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Wüstenrot & Württembergische AG

Wüstenrot & Württembergische AG

WUW · XETRA · Financial Services / Insurance - Life

13.44EUR+0.10 (+0.75%)

Price History

Full chart

Market Stats

Previous Close13.34
Open13.38
Day Range13.34 – 13.50
52-Week Range12.87 – 16.03
Volume37.71K
Market Cap1.23B
P/E (TTM)9.15
Forward P/E9.03
EPS1.44
Dividend Yield4.96%
Beta0.73
50-Day Avg14.22
200-Day Avg14.83

About

Wüstenrot & Württembergische AG, together with its subsidiaries, provides insurance products and services in Germany. It operates through Residential, Life and Health Insurance, Property/Casualty Insurance, and All Other segments. The Residential segment offers home loan savings and banking products, such as home loan savings contracts, bridge financing loans, mortgage loans, and other building loans primarily for retail customers. The Life and Health Insurance segment provides life and health insurance products, including traditional and unit-linked life and pension insurance, term life insurance, occupational disability insurance, private comprehensive health insurance and supplementary health insurance and long-term care insurance for individuals and groups. The Property/Casualty Insurance segment offers various insurance products, such as motor, liability, accident, legal expenses, residential building, household contents, transport, and technical insurance, as well as credit and suretyship insurance for retail and corporate customers. The All Other segment engages in asset management and property development activities; and provides real estate brokerage services. The company distributes its products and services through partners, brokers, and online sales channels. Wüstenrot & Württembergische AG was founded in 1828 and is based in Kornwestheim, Germany.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Life
  • CEOMr. Jurgen Albert Junker
  • Employees7.63K
  • HeadquartersW&W-Platz 1, Kornwestheim, Germany, 70806, Germany
  • Websitehttps://www.ww-ag.com

Leadership

  • Mr. Jurgen Albert JunkerCEO, Chairman of the Management Board & Labor Director · b. 1969
  • Mr. Jens WielandChief Information Officer & Member of Management Board · b. 1966
  • Mr. Matthias BogkCFO, Chief Risk Officer & Member of the Executive Board · b. 1978
  • Mr. Bernd HertweckMember of Management Board & Head of Housing Division · b. 1967
  • Ms. Zeliha HanningMember of Management Board and Head of Property & Casualty Insurance Division · b. 1979
  • Mr. Jacques WasserfallMember of Management Board and Head of Life & Health Insurance Division · b. 1975
  • Mr. Matthias SchellHead of Group Accounting
  • Mr. Michael EllwangerHead of Investor Relations
  • Dr. Margret ObladenHead of Corporate Law

Financials

Income Statement

Currency: EUR2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue5.08B4.93B5.35B5.18B5.12B5.66B5.84B6.85B7.48B7.35B7.57B7.41B7.05B6.15B5.75B7.05B6.76B7.72B4.27B5.99B6.15B5.77B
Growth (%)--3.06%+8.69%-3.24%-1.28%+10.60%+3.15%+17.33%+9.21%-1.67%+2.91%-2.01%-4.91%-12.78%-6.47%+22.57%-4.07%+14.19%-44.69%+40.14%+2.81%-6.18%
Cost of Revenue-2.00B619.99M604.60M581.89M549.60M2.88B625.08M635.09M634.43M624.82M631.65M637.84M659.23M704.05M746.96M754.89M819.46M323.93M312.00M217.00M220.00M
Gross Profit-2.93B4.73B4.58B4.53B5.11B5.84B6.22B6.84B6.72B6.94B6.78B6.41B5.49B5.05B6.30B6.01B6.90B3.95B5.67B5.94B5.55B
Gross Margin-59.50%88.42%88.33%88.62%90.29%100.00%90.87%91.51%91.37%91.74%91.48%90.95%89.28%87.76%89.40%88.84%89.39%92.42%94.79%96.47%96.19%
Operating Expense-2.77B897.91M713.08M681.02M4.82B5.62B6.03B6.55B6.53B6.66B6.46B6.12B8.84B4.73B5.95B5.70B6.42B3.63B5.47B5.91B5.34B
Operating Income1.38B160.74M3.84B3.86B3.85B292.39M214.63M192.77M290.65M184.58M283.00M323.62M291.57M-3.35B320.49M353.01M306.87M480.66M317.25M204.00M29.00M212.00M
Operating Margin27.20%3.26%71.65%74.57%75.31%5.17%3.68%2.82%3.89%2.51%3.74%4.36%4.14%-54.51%5.57%5.01%4.54%6.22%7.43%3.41%0.47%3.67%
EBITDA1.39B1.33B3.92B4.14B3.91B347.53M274.11M1.32B1.35B1.11B1.26B1.17B1.03B944.04M964.18M1.05B856.34M986.70M392.86M287.00M139.00M400.00M
EBITDA Margin27.32%27.08%73.25%79.93%76.34%6.14%4.70%19.21%18.01%15.11%16.66%15.74%14.65%15.35%16.77%14.95%12.66%12.78%9.20%4.80%2.26%6.93%
Net Income75.51M50.72M35.58M200.44M59.70M222.11M179.75M179.00M221.86M143.14M233.38M270.35M232.92M256.64M214.21M248.08M209.91M350.52M235.42M139.00M34.00M121.00M
Net Income Margin1.49%1.03%0.66%3.87%1.17%3.93%3.08%2.61%2.97%1.95%3.08%3.65%3.30%4.17%3.72%3.52%3.10%4.54%5.51%2.32%0.55%2.10%
Interest Expense1.16B1.17B-1.22B01.74B1.68B1.06B986.78M800.82M888.11M751.98M677.96M587.00M582.48M615.37M472.00M430.56M30.36M72.00K75.00M98.00M
Interest Expense % of Total Revenue22.82%23.81%-23.62%0.00%30.74%28.80%15.50%13.20%10.89%11.74%10.14%9.62%9.55%10.13%8.73%6.98%5.58%0.71%0.00%1.22%1.70%

