Wüstenrot & Württembergische AG (WUW) Fair Value & Analysis
Financial Services · DE · Market cap €1.4B
Fair value as of: Jun 26, 2026
From 15 valuation models · updated 6 days ago
Share price +4.5% over the past month.
Price vs Fair Value (12 months)
12‑month range €12.26 – €15.22 · fair‑value band €12.58 – €20.97 · the €14.40 price screens below the €16.78 fair value. As of Jun 26, 2026.
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Wüstenrot & Württembergische AG (WUW) currently trades at €14.40, while our model-based Fair Value estimate is €16.78 — implying the stock looks roughly 16.5% undervalued today. We read business quality at 51/100 (solid 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 Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
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. 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 …
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.
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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.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.