Wüstenrot & Württembergische AG/€WUW
1D1W1MYTD1Y5YMAX
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
€1.3B
9.94
€1.44
0.71
€0.65
4.54%
Price and volume
Market cap
€1.3B
Beta
0.71
52-week high
€16.74
52-week low
€13.32
Average daily volume
17K
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)
9.937
Price to revenue (TTM)
0.232
Price to book
0.27
Price to tangible book (TTM)
0.28
Price to free cash flow (TTM)
2.541
Free cash flow yield (TTM)
39.36%
Free cash flow per share (TTM)
5.632
Dividend yield (TTM)
4.54%
Forward dividend yield
4.54%
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
IFRS net income rose 15% year over year to €105 million in H1 2026, and management maintained its full-year target of €120–150 million despite the challenging environment. (W&W)
The insurance franchise is demonstrating operating resilience: property-and-casualty insurance generated a healthy 86.7% gross combined ratio, while life-insurance new-business premiums increased 5.2% year over year to €1.857 billion. (Montega)
Capital strength and balance-sheet scale improved: group equity increased to €5.008 billion, the building-loan portfolio grew 2.5% to €30.9 billion, and S&P affirmed the group’s ratings with a stable outlook. (W&W)
The Housing division remains the key earnings weakness: H1 2026 segment profit was still negative at €12 million, while housing new-business volume fell 10.9% year over year to €7.553 billion. (Montega)
Insurance claims trends deteriorated from an unusually strong prior year, with the gross combined ratio rising to 86.7% from 83.8%; management also flags further natural-catastrophe losses as a risk to 2026 earnings. (W&W)
The group remains exposed to weak property markets, interest-rate uncertainty and cost pressure, which is why it is undertaking further efficiency measures and a major transformation of the Housing and IT businesses. (W&W)
Data summarised monthly by Lightyear AI. Last updated on 9 Sept 2026.
Upcoming events
No upcoming events
Funds containing WUW
AllEURGBPUSD
Fund name | Fund size | €WUW weighting |
|---|---|---|
Xtrackers MSCI Europe Small Cap€DX2J | €3.2B | 0.02% |
Xtrackers MSCI Europe Small Cap£XXSC | £2.8B | 0.02% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.01% |
iShares MSCI World Small Cap£WLDS | £6.7B | 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.