WUESTENROT & WUERTTEMBERG (WUW.DE) Fundamental Analysis & Valuation

FRA:WUW • DE0008051004

16.22 EUR
-0.24 (-1.46%)
Last: Mar 13, 2026, 03:37 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This WUW.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

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.


Dividend Valuation Growth Profitability Health

2

1. WUW.DE Profitability Analysis

1.1 Basic Checks

  • In the past year WUW was profitable.
  • In the past year WUW had a positive cash flow from operations.
  • In the past 5 years WUW has always been profitable.
  • In multiple years WUW reported negative operating cash flow during the last 5 years.
WUW.DE Yearly Net Income VS EBIT VS OCF VS FCFWUW.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B -2B

1.2 Ratios

  • WUW has a Return On Assets of 0.05%. This is amonst the worse of the industry: WUW underperforms 87.23% 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 87.23% of its industry peers.
Industry RankSector 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
WUW.DE Yearly ROA, ROE, ROICWUW.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6

1.3 Margins

  • WUW has a worse Profit Margin (1.13%) than 85.11% of its industry peers.
  • 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 RankSector 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
WUW.DE Yearly Profit, Operating, Gross MarginsWUW.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -20 -40 -60

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. WUW.DE Health Analysis

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.
  • Compared to 5 years ago, WUW has about the same amount of shares outstanding.
  • Compared to 1 year ago, WUW has an improved debt to assets ratio.
WUW.DE Yearly Shares OutstandingWUW.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
WUW.DE Yearly Total Debt VS Total AssetsWUW.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

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.
  • WUW's Debt to FCF ratio of 3.18 is in line compared to the rest of the industry. WUW outperforms 42.55% of its industry peers.
  • WUW has a Debt/Equity ratio of 1.32. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 1.32, WUW is not doing good in the industry: 82.98% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.32
Debt/FCF 3.18
Altman-Z N/A
ROIC/WACCN/A
WACC3.42%
WUW.DE Yearly LT Debt VS Equity VS FCFWUW.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WUW.DE Yearly Current Assets VS Current LiabilitesWUW.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. WUW.DE Growth Analysis

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.
  • The Revenue has decreased by -2.83% in the past year.
  • 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)-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 77.07% 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 Y168.75%
EPS Next 2Y114.09%
EPS Next 3Y77.07%
EPS Next 5YN/A
Revenue Next Year-2.03%
Revenue Next 2Y4.23%
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.
WUW.DE Yearly Revenue VS EstimatesWUW.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B
WUW.DE Yearly EPS VS EstimatesWUW.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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6

4. WUW.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 45.06 indicates a quite expensive valuation of WUW.
  • Compared to the rest of the industry, the Price/Earnings ratio of WUW indicates a rather expensive valuation: WUW more expensive than 87.23% of the companies listed in the same industry.
  • WUW's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 25.71.
  • The Price/Forward Earnings ratio is 7.30, which indicates a rather cheap valuation of WUW.
  • Based on the Price/Forward Earnings ratio, WUW is valued cheaply inside the industry as 91.49% of the companies are valued more expensively.
  • WUW is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.82, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 45.06
Fwd PE 7.3
WUW.DE Price Earnings VS Forward Price EarningsWUW.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

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 RankSector Rank
P/FCF 0.74
EV/EBITDA N/A
WUW.DE Per share dataWUW.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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 77.07% in the coming years.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y114.09%
EPS Next 3Y77.07%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. WUW.DE Dividend Analysis

5.1 Amount

  • WUW has a Yearly Dividend Yield of 4.39%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.21, WUW has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, WUW pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.39%

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
WUW.DE Yearly Dividends per shareWUW.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

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 2Y114.09%
EPS Next 3Y77.07%
WUW.DE Yearly Income VS Free CF VS DividendWUW.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -1B -2B
WUW.DE Dividend Payout.WUW.DE Dividend Payout, showing the Payout Ratio.WUW.DE Dividend Payout.PayoutRetained Earnings

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WUW.DE Fundamentals: All Metrics, Ratios and Statistics

WUESTENROT & WUERTTEMBERG

FRA:WUW (3/13/2026, 3:37:11 PM)

16.22

-0.24 (-1.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A
Earnings (Next)03-27
Inst Owners5.94%
Inst Owner ChangeN/A
Ins Owners11.29%
Ins Owner ChangeN/A
Market Cap1.52B
Revenue(TTM)3.02B
Net Income(TTM)34.00M
Analysts82.86
Price Target18.7 (15.29%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.39%
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)1.48%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)4.03%
EPS NY rev (3m)4.03%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.7%
Revenue NY rev (3m)-0.7%
Valuation
Industry RankSector Rank
PE 45.06
Fwd PE 7.3
P/S 0.5
P/FCF 0.74
P/OCF 0.72
P/B 0.31
P/tB 0.31
EV/EBITDA N/A
EPS(TTM)0.36
EY2.22%
EPS(NY)2.22
Fwd EY13.7%
FCF(TTM)22.04
FCFY135.86%
OCF(TTM)22.6
OCFY139.35%
SpS32.21
BVpS52.85
TBVpS51.65
PEG (NY)0.27
PEG (5Y)N/A
Graham Number20.69
Profitability
Industry RankSector 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 RankSector 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
WACC3.42%
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 Y168.75%
EPS Next 2Y114.09%
EPS Next 3Y77.07%
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-2.03%
Revenue Next 2Y4.23%
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%

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.


Can you provide the valuation status for WUESTENROT & WUERTTEMBERG?

ChartMill assigns a valuation rating of 6 / 10 to WUESTENROT & WUERTTEMBERG (WUW.DE). This can be considered as Fairly Valued.


How profitable is WUESTENROT & WUERTTEMBERG (WUW.DE) stock?

WUESTENROT & WUERTTEMBERG (WUW.DE) has a profitability rating of 2 / 10.


What is the financial health of WUESTENROT & WUERTTEMBERG (WUW.DE) stock?

The financial health rating of WUESTENROT & WUERTTEMBERG (WUW.DE) is 2 / 10.


What is the earnings growth outlook for WUESTENROT & WUERTTEMBERG?

The Earnings per Share (EPS) of WUESTENROT & WUERTTEMBERG (WUW.DE) is expected to grow by 168.75% in the next year.