What does property and accident & health — 5 mean?

This metric quantifies the change in estimated ultimate losses for prior accident years within the Property and Accident & Health segment. It is a critical component of the segment's overall profitability, reflecting whether past claims were over- or under-reserved. This helps stakeholders understand the impact of historical underwriting decisions on current financial results.

White Mountains Insurance Group (WTM) Property and Accident & Health — 5

Screener

Other product segments

Casualty-Active

10%+5.3%

Casualty-Runoff

8.5%0.0%

Marine & Energy

6.4%+30.6%

Specialty

6.3%-13.7%

Similar metrics at other companies

FRHCAccident Insurance — 5

18.6%—

FRHCProperty Damage — 5

6%-1.0pp

HIPOProperty Lines — 5

3%—

HGBermuda - Property — 5

1%—

HGInternational - Property — 5

3%-2.0pp

FRHCCivil Liability — 5

9%+5.6pp

Other financials

Income statement

See full

Revenue$844.6M+22.5%

Gross profit$764.5M+18.2%

Net income$199.5M+62.3%

Balance sheet

See full

Total debt$932.5M+34.2%

Total equity$5.4B+16.0%

Total assets$13.8B+16.4%

Cash flow

See full

Operating cash flow-$55.5M-131%

Valuation

See full

Market cap$5.3B+15.6%

P/E4.7×—

P/S1.4×-0.5×

Profitability

See full

Gross margin94.1%-3.2pp

Net margin29.3%—

Returns & leverage

See full

Return on equity22.4%—

Debt / equity0.2×0.0×

Where this comes from

Reported directly by White Mountains Insurance Group in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

The source filing: White Mountains Insurance Group’s 10-K, filed February 27, 2026.

Filed: Feb 27, 2026, 9:21 AM EST
Fiscal year: FY2025
Accession: 0001628280-26-012603

Property and Accident & Health	Property and Accident & Health / Average Annual Percentage Payout of Incurred Loss and LAE by Age, Net of Reinsurance	Property and Accident & Health / Average Annual Percentage Payout of Incurred Loss and LAE by Age, Net of Reinsurance	Property and Accident & Health / Average Annual Percentage Payout of Incurred Loss and LAE by Age, Net of Reinsurance	Property and Accident & Health / Average Annual Percentage Payout of Incurred Loss and LAE by Age, Net of Reinsurance	Average Annual Percentage Payout of Incurred Loss and LAE by Age, Net of Reinsurance	Average Annual Percentage Payout of Incurred Loss and LAE by Age, Net of Reinsurance	Average Annual Percentage Payout of Incurred Loss and LAE by Age, Net of Reinsurance	Average Annual Percentage Payout of Incurred Loss and LAE by Age, Net of Reinsurance	Average Annual Percentage Payout of Incurred Loss and LAE by Age, Net of Reinsurance	Average Annual Percentage Payout of Incurred Loss and LAE by Age, Net of Reinsurance
Years	1	2	3	4	5	6	7	8	9	10
	27.4%	31.9%	18.4%	6.4%	2.9%	1.9%	0.4%	0.9%	0.2%	0.1%

Item 16. Form 10-K Summary.

FAQ

What is White Mountains Insurance Group's property and accident & health — 5?: White Mountains Insurance Group (WTM) reported property and accident & health — 5 of 2.9% in Q4 2025.
How has White Mountains Insurance Group's property and accident & health — 5 changed year-over-year?: White Mountains Insurance Group's property and accident & health — 5 increased by 3.6% year-over-year, from 2.8% to 2.9%.
What does property and accident & health — 5 mean?: This metric quantifies the change in estimated ultimate losses for prior accident years within the Property and Accident & Health segment. It is a critical component of the segment's overall profitability, reflecting whether past claims were over- or under-reserved. This helps stakeholders understand the impact of historical underwriting decisions on current financial results.