Wuestenrot & Wuerttembergische (WUW) AI Stock Analysis

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Wuestenrot & Wuerttembergische

(XETRA:WUW)

Select Model

Rating:55Neutral

Price Target:EUR 13.50▲(1.50% Upside)

Action:reiterated

Date:11/05/26

The score is held back primarily by financial risk factors—especially sharply negative and volatile cash flow and increased leverage—despite solid recent revenue growth. Technical indicators also point to a weak trend (below key moving averages with negative MACD). Offsetting these, valuation is attractive with a low P/E and a high dividend yield.

Positive Factors

Recent Revenue GrowthThe 17.2% increase in annual revenue indicates stronger business volume across W&W’s activities and provides a constructive foundation for earnings growth. If maintained, this expansion can improve operating scale, support investment in distribution, and strengthen the group’s competitive position over the next several quarters.

Negative Factors

Higher LeverageThe sharp increase in debt reduces financial flexibility and raises the importance of disciplined capital management. Higher leverage can constrain future investment or distributions, increase sensitivity to financing conditions, and make it harder for W&W to absorb operating or market volatility without using additional balance-sheet capacity.

Wuestenrot & Wuerttembergische (WUW) vs. iShares MSCI Germany ETF (EWG)

Market Cap: EUR 1.24B
Dividend Yield: 4.89%
Average Volume (3M): 38.44K
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

Income statement shows strong recent revenue growth (+17.2%) but profits are thin and volatile across years. Balance sheet has meaningful scale and equity, but leverage rose notably in 2025 with higher debt, reducing flexibility. Cash flow is the major weakness with sharply negative operating and free cash flow in 2025 and repeated volatility in prior years.

Income Statement

56Neutral

Balance Sheet

63Positive

Cash Flow

34Negative

Financial statement breakdown
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

Technical Analysis SentimentNeutral

Last Price13.30

Price Trends

50DMA13.57Negative

100DMA14.07Negative

200DMA14.38Negative

Market Momentum

MACD-0.07Negative

RSI50.22Neutral

STOCH59.42Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:WUW, the sentiment is Neutral. The current price of 13.30 is above the 20-day moving average (MA) of 13.19, below the 50-day MA of 13.57, and below the 200-day MA of 14.38, indicating a neutral trend. The MACD of -0.07 indicates Negative momentum. The RSI at 50.22 is Neutral, neither overbought nor oversold. The STOCH value of 59.42 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for DE:WUW.

Wuestenrot & Wuerttembergische Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

DE:WUW against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
DE:TLX	76Outperform	EUR 33.79B	12.96	25.67%	2.75%	2.06%	15.31%
DE:O4B	69Neutral	EUR 270.77M	19.89	14.10%	3.97%	6.98%	16.80%
DE:MLP	63Neutral	EUR 1.28B	18.63	11.68%	3.07%	3.69%	15.26%
DE:NBG6	57Neutral	EUR 1.42B	31.59	5.09%	1.62%	-0.95%	―
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
DE:WUW	55Neutral	EUR 1.24B	9.21	2.73%	4.89%	―	―

* General Sector Average

Performance Comparison

DE:WUW and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
DE:WUW	Wuestenrot & Wuerttembergische	13.30	-0.07	-0.52%
DE:MLP	MLP AG	11.74	5.60	91.14%
DE:O4B	Ovb Holding Ag	18.90	0.37	2.01%
DE:TLX	Talanx AG	130.90	22.46	20.71%
DE:NBG6	Nuernberger Beteiligungs AG Class B	123.50	5.50	4.66%

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.

Date of analysis: Nov 04, 2026

Wuestenrot & Wuerttembergische AI Stock Analysis