%	35.32%	78.73%	41.61%	54.31%	50.98%	45.96%	47.87%

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984
Selling, General & Admin	$473.0M	$474.8M	$632.4M	$467.6M	$438.7M	$513.3M	$347.4M	$277.5M	$285.7M	$216.5M	$149.1M	$182.2M	$175.3M	$155.0M	$185.2M	$217.2M	$196.8M	$218.3M	$148.8M	$301.0M	$201.8M	$92.70M	$40.20M	$87.90M	$87.30M	$67.40M	$61.20M	$156.2M	$171.9M	$146.9M	$131.0M	$114.1M	$99.00M	$92.00M	$73.00M	$65.00M	$999.0M	$926.0M	$792.0M	$808.0M
YoY Change	-0.38%	-24.92%	35.24%	6.59%	-14.53%	47.75%	25.19%	-2.87%	31.96%	45.2%	-18.17%	3.94%	13.1%	-16.31%	-14.73%	10.37%	-9.85%	46.71%	-50.56%	49.16%	117.69%	130.6%	-54.27%	0.69%	29.53%	10.13%	-60.82%	-9.13%	17.02%	12.14%	14.81%	15.25%	7.61%	26.03%	12.31%	-93.49%	7.88%	16.92%	-1.98%	-10.72%
% of Gross Profit	22.25%	44.82%	72.23%	39.99%	51.9%	426.33%	148.21%	498.2%	82.48%	36.88%	20.16%	14.67%	17.55%	13.88%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$290.1M	$4.300M	$63.60M	$43.40M	$29.80M	$25.70M	$22.40M	$20.40M	$3.800M	$35.30M	$28.60M	$50.80M	-$14.50M	$57.90M	$25.40M							$68.40M	$58.30M					$86.30M	$86.60M	$99.20M	$142.3M	$155.1M	$91.00M	$76.00M	$64.00M	$53.00M
YoY Change	6646.51%	-93.24%	46.54%	45.64%	15.95%	14.73%	9.8%	436.84%	-89.24%	23.43%	-43.7%	-450.34%	-125.04%	127.95%								17.32%						-0.35%	-12.7%	-30.29%	-8.25%	70.44%	19.74%	18.75%	20.75%
% of Gross Profit	13.64%	0.41%	7.26%	3.71%	3.53%	21.35%	9.56%	36.62%	1.1%	6.01%	3.87%	4.09%	-1.45%	5.18%
Operating Expenses	$1.539B	$1.267B	$1.174B	$503.3M	$466.6M	$537.8M	$363.7M	$302.0M	$309.2M	$1.426B	$1.187B	$2.128B	$2.020B	$2.087B	$2.575B	$3.968B	$3.910B	$3.956B	$4.230B	$4.200B	$3.351B	$4.017B	$3.557B	$476.7M	$403.0M	$297.0M	$181.5M	$257.3M	$180.1M	$146.9M	$131.0M	$114.1M	$103.0M	$99.00M	$80.00M	$71.00M	$4.088B	$3.557B	$3.547B	$3.453B
YoY Change	21.44%	7.89%	133.32%	7.87%	-13.24%	47.87%	20.43%	-2.33%	-78.32%	20.18%	-44.23%	5.36%	-3.22%	-18.96%	-35.1%	1.49%	-1.15%	-6.48%	0.7%	25.36%	-16.58%	12.91%	646.26%	18.29%	35.69%	63.64%	-29.46%	42.87%	22.6%	12.14%	14.81%	10.78%	4.04%	23.75%	12.68%	-98.26%	14.93%	0.28%	2.72%	-0.14%
Operating Profit	$587.7M	-$207.7M	-$298.8M	$666.1M	$378.7M	-$417.4M	-$129.3M	-$246.3M	$37.20M	-$839.2M	-$447.3M	-$886.3M	-$1.021B	-$970.0M
YoY Change	-382.96%	-30.49%	-144.86%	75.89%	-190.73%	222.82%	-47.5%	-762.1%	-104.43%	87.61%	-49.53%	-13.2%	5.27%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984
Interest Expense	$62.70M	-$40.30M	-$43.80M	-$26.20M	-$19.70M	-$9.500M	-$2.300M	-$3.000M	-$1.600M	-$14.20M	-$16.20M	-$44.80M	-$55.20M	-$57.30M	-$70.80M	-$115.5M	-$138.4M	-$108.7M	-$96.90M	-$96.70M	-$70.90M	-$71.80M	-$45.70M	-$16.10M	-$14.70M	-$13.70M	-$10.60M	-$7.800M	-$7.000M	-$40.00M	$20.90M	-$12.20M	$55.00M	$25.00M	-$94.00M	-$70.00M	-$94.00M	-$47.00M	$1.000M	$2.000M
