- The report contains detailed information about White Mountains Insurance Group, Ltd. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
- Another part of the report is a SWOT-analysis carried out for White Mountains Insurance Group, Ltd.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
- The White Mountains Insurance Group, Ltd. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
- In the part that describes White Mountains Insurance Group, Ltd. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
- Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of White Mountains Insurance Group, Ltd. business.
About White Mountains Insurance Group, Ltd.
White Mountains Insurance Group, Ltd., through its subsidiaries, operates property and casualty insurance, and reinsurance businesses
The companys segments include OneBeacon, White Mountains Re, Esurance, and Other Operations.
The OneBeacon segment consists of OneBeacon Insurance Group, Ltd. (OneBeacon Ltd.), an exempted Bermuda limited liability company that owns a family of U.S.-based property and casualty insurance companies (collectively OneBeacon), most of which operate in a multi-company pool. OneBeacon offers a range of specialty, commercial and personal products and services sold primarily through independent agents and brokers. As of December 31, 2009, the company owned 75.4% of OneBeacon Ltd.
In 2009, OneBeacon sold the renewal rights from its non-specialty commercial lines business to The Hanover Insurance Group.
Lines of Business
OneBeacons specialty lines are a collection of niche businesses that focus on solving the needs of particular customer groups on a national scale. OneBeacons specialty lines businesses provide distinct products and offer tailored coverages and services, managed by teams of market specialists. These businesses maintain operations and distribution channels targeting their specific customer groups. OneBeacons specialty lines include various businesses focused on smaller property-casualty insurance segments. OneBeacons specialty lines include Technology, Financial Services, OneBeacon Specialty Property, and Property and Inland Marine businesses.
OneBeacon Professional Insurance (OBPI): OBPI focuses on professional liability insurance products for a range of industry groups. Medical liability insurance for health-care industry segments, including hospitals, physician groups, managed care organizations, long-term care facilities and other non-hospital medical facilities, represents the most significant share of OBPIs business. Additionally, OBPI offers stop loss insurance to certain health-care providers through its provider excess insurance and HMO reinsurance products. Errors and omissions liability insurance coverage is also provided to business segments, including design professionals for the construction industry, law firms, in-house counsel, realtors and media organizations. Management liability coverage, specifically directors and officers and employment practices insurance, is offered on a limited basis.
Collector Cars and Boats: OneBeacon provides property and casualty insurance solutions through a partnership with Hagerty Insurance Agency and Hagerty Classic Marine Insurance Agency (Hagerty). Hagertys specialty services include collector car and wooden boat insurance, automotive museum insurance, restoration shop insurance, vehicle valuation, financing and roadside assistance, as well as various useful information resources. Its Hagerty Plus community of collector car enthusiasts has approximately 280,000 members.
International Marine Underwriters (IMU): IMU coverages include physical damage or loss and general liability for cargo and commercial hull, both at primary and excess levels. IMU also offers coverage for marinas, including a package product with property and liability coverage, and yachts. Target customers include ferry operators and charter boats (hull), marina operators and boat dealers (package product) and private-pleasure yachts.
Technology: Technologys customer groups include hardware manufacturers, software companies, and telecommunications service providers. OneBeacons custom @vantage for Technology policies provides coverage for technology customers needs, including specialized professional liability, such as data privacy, communications and errors and omissions liability, both domestically and internationally. Within the Technology segment, OneBeacon also focuses further with a product tailored for medical technology customers available on a claims-made or occurrence basis that also provides protection worldwide. Within this class, OneBeacon targets medical device manufacturers and operations.
