Is WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| DJIM | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| MSCI | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| S&P | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| FTSE | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 62.6% | |
| Operating Margin | 64.3% | |
| Net Margin | 29.6% | |
| Return on Equity (ROE) | 21.1% | |
| Return on Assets (ROA) | 8.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $550M |
| Free Cash Flow | $550M |
| Total Debt | $837M |
| Debt-to-Equity | 14.3 |
| Current Ratio | 1.4 |
| Total Assets | $12.3B |
Price & Trading
| Last Close | $2,220.71 |
| 50-Day MA | $2,153.78 |
| 200-Day MA | $1,942.85 |
| Avg Volume | 18K |
| Beta | 0.3 |
|
52-Week Range
$1,648.00
| |
About WHITE MOUNTAINS INSURANCE GROUP LTD (WTM)
White Mountains Insurance Group, Ltd. provides insurance services in the United States, the United Kingdom, Bermuda, and internationally. It operates through Ark/WM Outrigger, HG Global, Kudu, Distinguished, and Other Operations segments. The company offers property insurance and reinsurance; specialty insurance and reinsurance consisting of aviation, contingency, cyber, fine art and specie, mortgage, nuclear, political and credit, space, surety, and terrorism and political violence; marine and energy insurance and reinsurance; casualty insurance and reinsurance, such as medical malpractice, and professional and general liability; and accident and health insurance and reinsurance, which includes personal accident, sickness, disability, travel, short-term life, and medical products through brokers, managing general agents (MGA), and reinsurance intermediaries. It also provides municipal bond guarantee reinsurance, which focuses on single risk limits for small-to-medium sized, and public investment grade municipal bonds that are issued to finance public purpose projects, including schools, utilities, and transportation facilities. In addition, the company offers capital solutions for boutique asset and wealth managers for generational ownership transfers, management buyouts, acquisition and growth finance, and legacy partner liquidity; strategic advice; investment management; and specialty electrical contracting services. Further, it operates as a full-service MGA and program administrator for specialty property and casualty insurance for the real estate and hospitality end markets, and start-up programs; and an MGA for leisure travel and global expatriate medical insurance in Israel, the European Union, and Australia. The company was formerly known as Fund American Enterprises Holdings, Inc. and changed its name to White Mountains Insurance Group, Ltd. in 1999. White Mountains Insurance Group, Ltd. was incorporated in 1980 and is headquartered in Hamilton, Bermuda.
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Frequently Asked Questions
Is WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), WHITE MOUNTAINS INSURANCE GROUP LTD is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is WHITE MOUNTAINS INSURANCE GROUP LTD's debt ratio?
WHITE MOUNTAINS INSURANCE GROUP LTD's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are WHITE MOUNTAINS INSURANCE GROUP LTD's key financial metrics?
WHITE MOUNTAINS INSURANCE GROUP LTD has a market capitalization of $5.3B, trailing P/E ratio of 5.0, and revenue of $2.9B. The company maintains a gross margin of 62.6% and a net margin of 29.6%. Return on equity stands at 21.1%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.