Wüstenrot & Württembergische AG (WUW) Fair Value & Analysis
Financial Services · DE · Market cap €1.4B
Fair value as of: Aug 13, 2026
From 6 valuation models · updated 3 days ago
Fair value updated Aug 13, 2026, revised from €16.78 to €19.12 (+13.9%) since Jul 12, 2026. Share price −2.0% over the past month.
Below-average quality, screening 32% undervalued on our models.
What matters now
- The large discount to fair value meets weak quality (42/100). That raises the risk this is a value trap rather than a bargain.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range €10.52 – €15.84 · fair‑value band €14.34 – €23.89 · the €14.50 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 Aug 13, 2026.
Analysis
Wüstenrot & Württembergische AG (WUW) currently trades at €14.50, while our model-based Fair Value estimate is €19.12, implying the stock looks roughly 31.9% undervalued today. The Quality Score stands at 42/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Wüstenrot & Württembergische AG generated revenue of €5.8B at a net margin of 2.1%. Revenue grew 2.8% year over year. It earns a return on equity of 2.5%. Net debt stands at €8.2B. Fundamentals as of Aug 13, 2026
Our scenario range runs from €14.34 (bear case) to €23.89 (bull case); at €14.50, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 10% below its 52-week high and 15% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 34% fair-value upside, at 32%, WUW screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Asset-Based (€35.23) versus Dividend Discount (€6.56). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 35 · Market factors (momentum, volatility) 56
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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 description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
of which total revenue −1.6 pp · buybacks/dilution +0.0 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
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Peer Group
Insurance - Life · 96 stocks
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.
Valuation Multiples vs Insurance - Life median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥37.33 | ¥49.98 | +34% |
| Ping An Insurance (Group) Company 601318 | ¥52.60 | ¥84.72 | +61% |
| Manulife Financial Corporation 0945 | HK$343.40 | HK$143.17 | -58% |
| Life Insurance Corporation LICI | ₹412.15 | ₹392.93 | -5% |
| China Pacific Insurance (Group) Co 601601 | ¥30.48 | ¥57.51 | +89% |
| Samsung Life Insurance Co 032830 | 302,500 KRW | 191,293 KRW | -37% |
| Prudential plc PUKN | 545.00 MXN | 499.36 MXN | -8% |
| New China Life Insurance Company 601336 | ¥58.83 | ¥99.92 | +70% |
| SBI Life Insurance Company SBILIFE | ₹1,830 | ₹293.11 | -84% |
| Cathay Financial Holding 2882B | 59.00 TWD | 107.71 TWD | +83% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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