What is White Mountains Insurance Group's specialty — 8?

White Mountains Insurance Group (WTM) reported specialty — 8 of 1.8% in Q4 2025.

How has White Mountains Insurance Group's specialty — 8 changed year-over-year?

White Mountains Insurance Group's specialty — 8 decreased by 0.0% year-over-year, from 1.8% to 1.8%.

What does specialty — 8 mean?

Measures the financial effect of prior year reserve adjustments within the specialty insurance segment, reflecting the ongoing assessment of claim liabilities. This metric helps identify potential trends in loss severity or frequency that deviate from original expectations.

White Mountains Insurance Group (WTM) Specialty — 8

Screener

Other product segments

Casualty-Active

5.1%+6.2%

Casualty-Runoff

4.2%+2.4%

Property and Accident & Health

0.9%+12.5%

Marine & Energy

0.4%0.0%

Similar metrics at other companies

HGBermuda - Specialty — 8

1%0.0pp

HGInternational - Specialty — 8

4%-4.0pp

FRHCCivil Liability — 8

0%—

FRHCLife Insurance — 8

0%—

FRHCMotor Vehicle — 8

0%—

FRHCProperty Damage — 8

0%—

Other financials

Income statement

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Revenue$844.6M+22.5%

Gross profit$764.5M+18.2%

Net income$199.5M+62.3%

Balance sheet

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Total debt$932.5M+34.2%

Total equity$5.4B+16.0%

Total assets$13.8B+16.4%

Cash flow

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Operating cash flow-$55.5M-131%

Valuation

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Market cap$5.3B+15.6%

P/E4.7×—

P/S1.4×-0.5×

Profitability

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Gross margin94.1%-3.2pp

Net margin29.3%—

Returns & leverage

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearEight.

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

Specialty	Specialty / Average Annual Percentage Payout of Incurred Loss and LAE by Age, Net of Reinsurance	Specialty / Average Annual Percentage Payout of Incurred Loss and LAE by Age, Net of Reinsurance	Specialty / Average Annual Percentage Payout of Incurred Loss and LAE by Age, Net of Reinsurance	Specialty / 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
	18.2%	26.8%	13.2%	8.7%	6.3%	2.5%	2.1%	1.8%	(1.2)%	1.0%

Item 16. Form 10-K Summary.

FAQ

What is White Mountains Insurance Group's specialty — 8?: White Mountains Insurance Group (WTM) reported specialty — 8 of 1.8% in Q4 2025.
How has White Mountains Insurance Group's specialty — 8 changed year-over-year?: White Mountains Insurance Group's specialty — 8 decreased by 0.0% year-over-year, from 1.8% to 1.8%.
What does specialty — 8 mean?: Measures the financial effect of prior year reserve adjustments within the specialty insurance segment, reflecting the ongoing assessment of claim liabilities. This metric helps identify potential trends in loss severity or frequency that deviate from original expectations.