Wüstenrot & Württembergische AG Logo

Wüstenrot & Württembergische AG

WUW.DE

(2.0)
Stock Price

11,90 EUR

-0.08% ROA

-1.16% ROE

-20.03x PER

Market Cap.

1.132.078.021,00 EUR

118.83% DER

5.38% Yield

-0.94% NPM

Wüstenrot & Württembergische AG Stock Analysis

Wüstenrot & Württembergische AG Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Wüstenrot & Württembergische AG Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.25x), the stock offers substantial upside potential at a bargain price.

2 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

3 ROE

The stock's ROE falls within an average range (7.92%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.51%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

6 Buffet Intrinsic Value

The company's stock seems undervalued (300) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

7 DER

The company has a high debt to equity ratio (101%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

8 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

Wüstenrot & Württembergische AG Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Wüstenrot & Württembergische AG Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Wüstenrot & Württembergische AG Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Wüstenrot & Württembergische AG Revenue
Year Revenue Growth
2005 0
2006 0 0%
2007 5.226.707.000 100%
2008 5.165.837.000 -1.18%
2009 5.180.763.000 0.29%
2010 5.848.561.000 11.42%
2011 5.568.020.000 -5.04%
2012 7.477.460.000 25.54%
2013 7.352.408.000 -1.7%
2014 7.566.474.000 2.83%
2015 7.414.307.000 -2.05%
2016 7.042.189.000 -5.28%
2017 6.825.102.000 -3.18%
2018 5.751.537.000 -18.67%
2019 7.049.135.000 18.41%
2020 6.761.955.000 -4.25%
2021 7.721.516.000 12.43%
2022 5.355.497.000 -44.18%
2023 4.164.028.000 -28.61%
2023 5.961.057.000 30.15%
2024 5.805.352.000 -2.68%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Wüstenrot & Württembergische AG Research and Development Expenses
Year Research and Development Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Wüstenrot & Württembergische AG General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 461.471.000 100%
2011 484.097.000 4.67%
2012 462.988.000 -4.56%
2013 418.747.000 -10.57%
2014 403.032.000 -3.9%
2015 407.313.000 1.05%
2016 422.816.000 3.67%
2017 441.578.000 4.25%
2018 422.892.000 -4.42%
2019 381.550.000 -10.84%
2020 337.659.000 -13%
2021 348.682.000 3.16%
2022 376.273.000 7.33%
2023 399.972.000 5.93%
2023 434.441.000 7.93%
2024 -231.544.000 287.63%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Wüstenrot & Württembergische AG EBITDA
Year EBITDA Growth
2005 0
2006 0 0%
2007 325.014.000 100%
2008 1.172.731.000 72.29%
2009 337.714.000 -247.26%
2010 285.972.000 -18.09%
2011 253.109.000 -12.98%
2012 1.335.382.000 81.05%
2013 1.099.423.000 -21.46%
2014 1.251.850.000 12.18%
2015 1.162.895.000 -7.65%
2016 1.030.491.000 -12.85%
2017 942.645.000 -9.32%
2018 963.203.000 2.13%
2019 273.847.000 -251.73%
2020 224.020.000 -22.24%
2021 216.195.000 -3.62%
2022 426.528.000 49.31%
2023 -855.952.000 149.83%
2023 215.140.000 497.86%
2024 846.716.000 74.59%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Wüstenrot & Württembergische AG Gross Profit
Year Gross Profit Growth
2005 0
2006 0 0%
2007 5.226.707.000 100%
2008 5.165.837.000 -1.18%
2009 5.180.763.000 0.29%
2010 5.848.561.000 11.42%
2011 5.568.020.000 -5.04%
2012 7.477.460.000 25.54%
2013 7.352.408.000 -1.7%
2014 7.566.474.000 2.83%
2015 7.414.307.000 -2.05%
2016 7.042.189.000 -5.28%
2017 6.825.102.000 -3.18%
2018 5.751.537.000 -18.67%
2019 7.049.135.000 18.41%
2020 6.761.955.000 -4.25%
2021 7.721.516.000 12.43%
2022 5.355.497.000 -44.18%
2023 4.164.028.000 -28.61%
2023 5.961.057.000 30.15%
2024 5.805.352.000 -2.68%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Wüstenrot & Württembergische AG Net Profit
Year Net Profit Growth
2005 0
2006 0 0%
2007 200.444.000 100%
2008 58.176.000 -244.55%
2009 212.317.000 72.6%
2010 188.173.000 -12.83%
2011 191.595.000 1.79%
2012 222.756.000 13.99%
2013 143.137.000 -55.62%
2014 233.378.000 38.67%
2015 270.351.000 13.68%
2016 232.919.000 -16.07%
2017 256.642.000 9.24%
2018 214.208.000 -19.81%
2019 248.076.000 13.65%
2020 209.907.000 -18.18%
2021 350.525.000 40.12%
2022 235.420.000 -48.89%
