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Wuestenrot & Wuerttembergische (WUW) Stock Price & Analysis
WUW Stock Chart & Stats
- Day’s Range
- EUR 13.02 - EUR 13.18
- 52-Week Range
- EUR 13.02 - EUR 16.76
- Previous Close
- EUR 13.12
- Volume
- 4,930
- Average Volume (3M)
- 50.73K
- Market Cap
- EUR 1.22B
- Enterprise Value
- EUR 10.93B
- Total Cash (Recent Filing)
- EUR 23.89B
- Total Debt (Recent Filing)
- EUR 9.53B
- Price to Earnings (P/E)
- 9.0
- Beta
- 0.53
- Next Earnings
- Nov 13, 2026 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- May 14, 2026
- Dividend Yield
- 4.98%
Bulls Say, Bears Say
Bulls Say
Diversified Insurance And Housing-finance Model
Operating across insurance and housing finance gives W&W two distinct earnings engines, combining underwriting and investment income with lending and savings economics. This diversification can reduce reliance on one product area and supports cross-selling across customer relationships over the medium term.
Meaningful Asset And Equity Scale
W&W's substantial asset base and meaningful equity cushion provide operating scale for its insurance and housing-finance activities. This capital foundation can support customer obligations, ongoing distribution, and measured business investment, although returns on that capital remain an important constraint.
Strong Latest-period Revenue Growth
The 17.2% latest-period revenue increase indicates stronger business volume or revenue contribution across the group. If maintained, this growth can broaden the earnings base, improve operating leverage, and create more capacity to absorb fixed costs across W&W's established financial-services platform.
Bears Say
Sharply Negative And Volatile Cash Generation
The sharp swing to deeply negative operating and free cash flow makes liquidity and capital planning less predictable. Repeated large negative periods in earlier years suggest the issue is not isolated, potentially limiting internally funded growth and increasing reliance on balance-sheet resources.
Material Increase In Debt
The marked increase in debt reduces financial flexibility relative to the prior year and can raise the burden of servicing and refinancing obligations. Higher leverage may constrain capital allocation across insurance and housing finance, particularly when cash generation is already volatile.
Thin And Inconsistent Profitability
Although earnings improved in 2025, the wide variation in net income and previously compressed margins show that profitability is not yet consistently stable. This weakens confidence in recurring earnings power and may limit the group's ability to compound returns from its sizable capital base.
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Wuestenrot & Wuerttembergische Stock Smart Score
Company Description
Wuestenrot & Wuerttembergische
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.
- Sector
- General
- Industry
- Insurance - Life
- CEO
- Jurgen Albert Junker
- Employees
- 7,625
- Website
- www.ww-ag.com
- Address
- W&W-Platz 1, Kornwestheim, BW, 70806, DE
Wuestenrot & Wuerttembergische (WUW) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 4 | 3 | 15 |
| Technical Analysis | 4 | 3 | 3 |
| Moving Averages | 0 | 0 | 12 |