Wuestenrot & Wuerttembergische AG (DE:WUW)
XETRA:WUW
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Wuestenrot & Wuerttembergische
(XETRA:WUW)
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Rating:50Neutral
Price Target:
€14.50
▲(2.11% Upside)
Action:ReiteratedDate:03/28/26
The score is held back primarily by volatile profitability and especially weak/negative cash generation in 2025 alongside higher leverage, with bearish technical signals reinforcing near-term risk. These are partially offset by a low P/E and solid dividend yield.
Positive Factors
Diversified insurance + housing-finance model
W&W’s combination of insurance operations and a building-society banking arm creates two durable revenue engines: recurring premiums and net interest income. Multi-channel distribution and cross-sell potential improve customer lifetime value and reduce reliance on any single product over months.
Negative Factors
Weak cash generation
Sharp negative operating and free cash flow undermines self-funding of claims, investments and dividends. Persistent cash outflows force reliance on external financing or asset sales, elevating liquidity and strategic execution risk over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified insurance + housing-finance model
W&W’s combination of insurance operations and a building-society banking arm creates two durable revenue engines: recurring premiums and net interest income. Multi-channel distribution and cross-sell potential improve customer lifetime value and reduce reliance on any single product over months.
Read all positive factors
Wuestenrot & Wuerttembergische (WUW) vs. iShares MSCI Germany ETF (EWG)
Market Cap
€1.36B
Dividend Yield4.49%
Average Volume (3M)17.32K
Price to Earnings (P/E)11.3
Beta (1Y)0.50
Revenue Growth4.19%
EPS Growth-75.44%
CountryDE
Employees7,570
SectorFinancial
Sector Strength70
IndustryInsurance - Life
Share Statistics
EPS (TTM)0.33
Shares Outstanding93,749,720
10 Day Avg. Volume22,125
30 Day Avg. Volume17,318
Financial Highlights & Ratios
PEG Ratio0.04
Price to Book (P/B)0.28
Price to Sales (P/S)0.20
P/FCF Ratio-0.70
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.37
Revenue Forecast (FY)€4.92B
Wuestenrot & Wuerttembergische Business Overview & Revenue Model
Company Description
Wüstenrot & Württembergische AG, together with its subsidiaries, provides insurance products and services in Germany, the Czech Republic, and internationally. It operates through Housing, Life and Health Insurance, Property/Casualty Insurance, and...
How the Company Makes Money
The group generates earnings mainly from (1) insurance operations and (2) housing-finance/banking operations.
1) Insurance (primary earnings driver)
- Premium income: W&W collects recurring premiums from policyholders across its insurance lines. ...
Wuestenrot & Wuerttembergische Financial Statement Overview
Summary
Income Statement
56
Neutral
Balance Sheet
63
Positive
Cash Flow
34
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Mar 2023 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 5.92B | 6.94B | 6.15B | 5.99B | 4.27B | 7.72B |
| Gross Profit | 5.81B | 6.94B | 5.94B | 5.67B | 3.95B | 6.90B |
| EBITDA | 122.00M | 400.00M | 139.00M | 287.00M | 392.86M | 986.70M |
| Net Income | 139.00M | 121.00M | 34.00M | 139.00M | 235.42M | 350.52M |
Balance Sheet | ||||||
| Total Assets | 72.84B | 74.29B | 72.27B | 68.68B | 65.50B | 75.21B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 0.00 | 24.79B | 23.87B | 22.64B | 33.89B |
| Total Debt | 6.45B | 8.24B | 5.09B | 5.75B | 5.28B | 4.72B |
| Total Liabilities | 67.85B | 69.33B | 67.34B | 63.72B | 61.79B | 70.34B |
| Stockholders Equity | 4.96B | 4.93B | 4.90B | 4.93B | 4.86B | 4.84B |
Cash Flow | ||||||
| Free Cash Flow | 1.27B | -1.95B | 265.00M | -178.05M | -2.36B | -912.94M |
| Operating Cash Flow | 1.29B | -1.90B | 333.00M | -108.12M | -2.23B | -795.99M |
| Investing Cash Flow | -759.00M | -1.07B | -66.00M | 53.71M | 2.55B | 350.93M |
| Financing Cash Flow | -74.00M | 3.09B | -333.00M | -98.22M | -102.52M | 197.37M |
Wuestenrot & Wuerttembergische Technical Analysis
Negative
14.20
Price Trends
15.66
Negative
15.02
Negative
14.50
Negative
Market Momentum
-0.53
Positive
33.30
Neutral
24.46
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:WUW, the sentiment is Negative. The current price of 14.2 is below the 20-day moving average (MA) of 15.46, below the 50-day MA of 15.66, and below the 200-day MA of 14.50, indicating a bearish trend. The MACD of -0.53 indicates Positive momentum. The RSI at 33.30 is Neutral, neither overbought nor oversold. The STOCH value of 24.46 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for DE:WUW.
Wuestenrot & Wuerttembergische Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | €29.35B | 11.85 | 19.71% | 2.37% | 3.70% | 24.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | €304.98M | 33.59 | 8.98% | 5.18% | 11.99% | -38.09% | |
65 Neutral | €1.39B | 3.11 | -0.98% | 0.12% | -1.28% | -153.13% | |
50 Neutral | €1.36B | 11.26 | 2.43% | 4.49% | 4.19% | -75.44% | |
49 Neutral | €796.90M | 13.59 | 9.58% | 5.21% | 2.33% | 1.58% |
* Financial Sector Average
DE:WUW
Wuestenrot & Wuerttembergische
14.48
2.43
20.21%
DE:MLP
MLP AG
7.29
0.84
13.11%
DE:O4B
OVB Holding
21.40
0.75
3.62%
DE:TLX
Talanx AG
113.70
29.42
34.91%
DE:NBG6
Nuernberger Beteiligungs AG Class B
121.00
78.22
182.84%
DE:DFV
DFV Deutsche Familienversicherung AG
7.20
0.95
15.20%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.