Executive Summary
Wüstenrot & Württembergische AG, together with its subsidiaries, provides insurance products and services to private individuals and businesses in Germany, the Czech Republic, and internationally. More Details
Rewards
Risk Analysis
Snowflake Analysis
6 star dividend payer and undervalued.
Share Price & News
How has Wüstenrot & Württembergische's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: WUW is less volatile than 75% of German stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: WUW's weekly volatility (3%) has been stable over the past year.
Market Performance
7 Day Return
0.5%
WUW
-0.9%
DE Insurance
0.6%
DE Market
1 Year Return
-12.2%
WUW
-11.1%
DE Insurance
4.2%
DE Market
Return vs Industry: WUW matched the German Insurance industry which returned -11.6% over the past year.
Return vs Market: WUW underperformed the German Market which returned 3.4% over the past year.
Shareholder returns
| WUW | Industry | Market | |
|---|---|---|---|
| 7 Day | 0.5% | -0.9% | 0.6% |
| 30 Day | 1.6% | 2.6% | 5.4% |
| 90 Day | 13.3% | 18.4% | 9.5% |
| 1 Year | -8.4%-12.2% | -6.2%-11.1% | 7.6%4.2% |
| 3 Year | -23.7%-31.8% | 21.5%5.8% | 6.2%-3.2% |
| 5 Year | 7.5%-9.9% | 74.7%38.6% | 46.4%25.6% |
Long-Term Price Volatility Vs. Market
How volatile is Wüstenrot & Württembergische's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 days ago | Simply Wall St
Wüstenrot & Württembergische's (ETR:WUW) Stock Price Has Reduced 33% In The Past Three Years1 month ago | Simply Wall St
A Quick Analysis On Wüstenrot & Württembergische's (ETR:WUW) CEO Compensation2 months ago | Simply Wall St
Should Wüstenrot & Württembergische AG (ETR:WUW) Be Part Of Your Dividend Portfolio?Valuation
Is Wüstenrot & Württembergische undervalued compared to its fair value and its price relative to the market?
40.1%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: WUW (€16.88) is trading below our estimate of fair value (€28.17)
Significantly Below Fair Value: WUW is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: WUW is good value based on its PE Ratio (7.9x) compared to the DE Insurance industry average (12.1x).
PE vs Market: WUW is good value based on its PE Ratio (7.9x) compared to the German market (24.3x).
Price to Earnings Growth Ratio
PEG Ratio: WUW is poor value based on its PEG Ratio (1x)
Price to Book Ratio
PB vs Industry: WUW is good value based on its PB Ratio (0.3x) compared to the DE Insurance industry average (1x).
Next Steps
Future Growth
How is Wüstenrot & Württembergische forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
7.7%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: WUW's forecast earnings growth (7.7% per year) is above the savings rate (0.07%).
Earnings vs Market: WUW's earnings (7.7% per year) are forecast to grow slower than the German market (25.6% per year).
High Growth Earnings: WUW's earnings are forecast to grow, but not significantly.
Revenue vs Market: WUW's revenue is expected to decline over the next 3 years (-2.4% per year).
High Growth Revenue: WUW's revenue is forecast to decline over the next 3 years (-2.4% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: WUW's Return on Equity is forecast to be low in 3 years time (5%).
Next Steps
Past Performance
How has Wüstenrot & Württembergische performed over the past 5 years?
-4.4%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: WUW has high quality earnings.
Growing Profit Margin: WUW's current net profit margins (2.9%) are lower than last year (3.7%).
Past Earnings Growth Analysis
Earnings Trend: WUW's earnings have declined by 4.4% per year over the past 5 years.
Accelerating Growth: WUW's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: WUW had negative earnings growth (-23.4%) over the past year, making it difficult to compare to the Insurance industry average (-23.4%).
Return on Equity
High ROE: WUW's Return on Equity (3.9%) is considered low.
Next Steps
Financial Health
How is Wüstenrot & Württembergische's financial position?
Financial Position Analysis
Short Term Liabilities: WUW's short term assets (€47.9B) exceed its short term liabilities (€647.4M).
Long Term Liabilities: WUW's short term assets (€47.9B) do not cover its long term liabilities (€71.2B).
Debt to Equity History and Analysis
Debt Level: WUW's debt to equity ratio (78.6%) is considered high.
Reducing Debt: WUW's debt to equity ratio has reduced from 204.8% to 78.6% over the past 5 years.
Debt Coverage: WUW's debt is well covered by operating cash flow (25.7%).
Interest Coverage: WUW's interest payments on its debt are not well covered by EBIT (1.7x coverage).
Balance Sheet
Next Steps
Dividend
What is Wüstenrot & Württembergische current dividend yield, its reliability and sustainability?
