WUESTENROT & WUERTTEMBERG (WUW.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:WUW - DE0008051004 - Common Stock
14.54 EUR
-0.14 (-0.95%)
Taking everything into account, WUW scores 3 out of 10 in our fundamental rating. WUW was compared to 47 industry peers in the Insurance industry. WUW may be in some trouble as it scores bad on both profitability and health. WUW has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
WUW had positive earnings in the past year.
WUW had a positive operating cash flow in the past year.
In the past 5 years WUW has always been profitable.
In multiple years WUW reported negative operating cash flow during the last 5 years.
1.2 Ratios
WUW has a worse Return On Assets (0.05%) than 89.36% of its industry peers.
WUW has a Return On Equity of 0.69%. This is amonst the worse of the industry: WUW underperforms 89.36% of its industry peers.
| 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
With a Profit Margin value of 1.13%, WUW is not doing good in the industry: 87.23% of the companies in the same industry are doing better.
WUW's Profit Margin has declined in the last couple of years.
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) | 1.13% | ||
| 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
2. Health
2.1 Basic Checks
WUW does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, WUW has about the same amount of shares outstanding.
The number of shares outstanding for WUW remains at a similar level compared to 5 years ago.
Compared to 1 year ago, WUW has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of WUW is 3.18, which is a good value as it means it would take WUW, 3.18 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of WUW (3.18) is comparable to the rest of the industry.
A Debt/Equity ratio of 1.32 is on the high side and indicates that WUW has dependencies on debt financing.
WUW has a Debt to Equity ratio of 1.32. This is amonst the worse of the industry: WUW underperforms 82.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.32 | ||
| Debt/FCF | 3.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC3.1%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for WUW have decreased strongly by -75.47% in the last year.
WUW shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -32.80% yearly.
WUW shows a decrease in Revenue. In the last year, the revenue decreased by -2.83%.
The Revenue for WUW have been decreasing by -14.60% on average. This is quite bad
EPS 1Y (TTM)-75.47%
EPS 3Y-54.03%
EPS 5Y-32.8%
EPS Q2Q%239.3%
Revenue 1Y (TTM)-2.83%
Revenue growth 3Y-20.08%
Revenue growth 5Y-14.6%
Sales Q2Q%98.75%
3.2 Future
WUW is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 76.74% yearly.
WUW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.48% yearly.
EPS Next Y158.33%
EPS Next 2Y113.76%
EPS Next 3Y76.74%
EPS Next 5YN/A
Revenue Next Year-1.34%
Revenue Next 2Y4.25%
Revenue Next 3Y4.48%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 40.39, WUW can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of WUW indicates a rather expensive valuation: WUW more expensive than 89.36% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of WUW to the average of the S&P500 Index (26.77), we can say WUW is valued expensively.
With a Price/Forward Earnings ratio of 6.56, the valuation of WUW can be described as very cheap.
Based on the Price/Forward Earnings ratio, WUW is valued cheaply inside the industry as 97.87% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.35. WUW is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.39 | ||
| Fwd PE | 6.56 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, WUW is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.66 | ||
| 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.
A more expensive valuation may be justified as WUW's earnings are expected to grow with 76.74% in the coming years.
PEG (NY)0.26
PEG (5Y)N/A
EPS Next 2Y113.76%
EPS Next 3Y76.74%
5. Dividend
5.1 Amount
WUW has a Yearly Dividend Yield of 4.50%, which is a nice return.
WUW's Dividend Yield is a higher than the industry average which is at 3.90.
WUW's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.5% |
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.
The dividend of WUW is growing, but earnings are growing more, so the dividend growth is sustainable.
DP179.41%
EPS Next 2Y113.76%
EPS Next 3Y76.74%
FRA:WUW (12/30/2025, 7:00:00 PM)
14.54
-0.14 (-0.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners6.08%
Inst Owner ChangeN/A
Ins Owners11.29%
Ins Owner ChangeN/A
Market Cap1.36B
Revenue(TTM)3.02B
Net Income(TTM)34.00M
Analysts82.86
Price Target18.43 (26.75%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.5% |
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)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-18.95%
EPS NY rev (3m)-18.95%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.49%
Revenue NY rev (3m)-1.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.39 | ||
| Fwd PE | 6.56 | ||
| P/S | 0.45 | ||
| P/FCF | 0.66 | ||
| P/OCF | 0.64 | ||
| P/B | 0.28 | ||
| P/tB | 0.28 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.36
EY2.48%
EPS(NY)2.22
Fwd EY15.24%
FCF(TTM)22.04
FCFY151.56%
OCF(TTM)22.6
OCFY155.45%
SpS32.21
BVpS52.85
TBVpS51.65
PEG (NY)0.26
PEG (5Y)N/A
Graham Number20.69
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) | 1.13% | ||
| GM | N/A | ||
| FCFM | 68.41% |
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
ROICexgc growth 3YN/A
ROICexgc 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 Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.32 | ||
| Debt/FCF | 3.18 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 48.18% | ||
| Cap/Sales | 1.75% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 6076.47% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC3.1%
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)-75.47%
EPS 3Y-54.03%
EPS 5Y-32.8%
EPS Q2Q%239.3%
EPS Next Y158.33%
EPS Next 2Y113.76%
EPS Next 3Y76.74%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.83%
Revenue growth 3Y-20.08%
Revenue growth 5Y-14.6%
Sales Q2Q%98.75%
Revenue Next Year-1.34%
Revenue Next 2Y4.25%
Revenue Next 3Y4.48%
Revenue Next 5YN/A
EBIT growth 1Y-29.15%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y355.67%
FCF growth 3YN/A
FCF growth 5Y-21.15%
OCF growth 1Y396.17%
OCF growth 3YN/A
OCF growth 5Y-19.89%
WUESTENROT & WUERTTEMBERG / WUW.DE FAQ
What is the ChartMill fundamental rating of WUESTENROT & WUERTTEMBERG (WUW.DE) stock?
ChartMill assigns a fundamental rating of 3 / 10 to WUW.DE.
What is the valuation status of WUESTENROT & WUERTTEMBERG (WUW.DE) stock?
ChartMill assigns a valuation rating of 6 / 10 to WUESTENROT & WUERTTEMBERG (WUW.DE). This can be considered as Fairly Valued.
Can you provide the profitability details for WUESTENROT & WUERTTEMBERG?
WUESTENROT & WUERTTEMBERG (WUW.DE) has a profitability rating of 2 / 10.
What are the PE and PB ratios of WUESTENROT & WUERTTEMBERG (WUW.DE) stock?
The Price/Earnings (PE) ratio for WUESTENROT & WUERTTEMBERG (WUW.DE) is 40.39 and the Price/Book (PB) ratio is 0.28.
Can you provide the financial health for WUW stock?
The financial health rating of WUESTENROT & WUERTTEMBERG (WUW.DE) is 2 / 10.