XTRA:WUW

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Wüstenrot & Württembergische

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


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 has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

-0.5%

WUW

-3.0%

DE Insurance

-1.3%

DE Market


1 Year Return

-17.1%

WUW

-21.9%

DE Insurance

2.9%

DE Market

Return vs Industry: WUW exceeded the German Insurance industry which returned -22.2% over the past year.

Return vs Market: WUW underperformed the German Market which returned 3.9% over the past year.


Shareholder returns

WUWIndustryMarket
7 Day-0.5%-3.0%-1.3%
30 Day2.9%-8.0%-0.7%
90 Day-3.8%-13.6%-0.8%
1 Year-13.5%-17.1%-17.6%-21.9%6.2%2.9%
3 Year-27.4%-35.1%6.7%-7.1%2.9%-6.0%
5 Year10.3%-7.5%38.0%9.5%24.0%6.3%

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

Valuation

Is Wüstenrot & Württembergische undervalued compared to its fair value and its price relative to the market?

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: WUW (€14.86) is trading below our estimate of fair value (€29.77)

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 (7.8x) compared to the DE Insurance industry average (10.1x).

PE vs Market: WUW is good value based on its PE Ratio (7.8x) compared to the German market (22.7x).


Price to Earnings Growth Ratio

PEG Ratio: WUW is poor value based on its PEG Ratio (1.1x)


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 (0.9x).


Next Steps

Future Growth

How is Wüstenrot & Württembergische forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?

7.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: WUW's forecast earnings growth (7.2% per year) is above the savings rate (0.2%).

Earnings vs Market: WUW's earnings (7.2% per year) are forecast to grow slower than the German market (26.9% 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 (-4.7% per year).

High Growth Revenue: WUW's revenue is forecast to decline over the next 3 years (-4.7% 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 (4.8%).


Next Steps

Past Performance

How has Wüstenrot & Württembergische performed over the past 5 years?

-3.6%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: WUW has a large one-off gain of €181.5M impacting its June 30 2020 financial results.

Growing Profit Margin: WUW's current net profit margins (2.7%) are lower than last year (3.9%).


Past Earnings Growth Analysis

Earnings Trend: WUW's earnings have declined by 3.6% 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 (-34.5%) over the past year, making it difficult to compare to the Insurance industry average (-12.4%).


Return on Equity

High ROE: WUW's Return on Equity (3.7%) 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 (€48.2B) exceed its short term liabilities (€3.9B).

Long Term Liabilities: WUW's short term assets (€48.2B) do not cover its long term liabilities (€67.6B).


Debt to Equity History and Analysis

Debt Level: WUW's debt to equity ratio (81.2%) is considered high.

Reducing Debt: WUW's debt to equity ratio has reduced from 239.4% to 81.2% over the past 5 years.

Debt Coverage: WUW's debt is well covered by operating cash flow (25.6%).

Interest Coverage: WUW's interest payments on its debt are not well covered by EBIT (1.3x coverage).


Balance Sheet


Next Steps

Dividend

What is Wüstenrot & Württembergische current dividend yield, its reliability and sustainability?

4.37%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: WUW's dividend (4.37%) is higher than the bottom 25% of dividend payers in the German market (1.18%).

High Dividend: WUW's dividend (4.37%) is in the top 25% of dividend payers in the German market (3.71%)


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 (34%), 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 (27.7% payout ratio).


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

3.8yrs

Average management tenure


CEO

Jürgen Junker (51 yo)

3.75yrs

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 ($USD1.86M) is about average for companies of similar size in the German market ($USD1.54M).

Compensation vs Earnings: Jürgen's compensation has been consistent with company performance over the past year.


Leadership Team

NamePositionTenureCompensationOwnership
Jürgen Junker
Chairman of the Management Board & CEO3.75yrs€1.58mno data
Frank Weber
Employee Representative Deputy Chairman of the Supervisory Board9.33yrs€78.30kno data
Jens Wieland
Chief Information Officer & Member of Management Board8.25yrs€812.50kno data
Jürgen Steffan
Chief Risk Officer2.25yrs€691.90kno data
Alexander Mayer
CFO & Member of Management Board0.083yrno datano data
Bernd Hertweck
Member of Management Boardno datano datano data
Thomas Bischof
Member of Management Boardno datano datano data
Daniel Welzer
Member of Management Board2.75yrsno datano data
Matthias Schell
Head of Group Accountingno data€12.00kno data
Michael Ellwanger
Head of Investor Relationsno datano datano data
Susanne Pauser
Chief Human Resources Officer6.5yrsno datano data
Margret Obladen
Head of Group Lawno datano datano data

3.8yrs

Average Tenure

51yo

Average Age

Experienced Management: WUW's management team is considered experienced (3.8 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Frank Weber
Employee Representative Deputy Chairman of the Supervisory Board9.33yrs€78.30kno data
Reiner Hagemann
Supervisory Board Member14.33yrs€39.50kno data
Hans Sauer
Supervisory Board Chairman15.33yrs€107.90kno data
Marika Lulay
Supervisory Board Member4.33yrs€31.50kno data
Corinna Linner
Supervisory Board Member5.33yrs€47.50kno data
Peter Buschbeck
Supervisory Board Member6.42yrs€34.50kno data
Ute Hobinka
Employee Representative Supervisory Board Member9.33yrs€37.80kno data
Jochen Höpken
Employee Representative Supervisory Board Member9.33yrs€30.00kno data
Christoph Seeger
Employee Representative Supervisory Board Member9.33yrs€67.80kno data
Andreas Rothbauer
Employee Representative Supervisory Board Member9.75yrs€59.50kno data
Bernd Mader
Employee Representative Supervisory Board Member4.33yrs€35.50kno data
Hans-Ulrich Schulz
Supervisory Board Member4.33yrs€35.50kno data

9.3yrs

Average Tenure

67.5yo

Average Age

Experienced Board: WUW's board of directors are considered experienced (9.3 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: €1.392b
  • 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

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
WUWDB (Deutsche Boerse AG)YesOrdinary SharesDEEURSep 1999
WUWXTRA (XETRA Trading Platform)YesOrdinary SharesDEEURSep 1999
0GJNLSE (London Stock Exchange)YesOrdinary SharesGBEURSep 1999
WUWSWX (SIX Swiss Exchange)YesOrdinary SharesCHCHFSep 1999
WUWWBAG (Wiener Boerse AG)YesOrdinary SharesATEURSep 1999
WUWdBATS-CHIXE (BATS 'Chi-X Europe')YesOrdinary SharesGBEURSep 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/19 21:13
End of Day Share Price2020/10/19 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.