Property and Inland Marine (PIM): The PIM segment provides monoline property and inlan
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1. WHITE MOUNTAINS INSURANCE GROUP, LTD. COMPANY PROFILE
1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History
2. WHITE MOUNTAINS INSURANCE GROUP, LTD. BUSINESS OVERVIEW
2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units
3. WHITE MOUNTAINS INSURANCE GROUP, LTD. SWOT ANALYSIS
4. WHITE MOUNTAINS INSURANCE GROUP, LTD. FINANCIAL ANALYSIS
4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot
5. WHITE MOUNTAINS INSURANCE GROUP, LTD. COMPETITORS AND INDUSTRY ANALYSIS
5.1. White Mountains Insurance Group, Ltd. Direct Competitors
5.2. Comparison of White Mountains Insurance Group, Ltd. and Direct Competitors Financial Ratios
5.3. Comparison of White Mountains Insurance Group, Ltd. and Direct Competitors Stock Charts
5.4. White Mountains Insurance Group, Ltd. Industry Analysis
5.4.1. Insurance Industry Snapshot
5.4.2. White Mountains Insurance Group, Ltd. Industry Position Analysis
6. WHITE MOUNTAINS INSURANCE GROUP, LTD. NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. WHITE MOUNTAINS INSURANCE GROUP, LTD. EXPERTS REVIEW1
7.1. Experts Opinion
7.2. Experts Estimates
8. WHITE MOUNTAINS INSURANCE GROUP, LTD. ENHANCED SWOT ANALYSIS2
9. BERMUDA PESTEL ANALYSIS2
9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors
10. WHITE MOUNTAINS INSURANCE GROUP, LTD. IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. WHITE MOUNTAINS INSURANCE GROUP, LTD. PORTER FIVE FORCES ANALYSIS2
12. WHITE MOUNTAINS INSURANCE GROUP, LTD. VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF TABLES
White Mountains Insurance Group, Ltd. Key Facts
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
White Mountains Insurance Group, Ltd. Key Executives
Key Executives Biographies1
Key Executives Compensations1
White Mountains Insurance Group, Ltd. Major Shareholders
White Mountains Insurance Group, Ltd. History
White Mountains Insurance Group, Ltd. Products
Revenues by Segment
Revenues by Region
White Mountains Insurance Group, Ltd. Offices and Representations
White Mountains Insurance Group, Ltd. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
White Mountains Insurance Group, Ltd. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
White Mountains Insurance Group, Ltd. Capital Market Snapshot
White Mountains Insurance Group, Ltd. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Insurance Industry Statistics
White Mountains Insurance Group, Ltd. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
White Mountains Insurance Group, Ltd. Consensus Recommendations1
Analyst Recommendation Summary1
Price Target Summary1
Experts Recommendation Trends1
Revenue Estimates Analysis1
Earnings Estimates Analysis1
Revenue Estimates Trend1
Earnings Estimates Trend1
LIST OF FIGURES
White Mountains Insurance Group, Ltd. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
White Mountains Insurance Group, Ltd. 1-year Stock Charts
White Mountains Insurance Group, Ltd. 5-year Stock Charts
White Mountains Insurance Group, Ltd. vs. Main Indexes 1-year Stock Chart
White Mountains Insurance Group, Ltd. vs. Direct Competitors 1-year Stock Charts
White Mountains Insurance Group, Ltd. Article Density Chart
1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.
SWOT, which stands for Strengths, Weaknesses, Opportunities and Threats, is an analytical framework that identifies the internal and external factors that are favorable and unfavorable for a company.
Enhanced SWOT Analysis
Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:
- How to use the strengths to take advantage of the opportunities?
- How to use the strengths to reduce likelihood and impact of the threats?
- How to overcome the weaknesses that obstruct taking advantage of the opportunities?
- How to overcome the weaknesses that can make the threats a reality?
Upon answering these questions a company can develop a project plan to improve its business performance.
PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.
Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.
Key Factors Examined by PESTEL Analysis:
- Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
- Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
- Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
- Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
- Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
- Legal – What laws and legislation will exert influence on the style the business is carried out?
IFE, EFE, IE Matrices
The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.
The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.
The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.
Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.
Porter Five Forces Analysis
The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:
- What composes a threat of substitute products and services?
- Is there a threat of new competitors entering the market?
- What is the intensity of competitive rivalry?
- How big is the bargaining power of buyers?
- How significant is the bargaining power of suppliers?
VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:
- Tangible resources
- Intangible resources
- Innovation and Creativity
- Organizational capabilities
The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:
- Costly to imitate?
- Organized properly?