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WTM - White Mountains Insurance Group


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This is unfortunately a sector I'm not that knowledgeable about. That being said, this firm has a respected management team, looks undervalued (trading below book), and they've aggressively bought back shares, 25% over the past five years, any thoughts on this firm, or reason for undervaluation?

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Guest rimm_never_sleeps

a lot of the insurance sector trades under book. in that sense it trades mostly in line with the group. this stock is probably priced to return about 10% annually imo. however, I believe they are open to liquidating/selling. as such it's a good holding to have in this kind of market.

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Guest hellsten

WTM has a great and very interesting history. All who are interested in value investing should read about WTM's history.

 

WTM made some mistakes in the last 10 years and the CEO apologized publicly. I sold it when it approached book value. Buffett has sold. Not much interest in the company. I think they will do better than the index.

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WTM has a great and very interesting history. All who are interested in value investing should read about WTM's history.

 

WTM made some mistakes in the last 10 years and the CEO apologized publicly. I sold it when it approached book value. Buffett has sold. Not much interest in the company. I think they will do better than the index.

 

Is WTM really a Buffett investment? or simply a Lou Simpson one? which is still good but....

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WTM has a great and very interesting history. All who are interested in value investing should read about WTM's history.

 

WTM made some mistakes in the last 10 years and the CEO apologized publicly. I sold it when it approached book value. Buffett has sold. Not much interest in the company. I think they will do better than the index.

 

Is WTM really a Buffett investment? or simply a Lou Simpson one? which is still good but....

 

I thought Lou Simpson opened his own fund--isn't this Jack Bryne or one of his old insurance guys?

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  • 4 months later...
Guest hellsten
HAMILTON, Bermuda, Feb. 5, 2013 /PRNewswire/ -- White Mountains Insurance Group, Ltd. (NYSE: WTM) reported adjusted book value per share of $588 at December 31, 2012, up 2.4% for the quarter and 8.6% for the year, including dividends.

 

Ray Barrette, Chairman and CEO, commented, "It was a productive year.  Investments had a good year with a GAAP total return of 4.9%. OneBeacon finished the year at a 98% GAAP combined ratio, somewhat disappointing even when adjusting for hurricane Sandy claims, though the underlying loss ratio remains solid.  Sirius Group reported a full year GAAP combined ratio of 90%, a pleasant result given the magnitude of hurricane Sandy and crop losses.  BAM, the new muni bond insurer we funded, is getting traction in the marketplace.  The regulatory review of the agreement to sell the OneBeacon runoff is proceeding as expected.  We had $76 million in net tax gains in the quarter, mostly from the reduction in the Swedish corporate tax rate, and we successfully protected the value of our foreign tax assets from other changes in Swedish tax laws.  We returned $676 million of capital to shareholders, mostly by buying 18% of our beginning shares outstanding at attractive prices. We do not see major business improvements in the near term, as most insurance markets remain quite competitive, new capital is entering the profitable property-cat market, interest rates remain quite low, risk spreads are thin, equities have had a good run and every opportunity continues to be chased by a world full of cash.  We remain defensively positioned and in good shape in all areas.  We have roughly $1 billion of undeployed capital, and we are actively pursuing potential transactions."

 

http://investor.whitemountains.com/phoenix.zhtml?c=103286&p=IROL-NewsText&ID=1781420&highlight=

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  • 2 months later...
  • 4 years later...

White Mountains Insurance: Defensive Posture At A Slight Discount

 

White Mountains should be on investors’ radar screens, as it appears to be an excellent contrarian bet for a down market. With most of its equity invested in cash and short-duration fixed-maturity investments, the company is prepared to allocate capital when potential returns look more attractive.

 

...

 

While I dipped my toe in the water a few weeks ago at $850/share, I would not necessarily be an aggressive buyer here... Rather, I would keep the company in mind if there’s a significant market pullback.

 

Given the composition of the balance sheet, if WTM gets caught up in an indiscriminate general sell-off, investors may see an opportunity to buy a company sitting on significant amounts of dry powder at a sizable discount to book value, with a management team dedicated to increasing the value to shareholders.

 

The only catch to this mini-Berkshire (BRK.A, BRK.B) is that the real deal exists and may ultimately be a better option in a storm.

