차입 증가 → 이자부담 → 수익성 악화
Critical부채가 +31.3% 늘며 이자보상배율이 10.0x에서 8.1x로 하락했다. ROE도 14.8%에서 11.0%로 낮아져 차입 부담이 수익성을 누르고 있다.
Evidence
부채 YoY +31.3%이자보상배율 10.0x→8.1xROE 14.8%→11.0%
White Mountains Insurance Group
WTM · New York Stock Exchange$2103.00-0.41%
2026-09-04 closeWhite Mountains Insurance Group last closed at $2103.00 (-0.41%) on 2026-09-04. Signals today: VCP. Listed on New York Stock Exchange; price, financials and dividends update daily after market close.
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No active signal.
New high + volume — the real recordrecord · not a prediction
Last 30 sessions
277 picks
Next-day win rate
44.2%
Avg next-day
-0.28%
vs market
-0.51%p
Every new-high-plus-volume pick we actually published (US market) — not this stock alone.
Trade plan
Fill entry, stop, account size and risk percent to get a share count. The stop must sit below the entry.
A calculator · not advice or a guarantee
Financials & valuation at a glance
B+
Overall: 보험 27/86 · top 31%
Factor composite · relative position in sector
PER 23.02 · PBR 1.18 — own-history percentile 20/100 · 33/100
Open self-history band
PER20/100
PBR33/100
Factual information · not investment advice
Past reported results · not investment advice
More — deeper indicators
Annual dividend
Split-adjusted annual DPS history and available grade axes
Paid 24 consecutive years · Raised 0 consecutive years · Yield 0.05% (based on 2025 payment of $1.00) · 3-year growth +0.0%
Per-share amount adjusted for splits and capital reductions · Factual information, not investment advice.
Financial safety
Reference indicatorAs of 2024Grey zoneFinancial-metric reference signal
Altman Z'' zoneZ'' 2.49
Distress
Grey
Safe
- Altman Z''
- 2.49
- Beneish M-Score
- —
- Sloan accrual
- -3.59%
Statistical flag unavailable
부실·조작 위험을 나타내는 사실 지표입니다. 투자 조언이 아니며, 검증 전이라 참고용입니다.
Factual information, not investment advice.
Why has this company moved this way?
Auditable observations with the original numeric evidence.
Factual information, not investment advice.
Earnings quality · Piotroski F-Score
3/9Weak
Piotroski measures year-over-year financial improvement, not absolute quality.
Financial improvement score3/9
Profitability
- Positive ROAPass
- Positive OCFPass
- Improving ΔROANot passed
- Accruals (OCF > net income)Pass
Leverage & liquidity
- Lower debtNot passed
- Higher current ratioNot passed
- No new sharesNot passed
Efficiency
- Higher gross marginNot passed
- Higher asset turnoverNot passed
Calculation note: F7(신주)은 equity/asset 유지로 근사
Already-stable companies may score lower when year-over-year improvement is limited.
Factual information, not investment advice.
Connections
AI-extracted related companies · for reference
Customers
AonPrice comovement r=0.43 (1 year)Marsh McLennan
Competitors
Berkshire HathawayPrice comovement r=0.39 (1 year)Markel GroupPrice comovement r=0.50 (1 year)Hannover ReSwiss ReMunich ReAmerican International GroupPrice comovement r=0.47 (1 year)Travelers CompaniesPrice comovement r=0.53 (1 year)ChubbPrice comovement r=0.47 (1 year)Arch Capital GroupPrice comovement r=0.51 (1 year)RenaissanceRePrice comovement r=0.37 (1 year)
Same theme
AlleghanyLloyd's of London
Recent filings
Filings for overseas stocks are on the way. For now we cover Korean stocks only.
About White Mountains Insurance Group
- What technical signals does White Mountains Insurance Group (WTM) have?
- White Mountains Insurance Group current technical signals: no active technical signal.
- Is White Mountains Insurance Group a cup-and-handle pattern?
- No. White Mountains Insurance Group has no valid cup-and-handle signal right now.
- What are White Mountains Insurance Group's financials and valuation?
- White Mountains Insurance Group's income statement, balance sheet and cash flow are free for the most recent 8 years; the full history is on Pro. PER/PBR, dividend yield and sector valuation bands are free.
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