WTM Stock Analysis: Buy, Sell, or Hold?
WTM - White Mountains Insurance Group Ltd.
$2196.96
3.10 (0.14%)
▲
5d:
-0.68%
30d:
-2.1%
90d:
+5.85%
BUY
MODERATE Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: May 06, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: WTM shows positive signals but monitor for confirmation. Market pricing in 1.4% growth. Moderate conviction.
💡 BUY OPPORTUNITY: WTM shows positive signals but monitor for confirmation. Market pricing in 1.4% growth. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$434.62
Based on -24.3% avg growth
INTRINSIC VALUE TODAY
$269.87
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 23.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WTM is currently trading at $2196.96, which is considered fair relative to its 30-day fair value range of $2173.41 to $2222.78. The stock's valuation (Forward PE: 24.4) is in line with its historical norms (23.4). At these levels, the market is pricing in 1.4% annual earnings growth.
Technical Outlook: Technically, WTM is in a strong uptrend. The price is currently testing key support at $2134.68. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. However, the stock is trading significantly above the average Wall Street target of $360.00. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, WTM is in a strong uptrend. The price is currently testing key support at $2134.68. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. However, the stock is trading significantly above the average Wall Street target of $360.00. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$2173.41 -
$2222.78
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
66.2%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BEARISH: Trading 83.6% above Wall St target ($360.00)
- BULLISH: Expecting earnings turnaround to 1.4% growth with 348.0% revenue growth
Fair Price Analysis
30-Day Fair Range
$2173.41 -
$2222.78
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$2134.68
Resistance Level
$2231.57
Current Trend
Strong Uptrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
24.41
Wall Street Target
$360.00
(-83.6%)
Revenue Growth (YoY)
348.0%
Earnings Growth (YoY)
-36.6%
Profit Margin
29.6%
Valuation Premium vs History
+1.4% premium
PE vs Historical
24.4 vs 23.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.4%
(market-implied from PE analysis)
1-Year Target
$2227.72
(+1%)
2-Year Target
$2258.91
(+3%)
3-Year Target
$2290.53
(+4%)
3-Yr Target (if PE normalizes)
(PE: 24→23)
PE COMPRESSION
$2195.70
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 24.4, Growth: -52.6%)
$1601.58
(+-27%)
Base:
(SPY PE: 22.4, Growth: -52.6%)
$1466.38
(-33%)
Bear:
(PE: 19.0, Growth: -52.6%)
$1246.43
(-43%)
📈
Valuation based on Current Earnings
Trailing PE: 5.01 | Current EPS (TTM): $430.14
Bull Case
$1185.25
(-45%)
Analyst growth -50.0%, PE expands to 5.5
Base Case
$1077.50
(-50%)
Market implied -50.0%, PE stable at 5.0
Bear Case
$1465.40
(-32%)
Severe decline -20.0%, PE contracts to 4.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: April 01, 2026 2:31 AM ET
Data refreshes hourly during market hours. Next update: 3:31 AM
Data refreshes hourly during market hours. Next update: 3:31 AM
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Technical Signals Check
Is WTM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Philip A Gelston
SELL
165 shares
2025-12-16
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