COMP <GO>
WTM vs JPM // ALTMAN Z-SCORE & DEBT/EQUITY
White Mountains Insurance Group Ltd. (NYSE) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: WTM 7
— JPM 5
■ METRIC PARITY
LAST: $2,245.46 (+1.67%) • MKT CAP: $5.36B
balance-sheet
—
LAST: $343.58 (+1.26%) • MKT CAP: $913.30B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (WTM VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | WTM | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 16.40% | 17.37% | -0.97 | JPM | /roic <GO> |
| EV/EBITDA & P/E Valuation | 4.3x | 9.7x | -5.37 | WTM | /valuation <GO> |
| Free Cash Flow Yield | 7.14% | -18.14% | +25.28 | WTM | /fcf-yield <GO> |
| Operating Margin | 36.10% | 42.07% | -5.97 | JPM | /operating-margins <GO> |
| Net Profit Margin | 29.60% | 32.63% | -3.03 | JPM | /net-margins <GO> |
| Revenue Growth (YoY) | 66.80% | 13.53% | +53.27 | WTM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.05% | 1.96% | -1.91 | JPM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 2/9 | +6.00 | WTM | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 4.84% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 68.7 | 55.1 | +13.60 | WTM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.06 | 1.00 | +0.06 | WTM | /macro-sensitivity <GO> |
| Forward P/E Multiple | 4.2x | 13.6x | -9.37 | WTM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $5.36B | $913.30B | -$907.94B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | WTM REV | JPM REV | WTM GROSS % | JPM GROSS % | WTM FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.73B | $182.45B | 95.9% | — | $382.4M | -$147.78B |
| FY 2024 | $2.24B | $177.56B | 98.7% | — | $486.0M | -$42.01B |
| FY 2023 | $2.17B | $158.10B | — | — | $306.6M | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
WTM // BETA 1.06
JPM // BETA 1.00