White Mountains Insurance Group Ltd. (WTM) Revenue-to-Profit Sankey Flow & SEC XBRL Financials
White Mountains Insurance Group Ltd. (WTM) receives a Roarable Rating of D (Sell) and flashes a Red SELL / AVOID warning (63/100 RQD Confidence). Our SEC filing scanner spotted paper earnings outpacing real operating cash flow (+226.2% (NI vs OCF)) while unpaid customer invoices grew—a classic sign to step aside until cash flow catches up.
How WTM Turns Every Dollar of Sales Into Real Bottom-Line Profit
Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory
| Fiscal Year | Revenue | Gross Margin | Op Margin | Net Profit | Free Cash Flow | ROIC % |
|---|---|---|---|---|---|---|
| FY 2025 | $3.73B | 95.9% | 35% | $1.11B | $382.4M | 15.2% |
| FY 2024 | $2.24B | 98.7% | 12.1% | $230.4M | $486.0M | 3.9% |
| FY 2023 | $2.17B | 44% | 27.7% | $509.2M | $306.6M | 26.7% |
Red-Light Warning Desk: How Pros Profit When Overhyped Stocks Crack (Featuring WTM)
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WTM Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +66.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on WTM today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for WTM. Explore sector supply chains on /butterfly.
WTM Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDHow profitable is White Mountains Insurance Group Ltd. (WTM)?
In FY 2025 (10-K), WTM converted $3.7B of revenue into a 95.9% gross margin, 35% operating margin, and $382.4M in free cash flow (10.2% FCF margin).