Wüstenrot & Württembergische AG/€WUW
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Capital at risk
About Wüstenrot & Württembergische AG
Wüstenrot & Württembergische AG is a German financial services company headquartered in Stuttgart, Germany. The company operates primarily within the insurance and banking sectors, offering a range of products that include life and health insurance, property and casualty insurance, and home savings contracts. Wüstenrot & Württembergische AG was formed through the merger of Wüstenrot, a pioneer in home savings, and Württembergische, an insurance provider, leveraging their longstanding expertise in these fields. The company serves a wide geographic area, focusing on the German market, with a commitment to providing comprehensive financial solutions. Its strategic positioning is enhanced by its integration of banking and insurance services, allowing for cross-selling opportunities and diversified revenue streams.
- Ticker
- €WUW
- Sector
- Finance
- Primary listing
- XETRA
- Employees
- 7,625
- Headquarters
- Kornwestheim, Germany
- Website
- www.ww-ag.com
WUW Metrics
BasicAdvanced
€1.2B
9.12
€1.44
0.71
€0.65
4.95%
Price and volume
Market cap
€1.2B
Beta
0.71
52-week high
€16.74
52-week low
€13.06
Average daily volume
51K
Dividend rate
€0.65
Financial strength
Current ratio
6.378
Quick ratio
6.159
Long term debt to equity
1.819
Total debt to equity
1.91
Dividend payout ratio (TTM)
45.19%
Interest coverage (TTM)
1.45%
Profitability
EBITDA (TTM)
1,116
Gross margin (TTM)
26.68%
Net profit margin (TTM)
2.33%
Operating margin (TTM)
18.21%
Effective tax rate (TTM)
45.12%
Revenue per employee (TTM)
€760,000
Management effectiveness
Return on assets (TTM)
0.89%
Return on equity (TTM)
2.70%
Valuation
Price to earnings (TTM)
9.125
Price to revenue (TTM)
0.213
Price to book
0.25
Price to tangible book (TTM)
0.25
Price to free cash flow (TTM)
2.333
Free cash flow yield (TTM)
42.86%
Free cash flow per share (TTM)
5.632
Dividend yield (TTM)
4.95%
Forward dividend yield
4.95%
Growth
Revenue change (TTM)
2.95%
Earnings per share change (TTM)
-2.25%
3-year revenue growth (CAGR)
3.10%
10-year revenue growth (CAGR)
-2.53%
3-year earnings per share growth (CAGR)
-20.69%
10-year earnings per share growth (CAGR)
-5.93%
10-year dividend per share growth (CAGR)
0.80%
Bulls say / Bears say
First-half IFRS profit rose 15% to €105 million, while the Housing segment’s loss narrowed from €51 million to €12 million. That points to improving earnings even though the housing business is not yet profitable. (EQS News)
Property and casualty insurance contributed €108 million in first-half profit, slightly above last year’s €107 million, supported by premium adjustments and portfolio growth. This gives the group a steady earnings base while its housing business is being repaired. (Börsen-Zeitung, EQS News)
The boards intend to propose a dividend increase from €0.65 to €0.75 per share, subject to planned business development. A higher payout could improve the appeal of the shares to income-focused investors. (The Market)
Housing remains loss-making, and management cites weak property markets, interest-rate challenges and cost pressures as reasons for further efficiency measures. Higher project costs are also expected to keep housing expenses above last year’s level. (Börsen-Zeitung, MarketScreener)
The property and casualty combined ratio worsened from 83.8% to 86.7%, as smaller claims absorbed more of the insurance revenue. Further severe weather losses remain a stated risk to the full-year outlook. (MarketScreener, EQS News)
The personal insurance business earned €26 million in the first half, down from €33 million a year earlier. That decline shows the insurance performance was not improving across all divisions. (DIE ZEIT)
Data summarised monthly by Lightyear AI. Last updated on 6 Oct 2026.
WUW Financial Performance
Revenues and expenses
WUW Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing WUW
AllUSDEURGBP
Fund name | Fund size | €WUW weighting |
|---|---|---|
Xtrackers MSCI Europe Small Cap£XXSC | $3.6B | 0.02% |
Xtrackers MSCI Europe Small Cap€DX2J | $3.6B | 0.02% |
Vanguard Germany All Cap£VGER | €258M | 0.02% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
iShares MSCI World Small Cap£WLDS | $9B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by CBOE Europe and Deutsche Börse.