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Wüstenrot & Württembergische

GER:WUW · DE0008051004
InsuranceMedium

360

77
Profit price67
Cash yield53
Price/Sales100
EV / Gross Profit44
Price/Book100
Returns on capital11
Profit margins71
Cash Conversion91
Accruals55
Owner Earnings Margin18
Sales growth95
Profit Growth22
Long-Term EPS Growth35
Owner Earnings Growth24
Reinvestment40
Price momentum30
Debt load14
Debt serviceability98
Liquidity4
Analyst ratings100
Opinion Changes50
Price Target Upside94
Market mood1
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Wüstenrot & Württembergische clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Profile

CountryGermany
IndustryInsurance
SizeMedium
TypePublic Company
ExchangeXTRA
Employees1,277
Websiteww-ag.com
ISINDE0008051004
Last UpdateApr 2, 2026
Indices
CDAX (Germany)SDAX (Germany)

Description

Wüstenrot & Württembergische AG operates primarily in the financial services sector, focuses on insurance, banking, and real estate investment. The company offers property and casualty insurance products as well as its innovative banking solutions fo…

Analysis

Deep value

Wüstenrot & Württembergische AG lands in the deep-value zone: the price is very low, but so are the business fundamentals.

The price is attractive. You pay 10.5× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is adequate. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
29
2023202420252026

All-time high

88

Feb 2026

All-time low

29

Jun 2026

Average rank

45

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
100
100
100
97
Price/Earnings
91
93
73
95
Price/Book
100
100
97
93
Dividend Yield
53
50
28
33
Value (overall)
94
95
84
94

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →