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 how efficiently does White Mountains Insurance Group Ltd generate cash to assess how effectively this company generates cash.
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. Check WTM cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
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. For live market cap and the full company financial profile, see WTM market cap.
| 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 | — |