WTM · NYSE · STOCK
White Mountains Insurance Group, Ltd.
$2,113.06
52W $1648.00 – $2333.00
65/100
$5.23B
4.8
0.29
Is WTM Bullish or Bearish?
Bullish.
Innellis AI committee rates White Mountains Insurance Group, Ltd. (WTM) Buy with a composite score of 65/100
, based on 6 analysts with 50% agreement.
Last updated August 11, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +9.65 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 — -10.35 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 split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
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
- EPS growing 3654.0% YoY — Growth
- Low leverage (debt-to-equity 0.15) -- balance sheet can absorb a shock — Risk
- VIX regime is low -- calm backdrop supports risk-taking — Macro
Bear Case
- MACD histogram negative -- bearish momentum — Technical
- Current ratio of 0.02 is tight -- limited short-term liquidity cushion — Risk
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 August 11, 2026
Overall Committee Score
65/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 39%
of 209 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 5.1 is inexpensive for the broad market
Growth Analyst
bullish
75
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ EPS growing 3654.0% YoY
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
neutral
58
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
+ 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
78
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 2 existing position pair(s) are highly correlated already
Technical Analysis
RSI (14)
41.2
Neutral
MACD Histogram
-7.750
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Lh Ll
Support
$2010.88
Resistance
$2127.97
Bollinger %B
0.24
Inside Bands
Price vs Moving Averages
EMA 9
$2,128.70
Below
EMA 21
$2,137.60
Below
EMA 50
$2,133.02
Below
EMA 200
$2,085.82
Above
Fundamental Analysis
Valuation
100
Profitability
97
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
4.8×
P/B Ratio
0.94×
PEG Ratio
0.01
Dividend Yield
0.05%
52W High
$2333.00
52W Low
$1648.00
Quality & Growth
ROE
2039.3%
ROA
899.0%
Gross Margin
6147.9%
Operating Margin
4749.9%
Revenue Growth YoY
—
Debt / Equity
0.17
AI Fundamental Assessment
[reduced confidence: limited earnings history] P/E ratio of 4.8 (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 41.1%; Gross margin of 61.5%; Current ratio of 0.00 (tight short-term liquidity); Debt-to-equity of 0.17; Free cash flow per share is positive (176.52); Earnings-history trend unavailable; growth based on TTM year-over-year only.
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