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White Mountains Insurance Group, Ltd. (WTM) Total Return Calculator with Dividends Reinvested

White Mountains Insurance Group, Ltd.

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The total return for White Mountains Insurance Group, Ltd. (WTM) stock is +16.95% over the past 12 months. So far it's up 1.91% this year. The 5-year total return is +71.75%, meaning $10,000 invested in WTM stock 5 years ago would be worth $17,175 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in WTM 1 year ago, it would be worth $11,651 today — you'd have gained $1,651 with dividends reinvested.

With Dividends Reinvested$11,651+16.51%

Price Only (No DRIP)$11,646+16.46%

Dividend Boost+$51 payments · +0.05% extra

Period2025-05-07 → 2026-05-06

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in WTM

1Y$11,695+$1,695 (+16.9%)16.9% CAGR

3Y$14,329+$4,329 (+43.3%)12.7% CAGR

5Y$17,175+$7,175 (+71.8%)11.4% CAGR

10Y$25,683+$15,683 (+156.8%)9.9% CAGR

15Y$59,194+$49,194 (+491.9%)12.6% CAGR

20Y$40,810+$30,810 (+308.1%)7.3% CAGR

30Y$278,714+$268,714 (+2687.1%)11.7% CAGR

Dividend Reinvestment History (1)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2026-03-16	$1.00	$2199.69	+0.000455

Loading WTM total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+1.91%	—	+1.87%	+0.05 pp	$10,191
1Y	+16.95%	16.95%	+16.89%	+0.06 pp	$11,695
3Y	+43.29%	12.74%	+43.08%	+0.21 pp	$14,329
5Y	+71.75%	11.42%	+71.34%	+0.41 pp	$17,175
10Y	+156.83%	9.89%	+155.60%	+1.23 pp	$25,683
15Y	+491.94%	12.59%	+487.70%	+4.24 pp	$59,194
20Y	+308.10%	7.28%	+301.16%	+6.94 pp	$40,810
30Y	+2687.14%	11.73%	+2614.32%	+72.82 pp	$278,714

Risk & Highlights

Best Year+171.49%2000

Worst Year-47.52%2008

Max Drawdown-11.73%2025-08-13 → 2025-10-01 · Recovered 2025-10-07

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+8.75%	+8.75%	—	+0.41%	+8.3pp
2025	+7.77%	+7.72%	+0.1pp	+16.64%	-8.9pp
2024	+28.88%	+28.81%	+0.1pp	+24.00%	+4.9pp
2023	+7.82%	+7.75%	+0.1pp	+24.81%	-17.0pp
2022	+40.10%	+40.00%	+0.1pp	-19.95%	+60.0pp

WTM underperformed the S&P 500 by 14.37pp over the past year (+16.95% vs +31.32%).

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WTM Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
WTMWhite Mountains Insurance Group, Ltd.	$5.2B	-5.6%	+1.9%	+16.9%	+0.1pp	+43.3%	+71.8%	+156.8%
MKLMarkel Corporation	$22.3B	-6.4%	-16.2%	-4.7%	—	+30.0%	+49.0%	+90.6%
ACGLArch Capital Group Ltd.	$33.7B	-2.2%	+0.9%	+1.8%	—	+30.9%	+150.7%	+325.3%
RNRRenaissanceRe Holdings Ltd.	$13.1B	+0.5%	+11.3%	+22.9%	+0.7pp	+46.6%	+89.7%	+182.4%
ERIEErie Indemnity Company	$9.9B	-16.0%	-22.1%	-39.3%	+1.6pp	-1.6%	+13.7%	+172.5%
HCIHCI Group, Inc.	$2.0B	+0.1%	-16.0%	+5.8%	+1.1pp	+212.1%	+110.5%	+451.6%
KMPRKemper Corporation	$1.9B	+4.6%	-16.4%	-44.8%	+2.1pp	-21.9%	-50.9%	+40.3%
AIGAmerican International Group, Inc.	$41.7B	+1.7%	-7.3%	-3.7%	+2.2pp	+53.5%	+69.6%	+66.2%
TRVThe Travelers Companies, Inc.	$65.2B	+2.0%	+6.1%	+14.2%	+1.6pp	+72.1%	+100.3%	+204.9%
CBChubb Limited	$125.6B	-1.5%	+4.1%	+12.7%	+1.3pp	+66.7%	+95.9%	+189.4%
HIGThe Hartford Financial Services Group, Inc.	$36.7B	-2.1%	-2.2%	+7.2%	+1.8pp	+98.0%	+113.2%	+237.7%

Compare:WTM vs MKL WTM vs ACGL WTM vs RNR WTM vs MKL vs ACGL

About WTM Dividend Returns

White Mountains Insurance Group, Ltd. (WTM) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of WTM over the past year?

White Mountains Insurance Group, Ltd. (WTM) delivered a total return of 16.95% over the past year when dividends are reinvested. The price-only return was 16.89%, meaning dividends contributed an additional 0.06 percentage points to total returns.

Q2How much would $10,000 invested in WTM be worth today?

A $10,000 investment in White Mountains Insurance Group, Ltd. one year ago would be worth $11,695 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $11,689. Dividend reinvestment added $6 to the portfolio value.

Q3Does WTM pay dividends?

Yes, White Mountains Insurance Group, Ltd. (WTM) pays dividends. In the last year, WTM paid approximately $1.02 per share in dividends (0.05% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did WTM beat the S&P 500?

No, White Mountains Insurance Group, Ltd. (WTM) underperformed the S&P 500 by 14.37 percentage points over the past year. WTM delivered a total return of 16.95%, compared to the S&P 500's 31.32%. This means a passive S&P 500 index fund outperformed WTM by 14.37pp during this period.

Q5What is WTM's worst drawdown?

White Mountains Insurance Group, Ltd. (WTM) experienced a maximum drawdown of -11.73% over the past year, declining from its peak on 2025-08-13 to its trough on 2025-10-01. The stock recovered to its prior peak by 2025-10-07. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is WTM's long-term total return over 10, 20, or 30 years?

Here are White Mountains Insurance Group, Ltd. (WTM)'s long-term returns with dividends reinvested. Over 10 years, the total return is 156.8% (9.9% CAGR) — $10,000 would have grown to $25,683. Over 20 years: 308.1% total return (7.3% CAGR) — $10,000 → $40,810. Over 30 years: 2687.1% total return (11.7% CAGR) — $10,000 → $278,714. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was WTM's best and worst year?

White Mountains Insurance Group, Ltd.'s best calendar year was 2000 with a total return of 171.5%. Its worst year was 2008 with a total return of -47.5%. This range shows the volatility investors should expect — the difference between the best and worst year is 219.0 percentage points.