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Wüstenrot & Württembergische AG (WUW.DE)

EUR14.80 -0.12 (-0.80%)
DE XETRA Financial Services Insurance - Life
Address Gutenbergstraße 30 70176
Stuttgart, DE
CEO Jurgen Albert Junker
Website ww-ag.com
IPO 1999-09-13
ISIN DE0008051004

Explore sections of this company profile

Also trades on Deutsche Börse · WUW.DE (EUR) Other OTC · WWUEY (USD) Swiss Exchange · WUW.SW (EUR)
Description

Wüstenrot & Württembergische AG (W&W), along with its affiliated companies, offers a range of insurance and financial services across Germany, the Czech Republic, and other global markets. Its operations are categorized into four principal divisions: Housing, Life and Health Insurance, Property/Casualty Insurance, and the 'All Other' segment. The Housing division focuses on providing savings and banking solutions, predominantly to individual clients, including home loan savings schemes, interim financing, and home mortgages. In the Life and Health Insurance sector, the company delivers various policies for both private individuals and organizations. These encompass traditional and investment-linked life and annuity plans, term life coverage, Riester and basic pension schemes (both conventional and unit-linked), and protection against occupational disability. Additionally, it provides comprehensive and supplementary private health coverage, alongside long-term care insurance. The Property/Casualty Insurance division offers a broad spectrum of protection for both personal and business clients. Its offerings include general liability, accident, automobile, home contents, property damage (for residential buildings), legal protection, shipping, and technical equipment insurance. The 'All Other' segment encompasses asset management and real estate development activities, in addition to promoting its housing-related savings and banking products. Product and service distribution is managed through a diverse network, utilizing external partners, independent brokers, an in-house mobile sales team, and digital platforms. Established in 1828, W&W maintains its corporate headquarters in Stuttgart, Germany.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR14.80 -0.12 (-0.80%)
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Volume Profile
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Liquidity & share structure
Average Volume
33.6K
Beta
0.71
Float Shares
21.63M
Free Float %
23.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.41% +0.00% -0.67% -10.99% +4.24% -0.41% +5.59% -6.83% -22.67% -21.55% -53.92%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
14.80
DCF (Unlevered) 132.91 +798.1%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 1 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.59
Distress
Piotroski F-Score
6 / 9
Average
MOAT Score
4 / 10
Developing
Composite Rating
D+
Overall Score
1 / 5
Low
DCF Score
1 / 5
Low
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • ✓
    Revenue growth Insurance - Life: +10.6%
    +12.7% ★ Q4'25: -8.3% (vs Q4'24)
  • ✓
    EPS growth Insurance - Life: +13.4%
    +258.3% ★ Q4'25: -46.9% (vs Q4'24)
  • ✗
    FCF margin FCF growth · Insurance - Life: +31.7%
    -38.0% Q4'25: -11.4% (vs Q4'24)
  • ✗
    EBIT margin Insurance - Life: +12.4%
    +4.5% Q4'25: +0.0% (vs Q4'24)
  • ✓
    ROIC Insurance - Life: +1.0%
    — Q4'25: +0.0% (vs Q4'24)
  • ✗
    Share dilution Insurance - Life: +0.4%
    +0.1% Q4'25: +0.2% (vs Q4'24)
  • ✗
    Debt / EBITDA Net debt/EBITDA · Insurance - Life: -1.05×
    20.61× ★
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.72) × ERP
WACC = 14% × Ke + 86% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 132.91 Current price: 14.80
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2000
actual 		Dec 2001
actual 		Dec 2013
actual 		Dec 2014
actual 		Dec 2015
actual 		Dec 2016
actual 		Dec 2017
actual 		Dec 2018
actual 		Dec 2019
actual 		Dec 2020
actual 		Dec 2021
actual 		Dec 2022
actual 		Dec 2023
actual 		Dec 2024
actual 		Dec 2025
actual 		Dec 2026
1 Rev. Ana.
1 EPS Ana. 		Dec 2027
1 Rev. Ana.
1 EPS Ana. 		Dec 2028
1 Rev. Ana.
Revenue
2.79B
est.
