Wüstenrot & Württembergische AG (WUW) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Wüstenrot & Württembergische AG €19.12, price €13.22, upside +44.6%, quality 42 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? No
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Wüstenrot & Württembergische AG
WUW · XETRASpeculativeUpside exists, but weak quality makes the signal speculative.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range €10.52 – €15.84 · fair‑value band €14.34 – €23.89 · the €13.22 price screens below the €19.12 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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Company profile
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.
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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.
Stock analysis
Wüstenrot & Württembergische AG (WUW) currently trades at €13.22, while our model-based Fair Value estimate is €19.12, implying the stock looks roughly 30.9% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of €35.23 per share, and 4 of the 6 models we run sit above the €13.22 price.
Bear case: the Dividend Discount group reads lowest at €6.56, and 2 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: €14.34 (bear) to €23.89 (bull), the price of €13.22 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 42/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
Wüstenrot & Württembergische AG reported revenue of €6.9B in FY2025 versus €7.7B in FY2021, a compound −2.6%/yr. Reported net income was €121M in FY2025, compounding −23.3%/yr from FY2021.
Key figures
Market cap €1.4B · P/E ratio 10.2 · P/S ratio 0.18 · EPS (TTM) €1.29 · Dividend yield 4.9% · Net margin 1.7% · Return on equity 2.5% · Return on assets (EBIT) 0.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 17% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at 45%, WUW screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 35 · Market factors (momentum, volatility) 48
Revenue & earnings trend
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Compare Wüstenrot & Württembergische AG with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Life · 89 stocks
Valuation Multiplesvs Insurance - Life median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: German Stocks
- Valuation of the Germany market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥37.43 | ¥49.98 | +34% |
| Ping An Insurance (Group) Company 601318 | ¥53.25 | ¥67.19 | +26% |
| AIA Group 1299 | HK$73.75 | HK$41.69 | −43% |
| Manulife Financial Corporation MFC | $43.86 | $27.55 | −37% |
| MetLife, Inc MET | $97.70 | $54.39 | −44% |
| Great-West Lifeco Inc GWO | C$93.34 | C$42.07 | −55% |
| Aflac Incorporated AFL | $113.72 | $67.02 | −41% |
| Life Insurance Corporation LICI | ₹409.05 | ₹299.19 | −27% |
| Cathay Financial Holding 2882 | 110.50 TWD | 71.47 TWD | −35% |
| China Pacific Insurance (Group) Co 601601 | ¥30.88 | ¥48.28 | +56% |
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Key figures of Wüstenrot & Württembergische AG
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