Balance Sheet

Currency: EUR2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets55.04B71.44B70.44B68.13B64.46B69.54B75.99B75.36B77.19B75.04B78.54B74.09B72.28B72.02B72.04B75.74B76.49B75.21B65.50B68.68B72.27B74.29B
Total Liabilities52.68B69.21B68.21B65.64B62.11B66.89B73.14B72.39B73.78B71.79B74.86B70.44B68.46B68.05B67.80B70.91B71.40B70.34B61.79B63.72B67.34B67.58B
Total Equity2.27B2.23B2.23B2.42B2.29B2.59B2.76B2.89B3.31B3.17B3.56B3.63B3.79B3.94B4.21B4.80B5.04B4.84B4.86B4.93B4.90B4.93B
Cash3.19M4.19M3.61M182.33M146.48M110.32M171.74M165.89M1.64B425.91M339.05M299.45M366.48M154.09M83.90M35.76M75.12M72.14M116.17M1.05B997.00M1.11B
Total Debt13.33B12.00B10.66B9.37B7.72B8.46B9.61B9.67B8.60B7.74B8.22B5.78B4.34B5.72B3.87B5.19B6.07B5.63B5.28B5.75B5.09B8.24B
Net Debt13.33B12.00B10.66B9.18B7.58B8.35B9.44B9.50B6.96B7.32B7.88B5.48B2.96B3.97B3.11B3.65B3.96B4.65B5.16B4.71B4.09B7.13B

Cash Flow

Currency: EUR2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-1.95B125.52M-2.04B552.77M2.26B3.59B1.78B-66.53M998.21M1.71B2.15B-1.31B-1.56B296.86M-723.55M1.06B434.95M-795.99M-2.23B-108.12M333.00M-1.90B
Investing Cash Flow2.41B-298.31M-607.75M-2.08B-3.84B-1.29B628.50M-839.01M-1.14B-2.68B1.72B1.88B74.38M860.78M-1.32B-266.63M350.93M2.55B53.71M-66.00M-1.07B
Financing Cash Flow21.71M16.03M15.80M-68.64M-115.67M-31.52M-87.49M-96.07M-64.14M-101.35M134.27M-185.96M-236.91M-26.84M-100.13M-109.87M-20.96M197.37M-102.52M-98.22M-333.00M3.09B
Capital Expenditure137.42M0058.62M12.46B55.58M43.06M57.49M90.04M67.38M50.27M58.43M96.61M117.00M62.80M135.50M159.82M116.95M122.61M69.93M68.00M43.00M
Free Cash Flow-2.09B125.52M-2.04B494.15M-10.20B3.53B1.74B-124.02M908.17M1.65B2.10B-1.36B-1.65B179.86M-786.35M925.03M275.13M-912.94M-2.36B-178.05M265.00M-1.95B
Dividends Paid25.87M-43.12M--46.53M58.94M46.00M46.00M46.00M18.32M46.88M56.09M56.13M60.85M60.90M60.93M60.88M60.91M60.91M61.00M61.00M
FCF to OCF107.04%100.00%100.00%89.39%-451.19%98.45%97.58%186.40%90.98%96.07%97.66%104.48%106.20%60.59%108.68%87.22%63.26%114.69%105.49%164.68%79.58%102.26%
Dividend Paid to FCF-1.24%--2.11%--1.32%3.39%-37.09%5.06%2.79%0.87%-3.44%-3.39%31.21%-7.74%6.58%22.14%-6.67%-2.58%-34.21%23.02%-3.14%

