WTM vs KMX

Comparison between White Mountains Insurance Group Ltd (WTM, Company) and Carmax Inc (KMX, Company).

WTM is from the Financial Services sector, while KMX is from the Consumer Cyclical sector.

5-Year PerformanceWTM has outperformed KMX, delivering a return of +12.3% compared to -20.4%

WTM vs KMX - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	WTM(COMPANY)	KMX(COMPANY)
Market Cap	$5.31B	$5.30B
Max Drawdown	78.65%	80.06%
Sharpe Ratio	0.67	-0.94
5Y Beta	0.37	1.18
Industry	Insurance - Property & Casualty	Auto & Truck Dealerships
P/E Ratio	5.13	22.97
Forward P/E	13.87	17.09
PEG Ratio	0.00	N/A
Dividend Yield	0.05%	N/A
5Y Dividends CAGR	14.87%	N/A
5Y EPS CAGR	12.53%	-18.66%
Debt to Equity	15.54%	296.80%
Free Cash Flow Yield	11.69%	23.46%

Market Cap

Winner

WTM

$5.31B

KMX

$5.30B

Max Drawdown

Winner

WTM

78.65%

KMX

80.06%

Sharpe Ratio

Winner

WTM

0.67

KMX

-0.94

5Y Beta

Winner

WTM

0.37

KMX

1.18

Industry

WTM

Insurance - Property & Casualty

KMX

Auto & Truck Dealerships

P/E Ratio

Winner

WTM

5.13

KMX

22.97

Forward P/E

Winner

WTM

13.87

KMX

17.09

PEG Ratio

WTM

0.00

KMX

N/A

Dividend Yield

WTM

0.05%

KMX

N/A

5Y Dividends CAGR

WTM

14.87%

KMX

N/A

5Y EPS CAGR

Winner

WTM

12.53%

KMX

-18.66%

Debt to Equity

Winner

WTM

15.54%

KMX

296.80%

Free Cash Flow Yield

WTM

11.69%

Winner

KMX

23.46%

WTM vs KMX - Historical Returns

Returns include dividend reinvestment.

Period	WTM	KMX
1 month	-5.72%	-8.12%
3 months	-3.70%	-16.04%
6 months	+14.04%	+11.46%
1 year	+17.38%	-44.06%
5 years(CAGR)	+12.29%	-20.44%
10 years(CAGR)	+10.41%	-3.39%
Max(CAGR)	+11.72%	+13.06%

Winner

WTM

-5.72%

KMX

-8.12%

Winner

WTM

-3.70%

KMX

-16.04%

Winner

WTM

+14.04%

KMX

+11.46%

Winner

WTM

+17.38%

KMX

-44.06%

5Y(CAGR)

Winner

WTM

+12.29%

KMX

-20.44%

10Y(CAGR)

Winner

WTM

+10.41%

KMX

-3.39%

Max(CAGR)

WTM

+11.72%

Winner

KMX

+13.06%

WTM vs KMX - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	WTM	KMX
2026	+5.09%	-4.91%
2025	+7.78%	-52.43%
2024	+28.89%	+7.30%
2023	+7.82%	+26.55%
2022	+40.13%	-52.06%
2021	+0.02%	+39.58%
2020	-10.78%	+5.53%
2019	+30.61%	+39.23%
2018	+1.26%	-3.13%
2017	+0.31%	-1.06%
2016	+16.25%	+22.95%
2015	+15.17%	-18.81%
2014	+5.05%	+41.96%
2013	+15.41%	+24.66%
2012	+13.20%	+23.00%
2011	+32.29%	-5.93%
2010	+0.31%	+32.94%
2009	+27.07%	+191.47%
2008	-46.61%	-60.74%
2007	-10.07%	-28.56%
2006	+5.94%	+87.71%
2005	-10.36%	-8.34%
2004	+42.59%	+1.87%
2003	+42.62%	+73.08%
2002	-7.44%	-20.36%
2001	+10.58%	+468.50%
2000	+172.82%	+75.02%
1999	-4.04%	-19.55%

WTM vs KMX Drawdown Comparison

The maximum drawdown for WTM was -77.48%, occurring on Mar 9, 2009. Recovery took 2327 trading sessions.

The maximum drawdown for KMX was -80.06%, occurring on Nov 6, 2025. This drawdown has not yet recovered.

The current WTM drawdown is -7.53%. The current KMX drawdown is -75.87%.

Rank	WTM	KMX
#1	-77.48% Sep 8, 2005 - Dec 5, 2014	-80.06% Nov 9, 2021 - Nov 6, 2025
#2	-40.16% Feb 11, 2020 - Feb 10, 2021	-78.70% Jan 24, 2007 - Oct 8, 2010
#3	-27.02% Jun 21, 2001 - May 12, 2003	-62.01% May 9, 2002 - Jul 11, 2003
#4	-22.07% Feb 22, 2021 - Jun 7, 2022	-56.56% Feb 20, 2020 - Aug 10, 2020
#5	-18.77% Nov 1, 1999 - Mar 14, 2000	-53.98% Dec 2, 1999 - Mar 27, 2000
#6	-18.05% Nov 25, 2024 - Nov 26, 2025	-52.99% Oct 14, 2003 - Sep 12, 2006
#7	-16.59% Mar 1, 2017 - Sep 14, 2018	-51.20% Jul 18, 2001 - Nov 6, 2001
#8	-16.37% Mar 11, 2005 - Aug 19, 2005	-43.60% Apr 2, 2015 - Sep 27, 2017
#9	-15.67% Apr 6, 2004 - Nov 18, 2004	-43.54% Mar 28, 2000 - Aug 2, 2000
#10	-15.54% Sep 8, 2022 - Oct 28, 2022	-36.44% Feb 18, 2011 - Dec 20, 2012
#11	-14.93% Feb 17, 2023 - Jul 20, 2023	-34.12% Sep 7, 2000 - Feb 13, 2001
#12	-14.80% Sep 14, 2018 - May 31, 2019	-29.70% Sep 12, 2018 - Jun 10, 2019
#13	-13.91% Jun 16, 2003 - Oct 3, 2003	-23.49% Oct 6, 2017 - Jun 22, 2018
#14	-13.43% Nov 30, 2015 - Apr 1, 2016	-22.29% Jun 4, 2001 - Jul 17, 2001
#15	-12.42% Sep 29, 2000 - Nov 10, 2000	-20.55% Aug 24, 2020 - Jan 19, 2021