Wuestenrot & Wuerttembergische (WUW) AI Stock Analysis

• Market Cap: €1.42B
• Dividend Yield: 4.29%
• Average Volume (3M): 31.16K
• Price to Earnings (P/E): 41.8
• Beta (1Y): 0.54
• Revenue Growth: 4.19%
• EPS Growth: -75.44%
• Country: DE
• Employees: 7,570
• Sector: Financial
• Sector Strength: 88
• Industry: Insurance - Life
• EPS (TTM): 0.36
• Shares Outstanding: 93,749,720
• 10 Day Avg. Volume: 31,989
• 30 Day Avg. Volume: 31,161
• PEG Ratio: -1.16
• Price to Book (P/B): 0.29
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Wuestenrot & Wuerttembergische's overall score reflects moderate financial stability with challenges in profitability and operational efficiency. The stock shows positive technical momentum, yet the valuation appears high with a P/E ratio suggesting overvaluation concerns. The strong dividend yield partially offsets valuation apprehensions. Cash flow improvements provide a positive outlook, though previous volatility remains a risk factor.

Wuestenrot & Wuerttembergische Business Overview & Revenue Model

Company Description

Wuestenrot & Wuerttembergische (WUW) is a prominent German financial services group specializing in both banking and insurance sectors. The company offers a wide range of products, including life and health insurance, property and casualty insurance, and various savings and investment products. With a focus on providing comprehensive financial solutions, WUW caters to both individual and corporate clients, ensuring a broad market presence in the financial services industry.

How the Company Makes Money

Wuestenrot & Wuerttembergische generates revenue through its diverse portfolio of financial products and services. The company earns income from insurance premiums across its life, health, and property and casualty insurance offerings. Additionally, WUW benefits from investment income generated through its asset management activities. In the banking sector, the company earns money through interest income on loans and mortgages, as well as fees associated with savings and investment products. Strategic partnerships and collaborations with other financial institutions also play a role in enhancing the company's revenue streams by expanding its market reach and product offerings.

Wuestenrot & Wuerttembergische Financial Statement Overview

Summary

Wuestenrot & Wuerttembergische demonstrates moderate financial health with stable revenues and a consistent gross profit margin but faces challenges in maintaining net profitability and efficient operations as seen in declining net profit and EBIT margins. The balance sheet is relatively strong with manageable leverage, though declining ROE is a concern. Cash flow improvements in 2024 suggest recovery, but past volatility needs close monitoring.

Income Statement

Wuestenrot & Wuerttembergische's income statement shows moderate stability with declining revenue over the last two years, although the gross profit margin remains consistent at 100% due to revenue equalling gross profit. The net profit margin decreased significantly from 2.13% in 2023 to 0.55% in 2024. EBIT and EBITDA margins are low, which might indicate efficiency issues in core operations.

Balance Sheet

The balance sheet reflects a strong equity position with a debt-to-equity ratio of 1.04 in 2024, showing moderate leverage. Return on equity (ROE) has decreased from 2.82% in 2023 to 0.69% in 2024, indicating reduced profitability relative to shareholders' equity. The equity ratio of 6.78% in 2024 suggests a relatively low portion of equity financing, consistent with industry norms.

Cash Flow

Cash flow analysis reveals volatility with an improvement in free cash flow from -178.05 million in 2023 to 265 million in 2024. The operating cash flow to net income ratio increased to 9.79 in 2024, suggesting effective cash generation relative to net income, but past fluctuations pose a risk. The free cash flow to net income ratio was 7.79 in 2024, indicating robust cash conversion.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
6.39B	6.15B	6.50B	5.36B	7.72B	6.76B
	Gross Profit
5.94B	6.15B	5.30B	5.36B	7.72B	6.76B
	EBIT
367.17M	29.00M	344.62M	351.61M	140.71M	146.55M
	EBITDA
221.29M	0.00	340.84M	403.41M	216.19M	224.02M
	Net Income Common Stockholders
42.44M	34.00M	138.66M	235.42M	350.52M	209.91M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
432.53M	24.79B	23.87B	22.64B	33.89B	38.23B
	Total Assets
75.59B	72.27B	68.68B	65.50B	75.21B	76.49B
	Total Debt
5.61B	5.09B	5.75B	5.28B	4.72B	4.03B
	Net Debt
5.30B	4.09B	4.71B	5.16B	4.65B	3.96B
	Total Liabilities
71.72B	67.34B	63.72B	61.79B	70.34B	71.40B
	Stockholders Equity
3.85B	4.90B	4.93B	3.71B	4.84B	5.04B
Cash Flow		Free Cash Flow
0.00	265.00M	-178.05M	-2.36B	-912.94M	275.13M
	Operating Cash Flow
0.00	333.00M	-108.12M	-2.23B	-795.99M	434.95M
	Investing Cash Flow
0.00	-66.00M	53.71M	2.55B	350.93M	-266.63M
	Financing Cash Flow
0.00	-333.00M	-98.22M	-102.52M	197.37M	-20.96M

Wuestenrot & Wuerttembergische Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.18
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:WUW, the sentiment is Positive. The current price of 15.18 is above the 20-day moving average (MA) of 13.94, above the 50-day MA of 13.56, and above the 200-day MA of 12.43, indicating a bullish trend. The MACD of 0.45 indicates Negative momentum. The RSI at 77.30 is Negative, neither overbought nor oversold. The STOCH value of 91.30 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DE:WUW.

Wuestenrot & Wuerttembergische Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
DBK	73 Outperform	$45.75B	10.32	6.68%	1.77%	3.36%	3.08%
MUV2	68 Neutral	€77.94B	13.91	18.25%	2.53%	6.63%	26.20%
HNR1	68 Neutral	€34.68B	15.05	21.25%	2.56%	9.08%	27.60%
WUW	64 Neutral	€1.42B	41.82	0.69%	4.29%	4.19%	-75.44%
Sector *	64 Neutral	$12.60B	9.73	7.92%	16985.68%	12.21%	-5.55%
RHK	60 Neutral	€890.28M	20.69	3.09%	―	12.23%	-8.23%