2023 -319.644.000 173.65%
2023 138.657.000 330.53%
2024 -262.264.000 152.87%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Wüstenrot & Württembergische AG Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 0
2006 0 0%
2007 2 100%
2008 1 0%
2009 2 100%
2010 2 -100%
2011 2 0%
2012 2 50%
2013 2 -100%
2014 3 50%
2015 3 0%
2016 2 0%
2017 3 0%
2018 2 0%
2019 3 0%
2020 2 0%
2021 4 33.33%
2022 3 -50%
2023 0 0%
2023 1 100%
2024 -3 150%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Wüstenrot & Württembergische AG Free Cashflow
Year Free Cashflow Growth
2005 125.523.000
2006 -2.044.229.000 106.14%
2007 494.149.000 513.69%
2008 -10.197.959.000 104.85%
2009 3.534.658.000 388.51%
2010 1.738.824.000 -103.28%
2011 -124.021.000 1502.04%
2012 908.168.000 113.66%
2013 1.646.422.000 44.84%
2014 2.101.456.000 21.65%
2015 -1.363.586.000 254.11%
2016 -1.654.582.000 17.59%
2017 179.856.000 1019.95%
2018 -786.350.000 122.87%
2019 231.257.250 440.03%
2019 925.029.000 75%
2020 275.131.000 -236.21%
2021 -912.943.000 130.14%
2022 -2.356.968.000 61.27%
2023 -178.054.000 -1223.74%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Wüstenrot & Württembergische AG Operating Cashflow
Year Operating Cashflow Growth
2005 125.523.000
2006 -2.044.229.000 106.14%
2007 552.772.000 469.81%
2008 2.260.246.000 75.54%
2009 3.590.240.000 37.04%
2010 1.781.889.000 -101.49%
2011 -66.535.000 2778.12%
2012 998.208.000 106.67%
2013 1.713.805.000 41.75%
2014 2.151.726.000 20.35%
2015 -1.305.160.000 264.86%
2016 -1.557.971.000 16.23%
2017 296.860.000 624.82%
2018 -723.546.000 141.03%
2019 265.132.250 372.9%
2019 1.060.529.000 75%
2020 434.954.000 -143.83%
2021 -795.988.000 154.64%
2022 -2.234.358.000 64.38%
2023 -108.124.000 -1966.48%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Wüstenrot & Württembergische AG Capital Expenditure
Year Capital Expenditure Growth
2005 0
2006 0 0%
2007 58.623.000 100%
2008 12.458.205.000 99.53%
2009 55.582.000 -22314.1%
2010 43.065.000 -29.07%
2011 57.486.000 25.09%
2012 90.040.000 36.16%
2013 67.383.000 -33.62%
2014 50.270.000 -34.04%
2015 58.426.000 13.96%
2016 96.611.000 39.52%
2017 117.004.000 17.43%
2018 62.804.000 -86.3%
2019 33.875.000 -85.4%
2019 135.500.000 75%
2020 159.823.000 15.22%
2021 116.955.000 -36.65%
2022 122.610.000 4.61%
2023 69.930.000 -75.33%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Wüstenrot & Württembergische AG Equity
Year Equity Growth
2005 2.231.695.000
2006 2.225.893.000 -0.26%
2007 2.493.561.000 10.73%
2008 2.348.421.000 -6.18%
2009 2.647.324.000 11.29%
2010 2.844.266.000 6.92%
2011 2.969.004.000 4.2%
2012 3.413.374.000 13.02%
2013 3.253.018.000 -4.93%
2014 3.674.220.000 11.46%
2015 3.643.742.000 -0.84%
2016 3.811.590.000 4.4%
2017 3.964.858.000 3.87%
2018 4.236.331.000 6.41%
2019 4.835.082.000 12.38%
2020 5.085.151.000 4.92%
2021 4.873.574.000 -4.34%
2022 3.709.552.000 -31.38%
2023 4.806.152.000 22.82%
2023 4.961.028.000 3.12%
2024 4.846.000.000 -2.37%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Wüstenrot & Württembergische AG Assets
Year Assets Growth
2005 71.443.259.392
2006 70.435.880.960 -1.43%
2007 68.131.376.000 -3.38%
2008 64.462.388.000 -5.69%
2009 69.538.664.000 7.3%
2010 75.987.959.000 8.49%
2011 75.359.329.000 -0.83%
2012 77.192.912.000 2.38%
2013 75.042.514.000 -2.87%
2014 78.536.059.000 4.45%
2015 74.086.581.000 -6.01%
2016 72.275.638.000 -2.51%
2017 72.018.169.000 -0.36%
2018 72.039.241.000 0.03%
2019 75.743.509.000 4.89%
2020 76.487.642.000 0.97%
2021 75.212.926.000 -1.69%
2022 65.502.500.000 -14.82%
2023 66.673.557.000 1.76%
2023 68.680.752.000 2.92%
2024 69.232.000.000 0.8%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Wüstenrot & Württembergische AG Liabilities
Year Liabilities Growth
2005 69.211.564.392
2006 68.209.987.960 -1.47%
2007 65.637.815.000 -3.92%
2008 62.113.967.000 -5.67%
2009 66.891.340.000 7.14%
2010 73.143.693.000 8.55%
2011 72.390.325.000 -1.04%
2012 73.779.538.000 1.88%
2013 71.789.496.000 -2.77%
2014 74.861.839.000 4.1%
2015 70.442.839.000 -6.27%
2016 68.464.048.000 -2.89%
2017 68.053.311.000 -0.6%
2018 67.802.910.000 -0.37%
2019 70.908.427.000 4.38%
2020 71.402.491.000 0.69%
2021 70.339.352.000 -1.51%
2022 61.792.948.000 -13.83%
2023 61.867.405.000 0.12%
2023 6.315.989.000 -879.54%
2024 64.386.000.000 90.19%

