White Mountains Insurance Group Ltd (WTM) — Cash Flow Quality Index
White Mountains Insurance Group Ltd (WTM) has a Cash Flow Quality Index of 0.07x as of December 2025. Operating cash flow of $61.40 Million is below net income of $835.80 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore White Mountains Insurance Group Ltd cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
White Mountains Insurance Group Ltd Cash Flow Quality Index (1989–2025)
Historical Cash Flow Quality Index for White Mountains Insurance Group Ltd across 31 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see White Mountains Insurance Group Ltd operating cash flow efficiency.
Annual Cash Flow Quality Index for White Mountains Insurance Group Ltd (1989–2025)
Year-by-year earnings quality comparison for White Mountains Insurance Group Ltd.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -0.01x | $-7.20 Million | $1.11 Billion | ▼ -100.3% |
| 2024 | 2.07x | $586.80 Million | $284.10 Million | ▲ +160.3% |
| 2023 | 0.79x | $404.10 Million | $509.20 Million | ▲ +73.3% |
| 2022 | 0.46x | $326.30 Million | $712.40 Million | ▲ +601.4% |
| 2020 | -0.09x | $-60.60 Million | $663.40 Million | ▲ +71.5% |
| 2019 | -0.32x | $-120.50 Million | $376.60 Million | ▲ +81.5% |
| 2017 | -1.73x | $-62.40 Million | $36.10 Million | ▼ -241.3% |
| 2015 | 1.22x | $242.50 Million | $198.30 Million | ▼ -45.6% |
| 2014 | 2.25x | $118.80 Million | $52.80 Million | ▲ +2549.9% |
| 2013 | -0.09x | $-28.70 Million | $312.50 Million | ▲ +40.0% |
| 2012 | -0.15x | $-29.60 Million | $193.40 Million | ▲ +88.1% |
| 2011 | -1.29x | $-114.50 Million | $88.80 Million | ▼ -311.6% |
| 2010 | 0.61x | $56.00 Million | $91.90 Million | ▲ +856.2% |
| 2009 | -0.08x | $-46.70 Million | $579.50 Million | ▼ -109.3% |
| 2007 | 0.87x | $354.30 Million | $407.40 Million | ▲ +513.0% |
| 2006 | 0.14x | $95.50 Million | $673.20 Million | ▲ +114.4% |
| 2005 | -0.98x | $-285.00 Million | $290.10 Million | ▲ +26.1% |
| 2004 | -1.33x | $-556.70 Million | $418.70 Million | ▲ +22.3% |
| 2003 | -1.71x | $-480.40 Million | $280.60 Million | ▼ -364.6% |
| 2002 | -0.37x | $-275.70 Million | $748.10 Million | ▼ -1.2% |
| 2000 | -0.36x | $-114.00 Million | $312.90 Million | ▲ +81.0% |
| 1999 | -1.92x | $-208.30 Million | $108.40 Million | ▼ -648.5% |
| 1998 | 0.35x | $28.80 Million | $82.20 Million | ▲ +120.2% |
| 1997 | -1.74x | $-112.80 Million | $64.90 Million | ▼ -104.5% |
| 1996 | 38.43x | $188.30 Million | $4.90 Million | ▲ +5329.5% |
| 1995 | -0.73x | $-61.80 Million | $84.10 Million | ▲ +62.2% |
| 1993 | -1.94x | $-136.70 Million | $70.40 Million | ▲ +4.6% |
| 1992 | -2.04x | $-110.30 Million | $54.20 Million | ▲ +30.8% |
| 1991 | -2.94x | $-353.00 Million | $120.00 Million | ▼ -3549.8% |
| 1990 | 0.09x | $11.00 Million | $129.00 Million | ▲ +113.0% |
| 1989 | -0.66x | $-48.00 Million | $73.00 Million | — |