What Is White Mountains Insurance Group (WTM) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, White Mountains Insurance Group's intrinsic value is estimated at $1,644.18. Trading at its current price of $2,167.79, the valuation engine raises significant caution: 9 of 12 models flag downside risk, projecting an average implied return of -24.2%. Model dispersion is worth noting: Bayesian DCF targets $3,243.03 (+49.6%), versus Markov DDM at $41.65 (-98.1%). This +147.7% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About WTM?
12 of 13 models are currently active for WTM. Of these, 3 models suggest upside while 9 models suggest overvaluation. The Bayesian DCF estimates WTM's intrinsic value at $3243.03, implying +49.6% upside from the current price. See which stocks rank higher →
How Does WTM Rank in Fire, Marine & Casualty Insurance?
Among 51 Fire, Marine & Casualty Insurance stocks, WTM ranks #25 by Quality of Company score. CirclFi's QOC score of 8.2/10 evaluates 32 fundamental signals. A score of 8.2 places WTM in the top tier.
See all Most Undervalued Fire, Marine & Casualty Insurance Stocks →
The Fire, Marine & Casualty Insurance sector introduces analytical considerations specific to risk-bearing enterprise businesses. For White Mountains Insurance Group, metrics like premium growth rate provide important context that general-purpose valuation models may underweight.
Is WTM a Value Trap?
CirclFi's Value Trap algorithm assigns WTM a score of 34/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for White Mountains Insurance Group. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, White Mountains Insurance Group earns a quality score of 8.2/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.
The gap between the most bullish and bearish model spans +147.7% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every WTM valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across WTM's 12 active models, average confidence is 36%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
Buy with Gumroad