3.18B
est.
7.35B
est: 6.04B (+21.6%)
7.57B
est: 5.86B (+29.2%)
7.41B
est: 6.08B (+22.0%)
7.05B
est: 6.10B (+15.6%)
6.15B
est: 5.88B (+4.5%)
5.75B
est: 5.60B (+2.7%)
7.05B
est: 5.79B (+21.8%)
6.76B
est: 4.72B (+43.4%)
7.72B
est: 5.81B (+33.0%)
4.27B
est: 5.50B (-22.3%)
5.99B
est: 3.65B (+64.0%)
6.15B
est: 4.35B (+41.5%)
6.94B
est: 4.54B (+52.9%)
4.80B
4.80B – 4.80B
+5.7% YoY
4.99B
4.99B – 4.99B
+4.1% YoY
4.89B
4.89B – 4.89B
-2.1% YoY
EBITDA
232.42M
est.
260.14M
est.
1.11B
est: 494.12M (+124.9%)
1.26B
est: 478.93M (+163.2%)
1.17B
est: -357.91M (+426.0%)
1.03B
est: -343.04M (+401.1%)
944.04M
est: 628.47M (+50.2%)
964.18M
est: 420.94M (+129.1%)
1.05B
est: 613.67M (+71.7%)
856.34M
est: 649.92M (+31.8%)
986.70M
est: 658.06M (+49.9%)
392.86M
est: 667.38M (-41.1%)
287.00M
est: 667.61M (-57.0%)
139.00M
est: 302.66M (-54.1%)
400.00M
est: 315.68M (+26.7%)
333.79M
333.79M – 333.79M
+5.7% YoY
347.33M
347.33M – 347.33M
+4.1% YoY
340.15M
340.15M – 340.15M
-2.1% YoY
EBIT
193.02M
est.
216.04M
est.
985.40M
est: 410.36M (+140.1%)
1.17B
est: 397.75M (+194.4%)
1.08B
est: 799.35M (+34.6%)
969.53M
est: 1.08B (-10.4%)
879.45M
est: 153.19M (+474.1%)
902.97M
est: 112.69M (+701.3%)
968.38M
est: 137.62M (+603.7%)
778.87M
est: 137.33M (+467.2%)
911.22M
est: 139.05M (+555.3%)
317.25M
est: 141.02M (+125.0%)
204.00M
est: 141.07M (+44.6%)
29.00M
est: 239.86M (-87.9%)
310.00M
est: 250.18M (+23.9%)
264.53M
264.53M – 264.53M
+5.7% YoY
275.26M
275.26M – 275.26M
+4.1% YoY
269.57M
269.57M – 269.57M
-2.1% YoY
Net Income
73.51M
est.
-72.25M
est.
143.14M
est: 135.62M (+5.5%)
233.38M
est: 231.84M (+0.7%)
270.35M
est: 159.29M (+69.7%)
232.92M
est: 271.92M (-14.3%)
256.64M
est: 282.66M (-9.2%)
214.21M
est: 211.31M (+1.4%)
248.08M
est: 229.50M (+8.1%)
209.91M
est: 247.09M (-15.0%)
350.53M
est: 250.19M (+40.1%)
235.42M
est: 253.73M (-7.2%)
139.00M
est: 253.82M (-45.2%)
34.00M
est: 25.02M (+35.9%)
121.00M
est: 120.11M (+0.7%)
198.88M
198.88M – 198.88M
+65.6% YoY
246.03M
246.03M – 246.03M
+23.7% YoY
—
— – —
-100.0% YoY
SGA
-14.68M
est.
-16.44M
est.
