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Wuestenrot & Wuerttembergische (WUW) AI Stock Analysis
Wuestenrot & Wuerttembergische
(XETRA:WUW)
The overall score is heavily pressured by poor financial performance, particularly the deeply negative cash flow and increased leverage, which signal high financial risk. Technical analysis confirms a bearish trend with weak momentum. A low P/E ratio and high dividend yield provide some valuation support, but this is likely a value trap given the underlying financial instability.
Wuestenrot & Wuerttembergische (WUW) vs. iShares MSCI Germany ETF (EWG)
- Market Cap
- EUR 1.24B
- Dividend Yield
- 4.87%
- Average Volume (3M)
- 36.82K
- Price to Earnings (P/E)
- 9.2
- Beta (1Y)
- 0.53
- Revenue Growth
- ―
- EPS Growth
- ―
- Country
- Germany
- Employees
- 7,625
- Sector
- General
- Sector Strength
- 55
- Industry
- Insurance - Life
Wuestenrot & Wuerttembergische Business Overview & Revenue Model
Company 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:...
How the Company Makes Money
W&W generates earnings mainly from two pillars—insurance and housing finance—each with distinct revenue mechanics: 1) Insurance (life, health, and property/casualty) - Premium income: The core top-line source is insurance premiums paid by policyholde...
Wuestenrot & Wuerttembergische Financial Statement Overview
Summary
Revenue growth of 17.2% and improved net income are positive, but the overall financial health is weak. The Income Statement (45), Balance Sheet (35), and Cash Flow (25) scores reflect low profitability, increased leverage, and deeply negative operating cash flow, indicating significant financial risk and instability.
Income Statement
45NeutralBalance Sheet
35NegativeCash Flow
25Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Mar 2023 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 5.79B | 5.77B | 6.15B | 5.99B | 4.27B | 7.72B |
| Gross Profit | 5.79B | 5.55B | 5.94B | 5.67B | 3.95B | 6.90B |
| EBITDA | 101.00M | 400.00M | 135.00M | 283.00M | 392.17M | 986.70M |
| Net Income | 135.00M | 121.00M | 34.00M | 139.00M | 235.42M | 350.52M |
Balance Sheet | ||||||
| Total Assets | 74.98B | 74.29B | 72.27B | 68.68B | 65.50B | 75.21B |
| Cash, Cash Equivalents and Short-Term Investments | 23.89B | 23.34B | 24.79B | 23.87B | 88.00K | 72.14M |
| Total Debt | 9.53B | 8.24B | 5.09B | 5.75B | 5.28B | 4.72B |
| Total Liabilities | 69.97B | 67.58B | 67.34B | 63.72B | 61.79B | 70.34B |
| Stockholders Equity | 4.98B | 4.93B | 4.90B | 4.93B | 4.86B | 4.84B |
Cash Flow | ||||||
| Free Cash Flow | 528.00M | -1.95B | 265.00M | -178.05M | -2.36B | -912.94M |
| Operating Cash Flow | 580.00M | -1.90B | 333.00M | -108.12M | -2.23B | -795.99M |
| Investing Cash Flow | -922.00M | -1.07B | -66.00M | 53.71M | 2.55B | 350.93M |
| Financing Cash Flow | 202.00M | 3.09B | -333.00M | -98.22M | -102.52M | 197.37M |
Wuestenrot & Wuerttembergische Technical Analysis
Price Trends
Market Momentum
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 13.34 is above the 20-day moving average (MA) of 13.17, below the 50-day MA of 13.68, and below the 200-day MA of 14.41, indicating a neutral trend. The MACD of -0.13 indicates Negative momentum. The RSI at 47.38 is Neutral, neither overbought nor oversold. The STOCH value of 47.89 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DE:WUW.
Wuestenrot & Wuerttembergische Peers Comparison
Overall Rating
DE:TLX87Outperform
DE:MLP64Neutral
DE:O4B63Neutral
DE:NBG657Neutral- DE:WUW45.6Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| DE:TLX | 87Outperform | EUR 34.41B | 13.34 | 25.67% | 2.67% | 2.06% | 15.31% |
| DE:MLP | 64Neutral | EUR 1.25B | 18.06 | 11.68% | 3.16% | 3.69% | 15.26% |
| DE:O4B | 63Neutral | EUR 270.77M | 23.63 | 12.11% | 3.97% | 5.46% | -11.82% |
| DE:NBG6 | 57Neutral | EUR 1.41B | 31.20 | 5.09% | 1.64% | -0.95% | ― |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| DE:WUW | 46Neutral | EUR 1.24B | 9.23 | 2.73% | 4.87% | ― | ― |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| DE:WUW | Wuestenrot & Wuerttembergische | 13.34 | 0.03 | 0.21% | |
| DE:MLP | MLP AG | 11.38 | 5.43 | 91.23% | |
| DE:O4B | Ovb Holding Ag | 18.90 | 0.47 | 2.55% | |
| DE:TLX | Talanx AG | 134.70 | 32.55 | 31.86% | |
| DE:NBG6 | Nuernberger Beteiligungs AG Class B | 122.00 | 4.00 | 3.39% |
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.
Date of analysis: Nov 04, 2026