White Mountains Insurance Group Ltd. (WTM)

From the record

White Mountains Insurance Group Ltd.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

White Mountains Insurance Group Ltd.'s 10 filed years say what it did: revenue went from $158 million in fiscal 2016 to $3.7 billion in fiscal 2025, up 42.1% a year; it rose in 7 of 9 years; the deepest fall was 31% from fiscal 2020 to fiscal 2021; net income was positive in 8 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, White Mountains Insurance Group Ltd.'s diluted share count shrank about 3.6% a year, and dividends and buybacks returned about 16% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 4 sales and 0 purchases of their own stock on the open market in the year to 2026-11-05 (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, White Mountains Insurance Group Ltd. earned about 22 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 29 cents per dollar of everything the company owns (revenue less the cost of revenue). Leverage: it owed about 56 cents per dollar of assets, and net share issuance: its share count grew 0.1% over the year (the filed statements).

From the record

White Mountains Insurance Group Ltd.'s standing among 60 graded names in its industry family: revenue of $3.7 billion in fiscal 2025 ranks in the top 37% by size; a net margin of 32.2% ranks in the top 9%; revenue growth of 47.7% a year over the last 3 filed years ranks in the top 6% (its annual reports).

From the record

White Mountains Insurance Group Ltd.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Caffrey, Liam P (Chief Executive Officer, as filed), filing under that title since 2026-01-02, 10 months (bottom 14% of its family); the 16 officers and directors filing in the last fifteen months have been on the record a median of 5.5 years (bottom 26%); 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 16 people in charge now (top 39%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

White Mountains Insurance Group Ltd.'s room to grow, from the newest filed statements (fiscal 2025): cash of $186 million against debt of $837 million leaves -5.3% of its assets as net cash, bottom 16% of its family; cash from operations less capital spending is 14.7% of revenue (bottom 43%); a gross margin of 95.9% (top 50%) (its annual report).

From the record

White Mountains Insurance Group Ltd.'s growth drivers, from the filed years to fiscal 2025: revenue grew 47.7% a year over the last three filed years against 42.1% over all 10, speeding up (top 29% of its family); the newest year grew 66.8% (top 3%) (its annual reports). White Mountains Insurance Group Ltd. reported 5 lines of business in fiscal 2025: Ark Insurance Holdings Limited WM Outrigger Re at $1.9 billion, Bamboo Insurance Services LLC at $246 million, Kudu Investment Management LLC at $183 million, and 2 more. 5 of 5 grew in the latest filed year, and the largest line is 78% of revenue (its annual report).

From the record

White Mountains Insurance Group Ltd.'s newest year against its own record: revenue of $3.7 billion in fiscal 2025 came in 19.9% above the $3.1 billion its prior three years' pace pointed to (top 10% of its family); net income of $1.2 billion against a prior three-year average of $526 million (top 37%); a net margin of 32.2% against 33.7% before (bottom 19%) (its annual reports).