YoY Change	-255.58%	-7.99%	67.18%	32.99%	107.37%	313.04%	-23.33%	87.5%	-88.73%	-12.35%	-63.84%	-18.84%	-3.66%	-19.07%	-38.7%	-16.55%	27.32%	12.18%	0.21%	36.39%	-1.25%	57.11%	183.85%	9.52%	7.3%	29.25%	35.9%	11.43%	-82.5%	-291.39%	-271.31%	-122.18%	120.0%	-126.6%	34.29%	-25.53%	100.0%	-4800.0%	-50.0%	-90.48%
% of Operating Profit	10.67%			-3.93%	-5.2%				-4.3%
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984
Pretax Income	$565.4M	-$149.4M	-$302.0M	$645.2M	$405.1M	-$178.2M	$7.800M	-$147.3M	$129.2M	-$29.40M	$158.6M	$262.8M	$98.00M	$189.3M	$797.2M	-$1.138B	$685.2M	$729.8M	$305.2M	$258.4M	$372.3M	$119.4M	-$427.5M	$358.1M	$161.5M	$79.60M	$101.3M	$27.50M	$35.20M	$41.60M	$140.9M	$87.80M	$184.0M	$201.0M	$82.00M	$46.00M	$254.0M	$277.0M	-$196.0M	-$192.0M
YoY Change	-478.45%	-50.53%	-146.81%	59.27%	-327.33%	-2384.62%	-105.3%	-214.01%	-539.46%	-118.54%	-39.65%	168.16%	-48.23%	-76.25%	-170.03%	-266.14%	-6.11%	139.12%	18.11%	-30.59%	211.81%	-127.93%	-219.38%	121.73%	102.89%	-21.42%	268.36%	-21.88%	-15.38%	-70.48%	60.48%	-52.28%	-8.46%	145.12%	78.26%	-81.89%	-8.3%	-241.33%	2.08%	-29.41%
Income Tax	-$15.50M	$41.40M	$38.60M	-$20.50M	$29.30M	-$4.000M	-$7.800M	-$32.90M	$12.70M	-$14.80M	$32.60M	-$15.70M	-$110.0M	$29.60M	$214.2M	-$498.7M	$210.5M	$98.90M	$36.50M	$47.00M	$127.6M	$11.70M	-$179.2M	$43.10M	$53.10M	$28.50M	$36.40M	$18.90M	$16.70M	$20.50M	$70.50M	$33.60M	$64.10M	$72.00M	$27.00M	$1.000M	-$47.00M	$49.00M	-$152.0M	-$186.0M
% Of Pretax Income	-2.74%			-3.18%	7.23%		-100.0%		9.83%		20.55%	-5.97%	-112.24%	15.64%	26.87%		30.72%	13.55%	11.96%	18.19%	34.27%	9.8%		12.04%	32.88%	35.8%	35.93%	68.73%	47.44%	49.28%	50.04%	38.27%	34.84%	35.82%	32.93%	2.17%	-18.5%	17.69%
Net Earnings	$509.2M	$712.4M	-$321.9M	$663.4M	$376.6M	-$191.4M	$593.1M	$409.0M	$276.7M	$290.0M	$309.1M	$193.4M	$809.4M	$139.5M	$470.0M	-$555.3M	$407.4M	$673.2M	$290.1M	$418.7M	$302.1M	$789.0M	-$236.1M	$407.9M	$121.0M	$78.50M	$39.30M	$8.600M	$84.10M	-$23.20M	$70.40M	$29.20M	$1.314B	$153.0M	$73.00M	$235.0M	$362.0M	$228.0M	-$44.00M	-$6.000M
YoY Change	-28.52%	-321.31%	-148.52%	76.16%	-296.76%	-132.27%	45.01%	47.81%	-4.59%	-6.18%	59.82%	-76.11%	480.22%	-70.32%	-184.64%	-236.3%	-39.48%	132.06%	-30.71%	38.6%	-61.71%	-434.18%	-157.88%	237.11%	54.14%	99.75%	356.98%	-89.77%	-462.5%	-132.95%	141.1%	-97.78%	758.82%	109.59%	-68.94%	-35.08%	58.77%	-618.18%	633.33%	-150.0%
Net Earnings / Revenue	23.5%	61.53%	-34.07%	56.19%	42.15%	-51.86%	158.67%	259.35%	62.89%	20.55%	22.7%	7.94%	37.25%	5.98%	13.65%	-18.85%	8.61%	14.04%	6.26%	9.19%	7.96%	18.75%	-7.3%	47.94%	20.89%	20.11%	13.39%	2.64%	37.83%	-10.15%	28.05%	13.64%	566.38%	55.64%	28.52%	125.67%	8.16%	5.87%	-1.31%	-0.18%
