WUESTENROT & WUERTTEMBERG (WUW.DE) Stock Fundamental Analysis
Europe - FRA:WUW - DE0008051004 - Common Stock
13.82 EUR
+0.18 (+1.32%)
Overall WUW gets a fundamental rating of 3 out of 10. We evaluated WUW against 40 industry peers in the Insurance industry. Both the profitability and financial health of WUW have multiple concerns. WUW is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year WUW was profitable.
WUW had a positive operating cash flow in the past year.
WUW had positive earnings in each of the past 5 years.
In multiple years WUW reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of WUW (0.05%) is worse than 85.00% of its industry peers.
WUW's Return On Equity of 0.69% is on the low side compared to the rest of the industry. WUW is outperformed by 85.00% 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
The Profit Margin of WUW (1.13%) is worse than 85.00% of its industry peers.
WUW's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for WUW so they could not be analyzed.
| 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.
The number of shares outstanding for WUW remains at a similar level compared to 1 year ago.
WUW has about the same amout of shares outstanding than it did 5 years ago.
Compared to 1 year ago, WUW has an improved debt to assets ratio.
2.2 Solvency
WUW has a debt to FCF ratio of 3.18. This is a good value and a sign of high solvency as WUW would need 3.18 years to pay back of all of its debts.
With a Debt to FCF ratio value of 3.18, WUW perfoms like the industry average, outperforming 57.50% of the companies in the same 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 worse Debt to Equity ratio (1.32) than 77.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.32 | ||
| Debt/FCF | 3.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC2.99%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
WUW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -75.47%.
Measured over the past years, WUW shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -32.80% on average per year.
The Revenue has decreased by -2.83% in the past year.
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)-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
The Earnings Per Share is expected to grow by 69.08% on average over the next years. This is a very strong growth
WUW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.47% yearly.
EPS Next Y218.75%
EPS Next 2Y112.38%
EPS Next 3Y69.08%
EPS Next 5YN/A
Revenue Next Year0.15%
Revenue Next 2Y4.19%
Revenue Next 3Y4.47%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 38.39 indicates a quite expensive valuation of WUW.
Based on the Price/Earnings ratio, WUW is valued more expensive than 85.00% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.90, WUW is valued a bit more expensive.
A Price/Forward Earnings ratio of 6.32 indicates a rather cheap valuation of WUW.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WUW indicates a rather cheap valuation: WUW is cheaper than 100.00% of the companies listed in the same industry.
WUW is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.36, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 38.39 | ||
| Fwd PE | 6.32 |
4.2 Price Multiples
WUW's Price/Free Cash Flow ratio is rather cheap when compared to the industry. WUW is cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.63 | ||
| 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 69.08% in the coming years.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y112.38%
EPS Next 3Y69.08%
5. Dividend
5.1 Amount
WUW has a Yearly Dividend Yield of 4.79%, which is a nice return.
WUW's Dividend Yield is comparable with the industry average which is at 4.56.
WUW's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.79% |
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
179.41% of the earnings are spent on dividend by WUW. 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 2Y112.38%
EPS Next 3Y69.08%
FRA:WUW (10/6/2025, 5:27:31 PM)
13.82
+0.18 (+1.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners6.04%
Inst Owner ChangeN/A
Ins Owners11.29%
Ins Owner ChangeN/A
Market Cap1.30B
Analysts82.86
Price Target18.43 (33.36%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.79% |
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)-1.81%
PT rev (3m)-1.81%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.66%
EPS NY rev (3m)-6.52%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-7.03%
Revenue NY rev (3m)-7.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 38.39 | ||
| Fwd PE | 6.32 | ||
| P/S | 0.43 | ||
| P/FCF | 0.63 | ||
| P/OCF | 0.61 | ||
| P/B | 0.26 | ||
| P/tB | 0.27 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.36
EY2.6%
EPS(NY)2.19
Fwd EY15.82%
FCF(TTM)22.04
FCFY159.46%
OCF(TTM)22.6
OCFY163.55%
SpS32.21
BVpS52.85
TBVpS51.65
PEG (NY)0.18
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) | 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
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 Turnover0.04
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
WACC2.99%
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 Y218.75%
EPS Next 2Y112.38%
EPS Next 3Y69.08%
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 Year0.15%
Revenue Next 2Y4.19%
Revenue Next 3Y4.47%
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%