WUW Fundamental Analysis - WUESTENROT & WUERTTEMBERG

Fundamental Rating

Taking everything into account, WUW scores 3 out of 10 in our fundamental rating. WUW was compared to 39 industry peers in the Insurance industry. WUW has a bad profitability rating. Also its financial health evaluation is rather negative. WUW has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

In the past year WUW was profitable.

In the past year WUW had a positive cash flow from operations.

Each year in the past 5 years WUW has been profitable.

The reported operating cash flow has been mixed in the past 5 years: WUW reported negative operating cash flow in multiple years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.05%, WUW is doing worse than 87.18% of the companies in the same industry.

With a Return On Equity value of 0.69%, WUW is not doing good in the industry: 87.18% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.05%
ROE	0.69%
ROIC	N/A

ROA(3y)0.2%

ROA(5y)0.27%

ROE(3y)2.78%

ROE(5y)3.95%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 0.98%, WUW is doing worse than 87.18% of the companies in the same industry.

In the last couple of years the Profit Margin of WUW has declined.

WUW does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	0.98%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-42.51%

PM growth 5Y-21.31%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

WUW does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for WUW remains at a similar level compared to 1 year ago.

The number of shares outstanding for WUW remains at a similar level compared to 5 years ago.

WUW has a better debt/assets ratio than last year.

2.2 Solvency

WUW has a debt to FCF ratio of 18.04. This is a negative value and a sign of low solvency as WUW would need 18.04 years to pay back of all of its debts.

With a Debt to FCF ratio value of 18.04, WUW is not doing good in the industry: 61.54% of the companies in the same industry are doing better.

WUW has a Debt/Equity ratio of 1.04. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 1.04, WUW is not doing good in the industry: 74.36% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	1.04
Debt/FCF	18.04
Altman-Z	N/A

ROIC/WACCN/A

WACC3.07%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

WUW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -72.01%.

The earnings per share for WUW have been decreasing by -32.80% on average. This is quite bad

WUW shows a strong growth in Revenue. In the last year, the Revenue has grown by 55.84%.

Measured over the past years, WUW shows a very negative growth in Revenue. The Revenue has been decreasing by -14.60% on average per year.

EPS 1Y (TTM)-72.01%

EPS 3Y-54.03%

EPS 5Y-32.8%

EPS Q2Q%-1.88%

Revenue 1Y (TTM)55.84%

Revenue growth 3Y-20.08%

Revenue growth 5Y-14.6%

Sales Q2Q%-5.87%

3.2 Future

The Earnings Per Share is expected to grow by 74.72% on average over the next years. This is a very strong growth

The Revenue is expected to grow by 6.97% on average over the next years.

EPS Next Y213.54%

EPS Next 2Y116.51%

EPS Next 3Y74.72%

EPS Next 5YN/A

Revenue Next Year7.72%

Revenue Next 2Y6.97%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 34.78 indicates a quite expensive valuation of WUW.

87.18% of the companies in the same industry are cheaper than WUW, based on the Price/Earnings ratio.

WUW is valuated rather expensively when we compare the Price/Earnings ratio to 27.24, which is the current average of the S&P500 Index.

WUW is valuated reasonably with a Price/Forward Earnings ratio of 9.38.

WUW's Price/Forward Earnings ratio is rather cheap when compared to the industry. WUW is cheaper than 84.62% of the companies in the same industry.

WUW's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.81.

		Industry Rank	Sector Rank
PE	34.78
Fwd PE	9.38

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, WUW is valued a bit cheaper than 79.49% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	4.74
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

WUW's earnings are expected to grow with 74.72% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.16

PEG (5Y)N/A

EPS Next 2Y116.51%

EPS Next 3Y74.72%

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5. Dividend

5.1 Amount

WUW has a Yearly Dividend Yield of 4.63%, which is a nice return.

Compared to an average industry Dividend Yield of 4.28, WUW pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.34, WUW pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.63%

5.2 History

The dividend of WUW has a limited annual growth rate of 0.03%.

Dividend Growth(5Y)0.03%

Div Incr Years0

Div Non Decr Years4

5.3 Sustainability

WUW pays out 179.41% of its income as dividend. This is not a sustainable payout ratio.

WUW's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP179.41%

EPS Next 2Y116.51%

EPS Next 3Y74.72%

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WUESTENROT & WUERTTEMBERG

FRA:WUW (8/25/2025, 5:29:51 PM)

14.26

-0.18 (-1.25%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)08-14 2025-08-14

Earnings (Next)N/A N/A

Inst Owners6.28%

Inst Owner ChangeN/A

Ins Owners11.29%

Ins Owner ChangeN/A

Market Cap1.34B

Analysts82.86

Price Target18.77 (31.63%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.63%

Yearly Dividend0.65

Dividend Growth(5Y)0.03%

DP179.41%

Div Incr Years0

Div Non Decr Years4

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)0%

PT rev (3m)1.84%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)-8.04%

EPS NY rev (3m)-8.04%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	34.78
Fwd PE	9.38
P/S	0.39
P/FCF	4.74
P/OCF	3.82
P/B	0.27
P/tB	0.28
EV/EBITDA	N/A

EPS(TTM)0.41

EY2.88%

EPS(NY)1.52

Fwd EY10.66%

FCF(TTM)3.01

FCFY21.09%

OCF(TTM)3.73

OCFY26.18%

SpS36.82

BVpS52.23

TBVpS50.91

PEG (NY)0.16

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.05%
ROE	0.69%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	0.98%
GM	N/A
FCFM	8.17%

ROA(3y)0.2%

ROA(5y)0.27%

ROE(3y)2.78%

ROE(5y)3.95%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-42.51%

PM growth 5Y-21.31%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	1.04
Debt/FCF	18.04
Debt/EBITDA	N/A
Cap/Depr	61.82%
Cap/Sales	1.97%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	829.41%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC3.07%

ROIC/WACCN/A

Cap/Depr(3y)103.36%

Cap/Depr(5y)134.26%

Cap/Sales(3y)2.7%

Cap/Sales(5y)2.52%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-72.01%

EPS 3Y-54.03%

EPS 5Y-32.8%

EPS Q2Q%-1.88%

EPS Next Y213.54%

EPS Next 2Y116.51%

EPS Next 3Y74.72%

EPS Next 5YN/A

Revenue 1Y (TTM)55.84%

Revenue growth 3Y-20.08%

Revenue growth 5Y-14.6%

Sales Q2Q%-5.87%

Revenue Next Year7.72%

Revenue Next 2Y6.97%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-130.17%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y258.38%

FCF growth 3YN/A

FCF growth 5Y-21.15%

OCF growth 1Y423.7%

OCF growth 3YN/A

OCF growth 5Y-19.89%

WUESTENROT & WUERTTEMBERG (WUW.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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