Basic Earnings Per Share	$198.60	$277.00	-$89.46	$227.00	$130.30	-$41.76	$146.10	$80.11	$50.20	$51.13	$51.85	$30.50	$97.44	$10.12
Diluted Earnings Per Share	$198.60	$277.00	-$89.46	$227.00	$130.30	-$41.76	$146.10	$80.06	$50.20	$51.13	$51.85	$30.50	$97.44	$10.12	$53.41M	-$54.44M	$37.72M	$62.33M	$26.86M	$39.88M	$31.14M	$87.67M	-$35.24M	$69.14M	$19.84M	$12.08M	$5.458M	$1.062M	$9.779M	-$2.468M	$6.902M	$2.299M	$68.44M	$3.732M	$1.698M	$4.502M	$5.612M	$3.393M	-$654.8K	-$89.29K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets				$3.000M
YoY Change
Property, Plant & Equipment		$25.20M	$42.20M	$38.00M	$23.00M																									$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$170.0M	$120.0M	$109.0M	$115.0M
YoY Change		-40.28%	11.05%	65.22%																																-100.0%	41.67%	10.09%	-5.22%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$6.389B	$5.170B	$4.265B	$2.939B	$2.947B	$2.543B	$3.381B	$2.714B	$4.271B	$4.157B	$7.514B	$7.666B	$8.543B	$8.333B	$9.577B	$9.120B	$12.06B	$11.67B	$10.35B	$11.00B	$9.063B	$9.299B	$9.317B	$2.233B	$1.641B	$1.682B	$863.0M	$787.0M	$681.0M	$609.0M	$951.0M	$1.037B	$1.195B	$1.753B	$2.843B	$2.564B	$7.335B	$6.734B	$5.737B	$4.586B
YoY Change	23.57%	21.21%	45.13%	-0.27%	15.89%	-24.79%	24.58%	-36.46%	2.74%	-44.68%	-1.98%	-10.27%	2.52%	-12.99%	5.01%	-24.35%	3.32%	12.78%	-5.91%	21.33%	-2.54%	-0.19%	317.24%	36.08%	-2.44%	94.9%	9.66%	15.57%	11.82%	-35.96%	-8.29%	-13.22%	-31.83%	-38.34%	10.88%	-65.04%	8.92%	17.38%	25.1%
Other Assets			$16.10M	$649.0M	$3.000M	$3.000M	$3.000M	$3.606B	$4.897B	$4.769B	$2.448B	$3.046B	$1.123B	$1.841B	$781.0M	$950.0M	$237.0M	$276.0M	$341.0M	$272.0M	$260.0M	$430.0M	$696.0M	$121.0M	$69.00M	$110.0M
YoY Change			-97.52%	21533.33%	0.0%	0.0%	-99.92%	-26.36%	2.68%	94.81%	-19.63%	171.24%	-39.0%	135.72%	-17.79%	300.84%	-14.13%	-19.06%	25.37%	4.62%	-39.53%	-38.22%	475.21%	75.36%	-37.27%
Total Long-Term Assets				$4.828B
YoY Change
Total Assets	$8.386B	$7.389B	$7.001B	$4.831B	$3.983B	$3.363B	$3.659B	$6.520B	$10.28B	$10.46B	$12.14B	$12.90B	$14.06B	$14.53B	$15.44B	$15.90B	$19.08B	$19.44B	$19.42B	$19.02B	$15.88B	$16.03B	$16.61B	$3.545B	$2.049B	$2.164B	$2.010B	$1.981B	$1.872B	$1.807B	$3.305B	$3.129B	$2.964B	$12.43B	$11.92B	$11.35B	$10.52B	$9.178B	$7.986B	$7.119B
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$114.9M	$141.2M	$118.4M	$134.0M	$100.0M	$39.00M	$81.00M	$96.00M	$141.0M	$108.0M	$218.0M	$159.0M	$188.0M	$157.0M	$205.0M	$154.0M	$224.0M	$285.0M	$240.0M
YoY Change	-18.63%	19.26%	-11.64%	34.0%	156.41%	-51.85%	-15.63%	-31.91%	30.56%	-50.46%	37.11%	-15.43%	19.75%	-23.41%	33.12%	-31.25%	-21.4%	18.75%
Deferred Revenue
YoY Change
