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Key financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | €m | 6,762 | 7,722 | 4,271 | 5,985 | 6,153 | 5,773 | 5,794 | 4,796 |
| Operating profit | €m | 212 | - | ||||||
| Net profit | €m | 210 | 351 | 235 | 139 | 34 | 121 | 135 | 199 |
| EPS reported | € | 1.29 | 1.44 | ||||||
| Operating cashflow per share | € | -20.29 | 6.19 | ||||||
| Capex per share | € | 0.46 | 0.55 | ||||||
| FCF per share | € | -20.75 | 5.63 | ||||||
| Free cash flow | €m | -1,945 | 528 | ||||||
| Net debt | €m | -15,132 | -14,389 | ||||||
| Book value equity | €m | 4,929 | 4,977 | ||||||
| Book value per share | € | 52.59 | 53.09 | ||||||
| Number of shares | m | 93.72 | 93.75 | ||||||
| DPS (TTM paid) | € | 0.65 | 0.65 |
Financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.27 | 9.10 | ||||||
| P/B LTM | x | 0.28 | 0.25 | ||||||
| P/S LTM | x | 0.24 | 0.21 | ||||||
| P/FCF LTM | x | -0.70 | 2.35 | ||||||
| EV/EBITDA LTM | x | 21.23 | 0.00 | ||||||
| EV/Sales LTM | x | 1.47 | -2.27 | ||||||
| Earnings Yield LTM | % | 8.87% | 10.99% | ||||||
| FCF Yield | % | -142.73% | 42.60% | ||||||
| Quality | |||||||||
| ROE | % | 2.45% | 2.73% | ||||||
| ROIC | % | 0.16% | 5.94% | ||||||
| Operating margin | % | 3.67% | 92.58% | ||||||
| Gross margin | % | 96.19% | 100.00% | ||||||
| FCF/Sales | % | -33.69% | 9.11% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +258.33% | -2.70% | ||||||
| Sales Growth YoY | % | -6.18% | -2.13% | ||||||
| Net Income Growth YoY | % | +255.88% | -2.88% | ||||||
| FCF Growth | % | - | -58.49% | ||||||
| Operating Profit Growth | % | +631.03% | - | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 4.48% | 4.96% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | 50.45% | 45.19% | ||||||
| FCF/Debt | x | -0.24 | 0.06 | ||||||
| Net Debt/EBITDA | x | 17.83 | 0.00 | ||||||
| EBIT/Net interest | x | 0.00 | 0.00 | ||||||
| Net debt/market cap | % | -1110.4% | -1161.0% | ||||||
| Net debt/Equity | x | -3.07 | -2.89 | ||||||
| Gross debt/equity | x | 1.67 | 1.92 | ||||||
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
Wüstenrot & Württembergische AG (W&W), along with its affiliated companies, offers a range of insurance and financial services across Germany, the Czech Republic, and other global markets. Its operations are categorized into four principal divisions: Housing, Life and Health Insurance, Property/Casualty Insurance, and the 'All Other' segment. The Housing division focuses on providing savings and banking solutions, predominantly to individual clients, including home loan savings schemes, interim financing, and home mortgages. In the Life and Health Insurance sector, the company delivers various policies for both private individuals and organizations. These encompass traditional and investment-linked life and annuity plans, term life coverage, Riester and basic pension schemes (both conventional and unit-linked), and protection against occupational disability. Additionally, it provides comprehensive and supplementary private health coverage, alongside long-term care insurance. The Property/Casualty Insurance division offers a broad spectrum of protection for both personal and business clients. Its offerings include general liability, accident, automobile, home contents, property damage (for residential buildings), legal protection, shipping, and technical equipment insurance. The 'All Other' segment encompasses asset management and real estate development activities, in addition to promoting its housing-related savings and banking products. Product and service distribution is managed through a diverse network, utilizing external partners, independent brokers, an in-house mobile sales team, and digital platforms. Established in 1828, W&W maintains its corporate headquarters in Stuttgart, Germany.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Wüstenrot & Württembergische AG (WUW.DE)
Based on consensus from external analysts. Not Kvantra's opinion.
Wüstenrot & Württembergische AG (W&W), along with its affiliated companies, offers a range of insurance and financial services across Germany, the Czech Republic, and other global markets. Its operations are categorized into four principal divisions: Housing, Life and Health Insurance, Property/Casualty Insurance, and the 'All Other' segment. The Housing division focuses on providing savings and banking solutions, predominantly to individual clients, including home loan savings schemes, interim financing, and home mortgages. In the Life and Health Insurance sector, the company delivers various policies for both private individuals and organizations. These encompass traditional and investment-linked life and annuity plans, term life coverage, Riester and basic pension schemes (both conventional and unit-linked), and protection against occupational disability. Additionally, it provides comprehensive and supplementary private health coverage, alongside long-term care insurance. The Property/Casualty Insurance division offers a broad spectrum of protection for both personal and business clients. Its offerings include general liability, accident, automobile, home contents, property damage (for residential buildings), legal protection, shipping, and technical equipment insurance. The 'All Other' segment encompasses asset management and real estate development activities, in addition to promoting its housing-related savings and banking products. Product and service distribution is managed through a diverse network, utilizing external partners, independent brokers, an in-house mobile sales team, and digital platforms. Established in 1828, W&W maintains its corporate headquarters in Stuttgart, Germany.
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