3.85%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: WUW's dividend (3.85%) is higher than the bottom 25% of dividend payers in the German market (1.02%).
High Dividend: WUW's dividend (3.85%) is in the top 25% of dividend payers in the German market (3.47%)
Stability and Growth of Payments
Stable Dividend: WUW's dividends per share have been stable in the past 10 years.
Growing Dividend: WUW's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (30.5%), WUW's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: WUW's dividends in 3 years are forecast to be well covered by earnings (27.4% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
4.0yrs
Average management tenure
CEO
Jürgen Junker (51 yo)
4yrs
Tenure
€1,581,600
Compensation
Mr. Jürgen Albert Junker served as Supervisory Board Chairman and Member of Supervisory Board at Wüstenrot Bank AG Pfandbriefbank since January 01, 2017 until 2019. He serves as Supervisory Board Chairman ...
CEO Compensation Analysis
Compensation vs Market: Jürgen's total compensation ($USD1.92M) is about average for companies of similar size in the German market ($USD1.60M).
Compensation vs Earnings: Jürgen's compensation has been consistent with company performance over the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Chairman of the Management Board & CEO | 4yrs | €1.58m | no data | |
| Employee Representative Deputy Chairman of the Supervisory Board | 9.58yrs | €78.30k | no data | |
| Chief Information Officer & Member of Management Board | 8.5yrs | €812.50k | no data | |
| Chief Risk Officer | 2.5yrs | €691.90k | no data | |
| CFO & Member of Management Board | 0.33yr | no data | no data | |
| Member of Management Board | no data | no data | no data | |
| Member of Management Board | 3yrs | no data | no data | |
| Member of Management Board | no data | no data | no data | |
| Member of Management Board | no data | no data | no data | |
| Head of Group Accounting | no data | €12.00k | no data | |
| Head of Investor Relations | no data | no data | no data | |
| Chief Human Resources Officer | 6.75yrs | no data | no data |
4.0yrs
Average Tenure
49yo
Average Age
Experienced Management: WUW's management team is considered experienced (4 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Employee Representative Deputy Chairman of the Supervisory Board | 9.58yrs | €78.30k | no data | |
| Supervisory Board Member | 14.58yrs | €39.50k | no data | |
| Supervisory Board Chairman | 15.58yrs | €107.90k | no data | |
| Supervisory Board Member | 4.58yrs | €31.50k | no data | |
| Supervisory Board Member | 5.58yrs | €47.50k | no data | |
| Supervisory Board Member | 6.67yrs | €34.50k | no data | |
| Employee Representative Supervisory Board Member | 9.58yrs | €37.80k | no data | |
| Employee Representative Supervisory Board Member | 9.58yrs | €30.00k | no data | |
| Employee Representative Supervisory Board Member | 9.58yrs | €67.80k | no data | |
| Employee Representative Supervisory Board Member | 10yrs | €59.50k | no data | |
| Employee Representative Supervisory Board Member | 4.58yrs | €35.50k | no data | |
| Supervisory Board Member | 4.58yrs | €35.50k | no data |
9.6yrs
Average Tenure
67.5yo
Average Age
Experienced Board: WUW's board of directors are considered experienced (9.6 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Wüstenrot & Württembergische AG's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Wüstenrot & Württembergische AG
- Ticker: WUW
- Exchange: XTRA
- Founded: 1828
- Industry: Life and Health Insurance
- Sector: Insurance
- Market Cap: €1.572b
- Shares outstanding: 93.68m
- Website: https://www.ww-ag.com
Number of Employees
Location
- Wüstenrot & Württembergische AG
- Gutenbergstrasse 30
- Stuttgart
- Baden-Württemberg
- 70176
- Germany
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| WUW | DB (Deutsche Boerse AG) | Yes | Ordinary Shares | DE | EUR | Sep 1999 |
| WUW | XTRA (XETRA Trading Platform) | Yes | Ordinary Shares | DE | EUR | Sep 1999 |
| 0GJN | LSE (London Stock Exchange) | Yes | Ordinary Shares | GB | EUR | Sep 1999 |
| WUW | SWX (SIX Swiss Exchange) | Yes | Ordinary Shares | CH | CHF | Sep 1999 |
| WUW | WBAG (Wiener Boerse AG) | Yes | Ordinary Shares | AT | EUR | Sep 1999 |
| WUWd | BATS-CHIXE (BATS 'Chi-X Europe') | Yes | Ordinary Shares | GB | EUR | Sep 1999 |
Biography
Wüstenrot & Württembergische AG, together with its subsidiaries, provides insurance products and services to private individuals and businesses in Germany, the Czech Republic, and internationally. It opera...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/01/14 19:20 |
| End of Day Share Price | 2021/01/14 00:00 |
| Earnings | 2020/09/30 |
| Annual Earnings | 2019/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.