Short-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$4.000M	$52.00M	$571.0M	$408.0M	$445.0M	$254.0M	$1.537B	$1.513B	$1.013B	$2.372B	$1.291B	$1.054B	$944.0M	$0.00	$250.0M	$0.00
YoY Change																								-100.0%	-92.31%	-90.89%	39.95%	-8.31%	75.2%	-83.47%	1.59%	49.36%	-57.29%	83.73%	22.49%	11.65%		-100.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$114.9M	$141.2M	$118.4M	$134.0M	$100.0M	$73.00M	$113.0M	$109.0M	$141.0M	$109.0M	$239.0M	$170.0M	$223.0M	$179.0M	$216.0M	$396.0M	$932.0M	$1.002B	$958.0M	$624.0M	$1.283B	$495.0M	$311.0M	$152.0M	$157.0M	$274.0M	$853.0M	$688.0M	$641.0M	$499.0M	$1.799B	$1.718B	$1.144B	$2.597B	$1.557B	$1.230B	$1.226B	$415.0M	$539.0M	$164.0M
YoY Change	-18.63%	19.26%	-11.64%	34.0%	36.99%	-35.4%	3.67%	-22.7%	29.36%	-54.39%	40.59%	-23.77%	24.58%	-17.13%	-45.45%	-57.51%	-6.99%	4.59%	53.53%	-51.36%	159.19%	59.16%	104.61%	-3.18%	-42.7%	-67.88%	23.98%	7.33%	28.46%	-72.26%	4.71%	50.17%	-55.95%	66.8%	26.59%	0.33%	195.42%	-23.01%	228.66%
Long-Term Debt	$564.6M	$575.2M	$693.0M	$376.0M	$284.0M	$193.0M	$24.00M	$13.00M	$338.0M	$343.0M	$676.0M	$751.0M	$678.0M	$819.0M	$1.051B	$1.362B	$1.471B	$1.369B	$1.013B	$995.0M	$938.0M	$793.0M	$1.125B	$96.00M	$203.0M	$186.0M	$304.0M	$424.0M	$407.0M	$547.0M	$601.0M	$423.0M	$324.0M	$688.0M	$701.0M	$659.0M	$501.0M	$392.0M	$0.00	$0.00
YoY Change	-1.84%	-17.0%	84.31%	32.39%	47.15%	704.17%	84.62%	-96.15%	-1.46%	-49.26%	-9.99%	10.77%	-17.22%	-22.07%	-22.83%	-7.41%	7.45%	35.14%	1.81%	6.08%	18.28%	-29.51%	1071.88%	-52.71%	9.14%	-38.82%	-28.3%	4.18%	-25.59%	-8.99%	42.08%	30.56%	-52.91%	-1.85%	6.37%	31.54%	27.81%
Other Long-Term Liabilities	$389.2M	$268.8M	$267.7M	$152.0M	$155.0M	$125.0M	$25.00M	$2.600B	$3.298B	$3.384B	$2.296B	$3.121B	$1.404B	$1.919B	$990.0M	$1.141B	$873.0M	$1.061B	$1.054B	$1.701B	$1.175B	$1.285B	$1.854B	$92.00M	$101.0M	$37.00M	$0.00	$73.00M	$35.00M	$0.00	$0.00	$0.00	$0.00	$7.555B	$7.723B	$7.625B	$760.0M	$838.0M	$745.0M	$519.0M
YoY Change	44.79%	0.41%	76.12%	-1.94%	24.0%	400.0%	-99.04%	-21.16%	-2.54%	47.39%	-26.43%	122.29%	-26.84%	93.84%	-13.23%	30.7%	-17.72%	0.66%	-38.04%	44.77%	-8.56%	-30.69%	1915.22%	-8.91%	172.97%		-100.0%	108.57%					-100.0%	-2.18%	1.29%	903.29%	-9.31%	12.48%	43.55%
Total Long-Term Liabilities	$953.8M	$844.0M	$960.7M	$528.0M	$439.0M	$318.0M	$49.00M	$2.613B	$3.636B	$3.727B	$2.972B	$3.872B	$2.082B	$2.738B	$2.041B	$2.503B	$2.344B	$2.430B	$2.067B	$2.696B	$2.113B	$2.078B	$2.979B	$188.0M	$304.0M	$223.0M	$304.0M	$497.0M	$442.0M	$547.0M	$601.0M	$423.0M	$324.0M	$8.243B	$8.424B	$8.284B	$1.261B	$1.230B	$745.0M	$519.0M
YoY Change	13.01%	-12.15%	81.95%	20.27%	38.05%	548.98%	-98.12%	-28.14%	-2.44%	25.4%	-23.24%	85.98%	-23.96%	34.15%	-18.46%	6.78%	-3.54%	17.56%	-23.33%	27.59%	1.68%	-30.25%	1484.57%	-38.16%	36.32%	-26.64%	-38.83%	12.44%	-19.2%	-8.99%	42.08%	30.56%	-96.07%	-2.15%	1.69%	556.94%	2.52%	65.1%	43.55%
