WTM · NYSE · STOCK
White Mountains Insurance Group (WTM) Stock Analysis
$2,062.26
52W $1830.13 – $2333.00
62/100
$5.10B
4.7
0.28
Is WTM Bullish or Bearish?
Bullish.
Innellis AI committee rates White Mountains Insurance Group, Ltd. (WTM) Buy with a composite score of 62/100
, based on 6 analysts with 83% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +13.19 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -6.81 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Value Analyst sees a compelling case — p/e of 4.4 is inexpensive for the broad market. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 4.4 is inexpensive for the broad market — Value
- Price-to-book of 0.9x is a discount to asset value — Value
- ROE of 21.2% shows genuine earnings power backing the valuation — Value
- EPS growing 450.4% YoY — Growth
- MACD histogram positive -- bullish momentum — Technical
- Low leverage (debt-to-equity 0.15) -- balance sheet can absorb a shock — Risk
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- Price structure making lower highs and lower lows — Technical
- Daily trend (downtrend) conflicts with the weekly trend (uptrend) -- fighting the larger trend — Technical
- Current ratio of 0.02 is tight -- limited short-term liquidity cushion — Risk
- No news coverage in the last 14 days -- limited independent confirmation either way — News
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
62/100
Agreement
83%
Analysts
6
Conviction
High
Sector Rank
Top 37%
of 211 Financial Services peers
Value Analyst
bullish
76
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 4.4 is inexpensive for the broad market
Growth Analyst
bullish
62
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 450.4% YoY
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
46
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
− Price structure making lower highs and lower lows
Risk Analyst
bullish
62
/ 100 · Moderate confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.15) -- balance sheet can absorb a shock
− Current ratio of 0.02 is tight -- limited short-term liquidity cushion
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
60
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
− No news coverage in the last 14 days -- limited independent confirmation either way
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 61.8 to 61.8.
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
65.3
Neutral
MACD Histogram
6.505
Bullish Momentum
Trend Direction
Downtrend
Weekly: Uptrend
Market Structure
Mixed
Support
$2010.88
Resistance
$2127.97
Bollinger %B
0.81
Inside Bands
Price vs Moving Averages
EMA 9
$2,040.23
Above
EMA 21
$2,046.65
Above
EMA 50
$2,072.94
Below
EMA 200
$2,080.90
Below
Fundamental Analysis
Valuation
100
Growth
68
Profitability
97
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
4.7×
P/B Ratio
0.92×
PEG Ratio
0.01
Dividend Yield
0.05%
52W High
$2333.00
52W Low
$1830.13
Quality & Growth
ROE
2039.3%
ROA
899.0%
Gross Margin
6517.2%
Operating Margin
4679.1%
Revenue Growth YoY
—
Debt / Equity
0.17
AI Fundamental Assessment
P/E ratio of 4.7 (inexpensive relative to a 15-40x range); Price-to-book of 0.9x; PEG ratio of 0.0 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 20.4%; Return on assets of 9.0%; Net margin of 39.9%; Gross margin of 65.2%; Current ratio of 0.00 (tight short-term liquidity); Debt-to-equity of 0.17; Free cash flow per share is positive (176.52); Most recent quarter beat estimates by 6.4%; EPS growth decelerating (+262.0% -> +68.8% QoQ); Average YoY EPS growth of 68.8%; Analyst estimates rising over recent quarters
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