Wüstenrot & Württembergische AG Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
64.01
Net Income per Share
-0.6
Price to Earning Ratio
-20.03x
Price To Sales Ratio
0.19x
POCF Ratio
2827.95
PFCF Ratio
2830.2
Price to Book Ratio
0.24
EV to Sales
1.02
EV Over EBITDA
287.27
EV to Operating CashFlow
15230.2
EV to FreeCashFlow
15230.2
Earnings Yield
-0.05
FreeCashFlow Yield
0
Market Cap
1,13 Bil.
Enterprise Value
6,09 Bil.
Graham Number
26.41
Graham NetNet
-441.66

Income Statement Metrics

Net Income per Share
-0.6
Income Quality
0
ROE
-0.01
Return On Assets
-0
Return On Capital Employed
0.01
Net Income per EBT
0.75
EBT Per Ebit
-0.23
Ebit per Revenue
0.05
Effective Tax Rate
0.28

Margins

Sales, General, & Administrative to Revenue
0.02
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.94
Operating Profit Margin
0.05
Pretax Profit Margin
-0.01
Net Profit Margin
-0.01

Dividends

Dividend Yield
0.05
Dividend Yield %
5.38
Payout Ratio
0
Dividend Per Share
0.65

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.02
Return on Tangible Assets
-0
Days Sales Outstanding
0
Days Payables Outstanding
25882.72
Days of Inventory on Hand
73.09
Receivables Turnover
0
Payables Turnover
0.01
Inventory Turnover
4.99
Capex per Share
0

Balance Sheet

Cash per Share
245,57
Book Value per Share
51,75
Tangible Book Value per Share
50.22
Shareholders Equity per Share
51.39
Interest Debt per Share
61.06
Debt to Equity
1.19
Debt to Assets
0.08
Net Debt to EBITDA
233.89
Current Ratio
0.96
Tangible Asset Value
4,70 Bil.
Net Current Asset Value
-41,32 Bil.
Invested Capital
-338000000
Working Capital
-1,02 Bil.
Intangibles to Total Assets
0
Average Receivables
-12,99 Bil.
Average Payables
23,93 Bil.
Average Inventory
73134000
Debt to Market Cap
5.05

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Wüstenrot & Württembergische AG Dividends
Year Dividends Growth
2000 0
2001 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 100%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Wüstenrot & Württembergische AG Profile

About Wüstenrot & Württembergische AG

Wüstenrot & Württembergische AG, together with its subsidiaries, provides insurance products and services in Germany, the Czech Republic, and internationally. It operates through Housing, Life and Health Insurance, Property/Casualty Insurance, and All Other segments. The Housing segment offers home loan savings and banking products primarily for retail customers, such as home loan savings contracts, bridging loans, and mortgage loans. The Life and Health Insurance segment provides life and health insurance products for individuals and groups, including classic and unit-linked life and annuity insurance, term insurance, classic and unit-linked Riester and basic pensions, and occupational disability insurance, as well as full and supplementary private health insurance and nursing care insurance. The Property/Casualty Insurance segment offers various insurance products for retail and corporate customers, including general liability, casualty, motor, household, residential building, legal expenses, transport, and technical insurance. The All Other segment provides asset management and property development services; and markets home loan savings and banking products. The company distributes its products and services through partners, brokers, and its mobile sales force, as well as through online sales channels. Wüstenrot & Württembergische AG was founded in 1828 and is headquartered in Stuttgart, Germany.

CEO
Mr. Jurgen Albert Junker
Employee
7.553
Address
Gutenbergstraße 30
Stuttgart, 70176

Wüstenrot & Württembergische AG Executives & BODs

Wüstenrot & Württembergische AG Executives & BODs
# Name Age
1 Mr. Alexander Mayer
Chief Risk Officer, Chief Financial Officer & Member of Management Board
70
2 Mr. Bernd Hertweck
Member of Management Board & Head of Housing Division
70
3 Ms. Zeliha Hanning
Member of Management Board and Head of Property & Casualty Insurance Division
70
4 Mr. Michael Ellwanger
Head of Investor Relations
70
5 Mr. Jacques Wasserfall
Member of Management Board and Head of Life & Health Insurance Division
70
6 Mr. Matthias Schell
Head of Group Accounting
70
7 Dr. Margret Obladen
Head of Group Law
70
8 Mr. Jurgen Albert Junker
Chief Executive Officer, Chairman of the Management Board & Director of HR
70
9 Mr. Jens Wieland
Chief Information Officer & Member of Management Board
70

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