WUESTENROT & WUERTTEMBERG (WUW.DE) Stock Fundamental Analysis
FRA:WUW - Deutsche Boerse Ag - DE0008051004 - Common Stock - Currency: EUR
WUW gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 38 industry peers in the Insurance industry. WUW may be in some trouble as it scores bad on both profitability and health. WUW has a correct valuation and a medium growth rate.
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.
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
The Return On Assets of WUW (0.05%) is worse than 84.21% of its industry peers.
The Return On Equity of WUW (0.69%) is worse than 84.21% 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 0.98%, WUW is not doing good in the industry: 78.95% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of WUW has declined.
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) | 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
2. Health
2.1 Basic Checks
WUW does not have a ROIC to compare to the WACC, probably because it is not profitable.
WUW has about the same amout of shares outstanding than it did 1 year ago.
WUW has about the same amout of shares outstanding than it did 5 years ago.
The debt/assets ratio for WUW has been reduced compared to a year ago.
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.
WUW has a Debt to FCF ratio of 18.04. This is in the lower half of the industry: WUW underperforms 68.42% of its industry peers.
A Debt/Equity ratio of 1.04 is on the high side and indicates that WUW has dependencies on debt financing.
WUW has a worse Debt to Equity ratio (1.04) than 71.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.04 | ||
| Debt/FCF | 18.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC2.96%
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 -72.01%.
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 strong growth in Revenue. In the last year, the Revenue has grown by 55.84%.
WUW shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -14.60% yearly.
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 123.45% on average over the next years. This is a very strong growth
Based on estimates for the next years, WUW will show a small growth in Revenue. The Revenue will grow by 6.97% on average per year.
EPS Next Y240.97%
EPS Next 2Y123.45%
EPS Next 3YN/A
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 33.76 indicates a quite expensive valuation of WUW.
81.58% of the companies in the same industry are cheaper than WUW, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of WUW to the average of the S&P500 Index (26.43), we can say WUW is valued slightly more expensively.
WUW is valuated reasonably with a Price/Forward Earnings ratio of 8.37.
Based on the Price/Forward Earnings ratio, WUW is valued cheaply inside the industry as 84.21% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 22.17. WUW is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.76 | ||
| Fwd PE | 8.37 |
4.2 Price Multiples
84.21% of the companies in the same industry are more expensive than WUW, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.6 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
WUW's 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 123.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.14
PEG (5Y)N/A
EPS Next 2Y123.45%
EPS Next 3YN/A
5. Dividend
5.1 Amount
WUW has a Yearly Dividend Yield of 4.69%, which is a nice return.
Compared to an average industry Dividend Yield of 4.54, WUW pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, WUW pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.69% |
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 2Y123.45%
EPS Next 3YN/A
FRA:WUW (6/5/2025, 10:29:51 AM)
13.84
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners6.8%
Inst Owner ChangeN/A
Ins Owners11.29%
Ins Owner ChangeN/A
Market Cap1.30B
Analysts82.86
Price Target18.43 (33.16%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.69% |
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)1.5%
PT rev (3m)4.23%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-7.88%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-8.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.76 | ||
| Fwd PE | 8.37 | ||
| P/S | 0.38 | ||
| P/FCF | 4.6 | ||
| P/OCF | 3.71 | ||
| P/B | 0.26 | ||
| P/tB | 0.27 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.41
EY2.96%
EPS(NY)1.65
Fwd EY11.94%
FCF(TTM)3.01
FCFY21.73%
OCF(TTM)3.73
OCFY26.97%
SpS36.82
BVpS52.23
TBVpS50.91
PEG (NY)0.14
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
WACC2.96%
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 Y240.97%
EPS Next 2Y123.45%
EPS Next 3YN/A
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%