Total Liabilities	$4.145B	$3.642B	$3.453B	$925.0M	$722.0M	$520.0M	$167.0M	$2.938B	$6.369B	$6.460B	$8.239B	$9.164B	$9.976B	$10.88B	$11.79B	$13.00B	$14.37B	$14.99B	$15.59B	$15.13B	$12.90B	$13.23B	$15.00B	$2.499B	$1.435B	$1.461B	$1.307B	$1.250B	$1.128B	$1.046B	$2.400B	$2.141B	$1.468B	$10.84B	$9.981B	$9.514B	$9.012B	$7.618B	$6.642B	$5.634B
YoY Change	13.81%	5.5%	273.25%	28.12%	38.85%	211.38%	-94.32%	-53.87%	-1.41%	-21.59%	-10.09%	-8.14%	-8.32%	-7.68%	-9.32%	-9.55%	-4.13%	-3.83%	3.0%	17.27%	-2.44%	-11.8%	500.04%	74.15%	-1.78%	11.78%	4.56%	10.82%	7.84%	-56.42%	12.1%	45.84%	-86.46%	8.61%	4.91%	5.57%	18.3%	14.69%	17.89%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Basic Shares Outstanding	2.527M shares	2.826M shares	3.043M shares	3.081M shares	3.141M shares	3.342M shares	4.240M shares	4.950M shares	5.811M shares	6.026M shares	6.109M shares	6.709M shares	7.812M shares	8.451M shares
Diluted Shares Outstanding	2.527M shares	2.826M shares	3.043M shares	3.081M shares	3.141M shares	3.342M shares	4.240M shares	4.953M shares	5.811M shares	6.026M shares	6.109M shares	6.709M shares	7.812M shares	8.452M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $5.1088 Billion

About WHITE MOUNTAINS INSURANCE GROUP LTD

White Mountains Insurance Group Ltd. engages in the acquisition of businesses and assets in the insurance, financial services, and related sectors. The company is headquartered in Hanover New Hampshire, New Hampshire and currently employs 782 full-time employees. The firm operates through four segments: Ark/WM Outrigger, HG Global/BAM, Kudu and Bamboo. The Ark/WM Outrigger segment is engaged in specialty property and casualty insurance and reinsurance business that offers a range of niche insurance and reinsurance products, including property, specialty, marine and energy, accident and health, and casualty. The HG Global/BAM segment is engaged in the mutual municipal bond insurance business in the United States. The Kudu segment provides capital solutions for boutique asset and wealth managers for a variety of purposes including generational ownership transfers, management buyouts, acquisition and growth finance and legacy partner liquidity. The Bamboo segment includes capital-light, tech- and data-enabled insurance distribution platform, which provides homeowners' insurance and related products to the residential property market in California.

Industry: Fire, Marine & Casualty Insurance Peers: HANOVER INSURANCE GROUP, INC. First American Financial Corp Palomar Holdings, Inc. KEMPER Corp Kinsale Capital Group, Inc. MERCURY GENERAL CORP RLI CORP PROGRESSIVE CORP/OH/ SELECTIVE INSURANCE GROUP INC