COF vs WTM
Capital One vs White Mountains Insurance Group, Ltd. — AI-powered side-by-side comparison
VS
WTM
White Mountains Insurance Group, Ltd.
65
Buy
| Metric | COF | WTM |
|---|
| AI Score |
73
|
65
|
| Price |
$219.04
|
$2,113.06
|
| P/E Ratio |
13.56×
|
4.81×
|
| ROE |
2.2%
|
20.4%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
66.2%
|
61.5%
|
| Debt / Equity |
0.40×
|
0.17×
|
| Dividend Yield |
1.4%
|
0.0%
|
| RSI (14) |
64.0
|
41.2
|
| Beta |
1.016
|
0.293
|
| Expected Upside |
+4.2%
|
—
|
AI Committee View
Current Innellis committee reasoning for COF versus WTM.
COF leads by 8 points.
COF scores 73/100 (Buy) versus WTM at 65/100 (Buy).
COF Committee View
80% agreement
5 analysts
The primary driver is revenue growing 38.2% yoy -- genuine top-line momentum. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull Case
- P/E of 12.8 is inexpensive for the broad market — Value
- Price-to-book of 1.4x is a discount to asset value — Value
- Revenue growing 38.2% YoY -- genuine top-line momentum — Growth
Bear Case
- Risk/reward is unfavorable: 7.0% downside vs 4.2% upside.
WTM Committee View
50% agreement
6 analysts
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull Case
- P/E of 5.1 is inexpensive for the broad market — Value
- Price-to-book of 0.9x is a discount to asset value — Value
- ROE of 20.6% shows genuine earnings power backing the valuation — Value
Bear Case
- MACD histogram negative -- bearish momentum — Technical
- Current ratio of 0.02 is tight -- limited short-term liquidity cushion — Risk