 

https://seekingalpha.com/article/4112043-white-mountains-insurance-defensive-posture-slight-discount

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White Mountains Insurance: Defensive Posture At A Slight Discount

 

White Mountains should be on investors’ radar screens, as it appears to be an excellent contrarian bet for a down market. With most of its equity invested in cash and short-duration fixed-maturity investments, the company is prepared to allocate capital when potential returns look more attractive.

 

...

 

While I dipped my toe in the water a few weeks ago at $850/share, I would not necessarily be an aggressive buyer here... Rather, I would keep the company in mind if there’s a significant market pullback.

 

Given the composition of the balance sheet, if WTM gets caught up in an indiscriminate general sell-off, investors may see an opportunity to buy a company sitting on significant amounts of dry powder at a sizable discount to book value, with a management team dedicated to increasing the value to shareholders.

 

The only catch to this mini-Berkshire (BRK.A, BRK.B) is that the real deal exists and may ultimately be a better option in a storm.

 

https://seekingalpha.com/article/4112043-white-mountains-insurance-defensive-posture-slight-discount

 

Agree a good conservative bet. Another good thing here is Management. They are demonstrably more interested in growing intrinsic value per share rather than empire building. They have bought back a crazy number of shares in recent years. They just completed a Dutch tender at $875. With that a r cent pullback into the $850 range when the Hurricanes hit was plenty good enough for me to add.  They have bought tons of shares at well under book value, much of that in the 400s/500s/600s. They have in addition sold some subsidiaries at well over book value. They are most certainly positioned for a downturn and they are a good defensive play.

Ray Barrette’s retirement is a bit of a concern but I don’t see anything new in the approach of the successor. The BV remains above the current share price and I beleove the IV to be atleast another 10-20% more that that.

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Following it too.  Excellent long-term history.  I found some commentary on another thread where people were concerned about the management, although perhaps that management is now out the door.  My only real issue is I already have so much in insurance companies.

 

EDIT:

 

This was the thread I was referring to above.

 

http://www.cornerofberkshireandfairfax.ca/forum/general-discussion/wtm/msg402/#msg402

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  • 4 weeks later...

Found this in WTM's latest quarterly report:

 

During the third quarter of 2017, White Mountains repurchased and retired 821,842 of its common shares for $715 million at an average price per share of $870, or approximately 96% of White Mountains's September 30, 2017 adjusted book value per share.

 

They repurchased roughly 1/6 of their outstanding shares just in the last quarter.  Price today is the same as their average purchase price.  I have opened a position.

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  • 5 weeks later...

What's happened to WTM?  There was a time that WTM was thought of in the same high quality insurer/reinsurance group as MKL, Y, etc

 

Would anyone put ACGL in that group?

 

White mountain is a completely different company than its been for the past few decades. Their management team is entirely gone, their longetime CEO Ray Barrette resigned in 2017 along with the CFO I believe. They were replaced by long-standing executives who should most likely have the same values, but still... different management team. They have exited all of their insurance operations, most recently selling their stake in One Beacon. What's left is essentially a pile of cash, a few small businesses, and a new management team. So it is no longer the same company as it was when it was thought of as a high quality insurer. It is trading around BV though I believe.

 

Anyone here has an opinion on WTM ?

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I have a position in WTM but yes it is hard to justify much of a premium over book.  Basically a SPAC at this point.  I am in there due to the dearth of opportunities and I see it as a decent cash alternative.  I am hoping some of their culture rubbed off on new management.  It is not a big position for me.

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  • 5 weeks later...

Earnings came out a few days ago.  Not much change but it is now at 85% of adjusted book now.  I feel the discount is unwarranted given their track record and the fact that management takes advantage of low share price via share repurchases.  Actually I think a significant part of the bvps gains over the last few years have come from below book share purchases.

 

http://www.whitemountains.com/PDF/WTM_4Q17_Earnings_Release.pdf

 

 

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  • 1 month later...

White Mountains Insurance Group, Ltd. (WTM) announced today that it intends to commence a "modified Dutch auction" self-tender offer to purchase 500,000 of its common shares, or such lesser number of its common shares as are properly tendered and not properly withdrawn, at a purchase price of not greater than $875 or less than $825 per share, net to the seller in cash.

 

The tender offer is expected to commence on April 10, 2018 and expire at 12:00 midnight, New York City time, at the end of the day on May 7, 2018, unless extended.  White Mountains's common shares closed on the New York Stock Exchange at $806.17 per share on April 9, 2018.

 

https://finance.yahoo.com/news/white-mountains-commence-self-tender-100000038.html

 

$858, +6.5%

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