510.81M
est: 871.15M (-41.4%)
468.73M
est: -30.26M (+1,649.0%)
566.82M
est: 1.14B (-50.3%)
528.21M
est: 1.67B (-68.4%)
4.05B
est: 2.01B (+100.9%)
422.89M
est: 1.37B (-69.1%)
381.55M
est: 1.83B (-79.1%)
337.66M
est: 1.72B (-80.4%)
348.68M
est: 1.74B (-80.0%)
-214.26M
est: 1.77B (-112.1%)
-196.00M
est: 1.77B (-111.1%)
-237.00M
est: -99.45M (-138.3%)
-264.00M
est: -103.73M (-154.5%)
-109.67M
-109.67M – -109.67M
-5.7% YoY
-114.12M
-114.12M – -114.12M
-4.1% YoY
-111.76M
-111.76M – -111.76M
+2.1% YoY
EPS
0.78
est.
-0.77
est.
1.56
est: 1.44 (+8.4%)
2.52
est: 2.46 (+2.5%)
2.88
est: 2.82 (+2.0%)
2.49
est: 2.52 (-1.1%)
2.74
est: 2.83 (-3.1%)
2.29
est: 2.29 (+0.0%)
2.65
est: 2.73 (-3.0%)
2.24
est: 2.13 (+5.3%)
3.74
est: 3.78 (-1.1%)
2.51
est: 2.56 (-1.9%)
1.48
est: 1.62 (-8.6%)
0.36
est: 0.27 (+34.8%)
1.29
est: 1.28 (+0.7%)
2.12
2.12 – 2.12
+65.6% YoY
2.63
2.63 – 2.63
+23.7% YoY
—
— – —
-100.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-28 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-27 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-26 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-25 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-22 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-21 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-20 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-19 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-18 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-15 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-14 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-13 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-12 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-11 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-08 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-07 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-06 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-05 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-04 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-30 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-29 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-28 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-27 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-24 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-23 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-22 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-21 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-20 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-17 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-16 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.27B
OE per share TTM
13.51
Owner's Yield
91.64%
Maintenance CapEx ratio
23.48%
Maint CapEx / Avg PPE
7.8%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 67 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Amundi SDAX UCITS ETF Dist C005.DE 0.75% 1.33M 0.70%
2 WisdomTree Europe SmallCap Dividend UCITS ETF WTES.DE 0.12% 112.0K 0.38%
3 WisdomTree Europe SmallCap Dividend UCITS ETF Acc DFEA.L 0.12% 112.0K 0.38%
4 State Street SPDR MSCI Europe Small Cap Value Weighted UCITS ETF EUR Acc ZPRX.DE 0.09% 704.6K 0.30%
5 iShares MSCI EMU Small Cap UCITS ETF CES1.L 0.06% 646.4K 0.58%
6 UBS MSCI EMU Small Cap UCITS ETF EUR dis UEFD.DE 0.06% 420.5K 0.33%
7 Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF Dist X026.DE 0.05% 159.7K 0.23%
8 Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF Acc CEM.PA 0.05% 159.7K 0.23%
9 Dimensional - International Small Cap Value ETF DISV 0.05% 2.20M 0.42%
10 Amundi MSCI EMU Small Cap ESG Broad Transition UCITS ETF Dist MMS.PA 0.04% 289.5K 0.40%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
41.0K
Shares Outstanding
93.75M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Jürgen Albert Junker Chief Executive Officer, Chairman of the Management Board & Director of HR 2M male
Jens Wieland Chief Information Officer & Member of Management Board 344.7K male
Matthias Schell Head of Group Accounting 12.0K male
Matthias Bogk Chief Financial Officer, Chief Risk Officer & Member of the Executive Board — male
Michael Ellwanger Head of Investor Relations — male
Bernd Hertweck Member of Management Board & Head of Housing Division — male
Zeliha Hanning Member of Management Board and Head of Property & Casualty Insurance Division — female
Jacques Wasserfall Member of Management Board and Head of Life & Health Insurance Division — male
Margret Obladen Head of Corporate Law — —
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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