White Mountains Insurance Group (WTM) Stock Analysis
Financial Services · Insurance - Property & Casualty
Sell if holding. Momentum 2.6/10 is below the 5.0 floor at $2210.09 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Concentration risk — Customer: BAM; Earnings expected to decline ~79% (cyclical peak).
White Mountains Insurance Group is a Bermuda holding company with businesses in specialty P&C insurance/reinsurance (Ark), municipal bond guarantee reinsurance (HG Global), capital solutions for asset managers (Kudu), and specialty insurance distribution (Distinguished). Revenue... Read more
Sell if holding. Momentum 2.6/10 is below the 5.0 floor at $2210.09 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Concentration risk — Customer: BAM; Earnings expected to decline ~79% (cyclical peak). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 5.7/10, moderate confidence.
Passes 4/7 gates (clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on weak momentum and earnings proximity 6d<=7d. Suitability: moderate.
Thesis
Key Metrics
Quality Signals
Concentration Risks(10-K Item 1A)
- HIGHCustomerBAM10-K Item 1A: 'HG Re is only licensed to provide reinsurance to BAM.'
- MEDIUMCustomerthree largest carriers61%10-K Item 1A: 'Distinguished placed approximately 61% of its business with its three largest carriers during the year ended December 31, 2025.'
- LOWCustomersingle largest carrier22%10-K Item 1A: 'Distinguished placed approximately 22% of its business with its single largest carrier during the year ended December 31, 2025.'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
1 floor-breaker
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Momentum 2.6/10 is below the 5.0 floor at $2210.09 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Concentration risk — Customer: BAM; Earnings expected to decline ~79% (cyclical peak). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $2124.79. Score 5.7/10, moderate confidence.
Take-profit target: $2286.34 (+3.5% upside). Prior stop was $2124.79. Stop-loss: $2124.79.
Concentration risk — Customer: BAM; Earnings expected to decline ~79% (cyclical peak); Earnings in 6 days (event risk).
White Mountains Insurance Group trades at a P/E of 5.1 (forward 24.5). TrendMatrix value score: 7.0/10. Verdict: Sell.
8 analysts cover WTM with a consensus score of 2.3/5.
What does White Mountains Insurance Group do?White Mountains Insurance Group is a Bermuda holding company with businesses in specialty P&C insurance/reinsurance...
White Mountains Insurance Group is a Bermuda holding company with businesses in specialty P&C insurance/reinsurance (Ark), municipal bond guarantee reinsurance (HG Global), capital solutions for asset managers (Kudu), and specialty insurance distribution (Distinguished). Revenue comes from underwriting income, investment returns, and fee-based services.