WTM PEER ANALYSIS

White Mountains Insurance Group Ltd — metric-by-metric comparison with peers and the industry median

WTMWhite Mountains Insurance Group Ltd

🇺🇸 USA · NYSE · Financial Services · Insurance - Property & Casualty

Value it Duel

Overall Profile & Returns

· Insurance - Property & Casualty

Position Within Industry

0 = weak quartile, 100 = strong quartile

WTMIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	WTM	DFY	GJF	SUN	IAG	QBE	Ind. Median
P/E	5.40●	24.19	—	20.19	18.79	12.25	12.74
P/B	1.03●	2.32	6.22	1.98	2.80	2.26	2.06
EV/EBITDA	2.68●	14.51	—	10.47	11.35	8.40	7.43
P/S	—	—	—	—	—	—	—

Financial Health
Metric	WTM	DFY	GJF	SUN	IAG	QBE	Ind. Median
Current Ratio	1.02	1.25●	—	—	—	—	0.89
Debt/Equity	15.5%●	43.4%	—	30.6%	49.8%	35.2%	27.1%
NetDebt/EBITDA	-1.50●	1.65	—	0.99	1.48	0.66	-0.70

Profitability
Metric	WTM	DFY	GJF	SUN	IAG	QBE	Ind. Median
Net Margin	39.4%●	6.9%	—	5.6%	6.9%	8.9%	10.8%
ROE	21.1%●	10.5%	—	8.0%	15.2%	19.9%	18.0%
ROA	8.6%●	3.7%	—	3.1%	4.1%	4.8%	4.4%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	WTM	DFY	GJF	SUN	IAG	QBE	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	3,632.6%●	-6.5%	—	—	-14.4%	25.5%	42.9%
Div. Yield	0.1%	1.0%	3.7%	3.0%	3.8%●	2.9%	1.9%
Payout	0.5%	23.9%	—	135.2%	83.6%	37.4%	33.8%

Valuation
Metric	WTM	LMND	RLI	SIGI	MCY	THG	Ind. Median
P/E	5.40●	—	14.42	13.09	7.33	11.08	12.74
P/B	1.03●	11.59	3.17	1.66	2.38	2.24	2.06
EV/EBITDA	2.68●	—	7.99	6.91	4.31	7.09	7.43
P/S	—	—	—	—	—	—	—

Financial Health
Metric	WTM	LMND	RLI	SIGI	MCY	THG	Ind. Median
Current Ratio	1.02	1.06	0.75	1.35	0.44	41.90●	0.89
Debt/Equity	15.5%●	38.7%	19.3%	25.1%	22.7%	23.6%	27.1%
NetDebt/EBITDA	-1.50	3.13	-3.11●	-0.12	-1.05	-1.23	-0.70

Profitability
Metric	WTM	LMND	RLI	SIGI	MCY	THG	Ind. Median
Net Margin	39.4%●	-16.9%	20.8%	8.4%	13.7%	10.8%	10.8%
ROE	21.1%	-26.1%	23.2%	13.3%	38.1%●	21.8%	18.0%
ROA	8.6%	-7.3%	6.5%	3.2%	8.9%●	4.5%	4.4%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	WTM	LMND	RLI	SIGI	MCY	THG	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	3,632.6%●	—	40.5%	93.8%	193.5%	64.4%	42.9%
Div. Yield	0.1%	—	1.1%	1.7%	1.2%	1.7%●	1.9%
Payout	0.5%	—	61.4%	23.0%	8.4%	18.3%	33.8%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.