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German financial-services group combining a home-loan savings bank (Wuestenrot) with an insurance business (Wuerttembergische).
German financial-services group combining a home-loan savings bank (Wuestenrot) with an insurance business (Wuerttembergische).
Collects premiums on life and property insurance and earns the interest spread on its building-society deposits and loans, where savers lock in a low loan rate by saving first; insurance premiums carry the group. Sales go through a large force of tied agents.
In one line: A German bancassurer like a smaller MetLife plus a savings & loan.
Moat: narrow (brand, distribution, regulatory licence). Established dual bank-insurance distribution model, but faces a mature, low-growth German savings/insurance market.
Headquarters: Stuttgart / Ludwigsburg, Germany · Founded: 1999 · Employees: 7,565
Size Wuestenrot & Wuerttembergische (WUW.DE) is a Germany Financials company (Multi-Line Insurance) with a market value of $1.39B, the 128th largest of 205 Germany companies the cockpit tracks. Shares closed at €13.20 on 6 Nov 2026.
Performance Over six months the shares fell 6.4%, against +3.0% for the median peer and +2.6% for the Germany market (cap-weighted) — 8th lowest of 21 in its peer set.
Growth Revenue grew 4.0% over the last twelve months (peer median +12.7%); the operating margin is 14.6% (peer median 8.1%).
Valuation It trades at 0.25× book value against a peer median of 1.24× (cheapest of 21).
Price implies The share price implies a return on equity of about 3.6%; Wuestenrot & Wuerttembergische delivers 2.7%, so the price asks more than the business earns today.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | €7.08B | €6.94B | €6.77B | €6.50B | €6.35B |
| Revenue growth | — | +2% | +4% | +2% | — |
| Net income | €135M | €121M | €33.0M | €139M | €235M |
| Free cash flow | -€2.15B | -€1.95B | €678M | -€201M | -€2.38B |
| Capital expenditure | €52.0M | €43.0M | €68.0M | €70.0M | €123M |
| Total debt | n/a | €8.24B | €5.09B | €5.75B | €5.28B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Wuestenrot & Wuerttembergische WUW.DE | $1.39B | -6% | +4% | 3% | 0.25× | 3.6% |
| Allianz ALV.DE | $192B | +19% | +21% | 21% | 2.98× | 16.0% |
| Munchener Ruckversicherungs-Gesellschaft MUV2.DE | $80.3B | +22% | 0% | 21% | 2.13× | 9.0% |
| Nuernberger Beteiligungs NBG6.DE | $1.58B | +1% | -1% | 5% | 1.58× | 6.0% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | WUW.DE | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +1.4% | +1.8% | 10th lowest of 21 |
| 6-month return | -6.4% | +3.0% | 8th lowest of 21 |
| Return on equity | 2.7% | 10.0% | 5th lowest of 21 |
| Price / book | 0.25× | 1.24× | cheapest of 21 |
| Trailing P/E | 9.2× | 14.0× | 7th cheapest of 19 |
| ROE the price implies | 3.6% | 10.2% | least demanding of 20 |
| ROE delivered | 2.7% | 9.9% | 5th lowest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Wuestenrot & Wuerttembergische WUW.DE | Germany | $1.39B | -6% | +4% | 3% | 0.25× | 3.6% | 2.7% |
| Linea Directa Aseguradora LDA.MC | Spain | $1.48B | +3% | +10% | 23% | 3.07× | 11.7% | 23.3% |
| Trupanion TRUP | United States | $1.61B | +49% | +12% | 6% | 3.94× | 35.3% | 6.1% |
| Central Reinsurance 2851.TW | Taiwan | $1.12B | +52% | +21% | 37% | 1.41× | 5.1% | 37.4% |
| Bowhead Specialty BOW | United States | $1.12B | +26% | +24% | 14% | 2.48× | 11.3% | 13.6% |
| Korean Reinsurance 003690.KS | South Korea | $1.74B | +8% | -2% | 14% | 0.73× | 4.8% | 14.4% |
| Chesnara CSN.L | United Kingdom | $1.08B | +11% | +192% | 0% | 2.14× | 15.7% | 0.3% |
| Zhongan Online P&C Insurance 6060.HK | Hong Kong | $2.06B | -19% | +16% | 8% | 0.54× | 8.0% | 8.2% |
| Seoul Guarantee Insurance 031210.KS | South Korea | $2.26B | -8% | +14% | 6% | 0.61× | 4.5% | 6.0% |
| Religare Enterprises RELIGARE.NS | India | $845M | +4% | +18% | 3% | 2.67× | 23.7% | n/a |
| NIB NHF.AX | Australia | $2.29B | +4% | +5% | 17% | 2.90× | 13.2% | 16.6% |
| Pelagos Insurance Capital PLGO | United States | $2.29B | +33% | -4% | 18% | 1.03× | 6.5% | 17.6% |
| Sagicor Financial SFC.TO | Canada | $792M | -14% | -4% | 12% | 0.75× | 4.6% | 11.6% |
| Go Digit General Insurance GODIGIT.NS | India | $2.44B | -21% | +9% | 12% | 4.91× | 37.4% | n/a |
| Vaudoise Assurances VAHN.SW | Switzerland | $2.66B | -8% | +14% | 6% | 0.78× | n/a | 5.9% |
| Donegal DGICA | United States | $723M | +9% | -3% | 11% | 1.07× | 6.6% | 10.7% |
| Skyward Specialty Insurance SKWD | United States | $2.68B | +29% | +38% | 17% | 2.11× | 10.2% | 17.3% |
| New India Assurance NIACL.NS | India | $2.74B | -5% | +9% | -1% | 0.62× | 14.0% | -1.3% |
| Lemonade LMND | United States | $3.06B | -28% | +77% | -27% | 6.12× | 75.0% | -27.0% |
| F&G Annuities & Life FG | United States | $3.06B | -17% | +14% | 9% | 0.66× | 8.4% | 9.2% |
| Genworth Financial GNW | United States | $3.29B | -5% | -1% | 2% | 0.38× | 5.3% | 2.3% |