Earnings

Report DateJun 30, 2003Sep 30, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Dec 31, 2005Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Dec 2, 2009Mar 3, 2010Jun 2, 2010Aug 11, 2010Dec 1, 2010Apr 30, 2011Aug 15, 2011Nov 14, 2011Feb 29, 2012May 14, 2012Aug 13, 2012Nov 28, 2012Feb 27, 2013May 17, 2013Aug 16, 2013Nov 18, 2013May 16, 2014Aug 15, 2014Nov 17, 2014May 12, 2015Aug 14, 2015Nov 13, 2015May 14, 2016Aug 12, 2016Nov 11, 2016Mar 31, 2017May 12, 2017Aug 11, 2017Nov 14, 2017Mar 28, 2018May 15, 2018Aug 14, 2018Nov 20, 2018Mar 29, 2019May 15, 2019Aug 15, 2019Nov 14, 2019Mar 30, 2020May 15, 2020Aug 13, 2020Nov 13, 2020Mar 31, 2021May 20, 2021Aug 13, 2021Nov 12, 2021Mar 30, 2022May 13, 2022Aug 12, 2022Nov 11, 2022Mar 31, 2023May 31, 2023Jul 17, 2023Oct 25, 2023Mar 27, 2024May 17, 2024Aug 30, 2024Nov 15, 2024Mar 28, 2025May 16, 2025Aug 14, 2025Nov 17, 2025Nov 12, 2026
EPS Estimate-----------------------0.55--------------0.78-0.650.610.650.640.680.64-0.470.570.640.590.430.640.900.640.270.260.870.670.00-------0.00-0.000.00-----0.00-0.00-
EPS Actual0.01-0.020.390.350.12-0.060.070.450.461.100.440.320.350.600.03-0.310.650.830.500.440.490.530.450.570.480.330.550.670.670.570.510.370.92-0.210.560.810.650.570.940.600.670.610.620.590.740.910.640.450.610.630.600.450.831.040.460.320.260.880.670.421.111.110.431.230.610.430.681.051.051.24-0.850.410.54-0.700.200.320.000.960.00-
Surprise-----------------------3.64%--------------20.51%-3.08%0.00%-4.62%-7.81%8.82%42.19%--4.26%7.02%-1.56%1.69%4.65%29.69%15.56%-28.13%18.52%0.00%1.15%0.00%---------------------
Timing-----------------------After-hours--------------After-hours-Pre-market-Pre-marketPre-market-After-hours--After-hoursPre-marketAfter-hoursPre-market-Pre-marketAfter-hoursPre-market-After-hours------Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hours--After-hours-After-hours-Pre-market

Key Statistics & Ratios

Market Cap1.23B
Enterprise Value9.52B
Trailing P/E9.15
Forward P/E9.03
PEG Ratio1.48
Price / Sales0.21
Price / Book0.26
EPS1.44
Book Value53.09
Revenue (TTM)5.79B
Gross Profit (TTM)1.55B
EBITDA1.12B
Profit Margin2.33%
Operating Margin18.44%
Return on Equity2.70%
Return on Assets0.89%
Shares Outstanding93.54M
Shares Float21.63M
Beta0.73
Dividend Yield4.96%
Dividend Rate0.65
Payout Ratio45.14%

Dividends

20261×
0.65May 14, 2026
20251×
0.65May 23, 2025
20241×
0.65May 15, 2024
20231×
0.65May 24, 2023
20221×
0.65May 26, 2022
20211×
0.65May 21, 2021
20202×
0.65Jun 26, 20200.65May 20, 2020
20191×
0.65Jun 6, 2019
20182×
0.65Jun 14, 20180.65May 18, 2018
20171×
0.60Jun 2, 2017
20161×
0.60Jun 10, 2016
20151×
0.50Jun 12, 2015
20141×
0.50May 29, 2014
20131×
0.50Jun 14, 2013
20121×
0.50May 28, 2012
20111×
0.50Jun 2, 2011
20101×
0.60Jun 11, 2010
20091×
0.37May 20, 2009
20081×
0.37Jun 16, 2008
20061×
0.37Jun 15, 2006
20051×
0.29Jun 15, 2005
20041×
0.22Jul 7, 2004

Stock Splits

  • Jul 24, 20091216:1215