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Wüstenrot & Württembergische AG (WWUEY) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Wüstenrot & Württembergische AG $10.51, price $8.86, upside +18.6%, quality 43 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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Some data
Sep 24, 2026
Some data
Sep 24, 2026
Wüstenrot & Württembergische AG
WWUEY · USSpeculativeUpside exists, but weak quality makes the signal speculative.
✓Fair value $10.51 · Undervalued (+18.6%)
!Quality 43/100
!Weak Growth (revenue 5y −3.1 %/yr)
!Thin margins · 2.1% net margin (TTM)
!High debt · negative free cash flow
!7.3% dividend yield · Watch coverage
!Narrow moat 36/100
!Evidence only medium, so the estimate is less certain
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What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
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 24, 2026.
How to read this chart
60‑month range $0.0002 – $9.01 · fair‑value band $7.89 – $13.14 · the $8.86 price screens below the $10.51 fair value. Dashed = 300-day average. As of Sep 24, 2026.
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 (WWUEY) currently trades at $8.86, while our model-based Fair Value estimate is $10.51, implying the stock looks roughly 15.7% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $19.82 per share, and 4 of the 6 models we run sit above the $8.86 price.
Bear case: the Dividend Discount group reads lowest at $2.95, and 2 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $7.89 (bear) to $13.14 (bull), the price of $8.86 sits inside 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 43/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Wüstenrot & Württembergische AG reported revenue of €5.8B in FY2025 versus €7.7B in FY2021, a compound −7.0%/yr. Reported net income was €116M in FY2025, compounding −24.1%/yr from FY2021.
Key figures
Market cap $3.3B · P/E ratio 12.0 · P/S ratio 0.24 · EPS (TTM) $0.7400 · Dividend yield 7.3% · Net margin 2.0% · Return on equity 2.5% · Return on assets (EBIT) 0.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 2% below its 52-week high and 11% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at 19%, WWUEY screens cheaper than that median.
Fair Value models
Bear $7.89
Fair Value $10.51
Bull $13.14
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.0681 per share) are deliberately not added.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income
$20.07
$19.33
$19.05
76
Gordon GGM
$2.73
$2.95
$3.26
69
DDM Multi-Stage
$2.73
$3.25
$3.92
67
All 6 models by family
Dividend Discount
Gordon GGM
$2.73
$2.95
$3.26
69
DDM Multi-Stage
$2.73
$3.25
$3.92
67
Multiples
P/E Multiple
$6.80
$9.07
$11.34
63
P/B Multiple
$8.90
$11.86
$14.83
55
Asset-Based
NCAV (Graham)
$14.79
$19.82
$29.58
54
Economic Profit
Residual Income
$20.07
$19.33
$19.05
76
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Set up alert →Quality Score breakdown
Overall quality
43/100
Of which business quality 40 · Market factors (momentum, volatility) 67
Profitability
15
Margins and returns on capital today
Quality Growth
48
Are margins and returns improving?
Cashflow
66
Earnings quality: real cash, not paper profit
Fin. Strength
5
Balance sheet, leverage, solvency risk
Investment
94
Disciplined investing over empire-building
Low Volatility
92
Calm price path (market factor)
Momentum
52
Price trend over the last 3–12 months (market factor)
52W Momentum
65
Distance to the 52-week high (market factor)
Net Issuance
40
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
14/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−6.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−3.1%
Start year 2020 (pandemic). Over 10 years: −2.5% a year
Revenue growth 19 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.4%
’14
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’18
’19
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’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−17.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−25.2%
Dividend (yield on the price)7.3%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−25.2% vs −13.1%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.5% → 4%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 8.5%/yr over ~10Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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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 · 88 stocks
Beats the industry median on 4/13 measures
Overall it trails its industry peers.
Valuation Multiplesvs Insurance - Life median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
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 | ¥53.29 | ¥67.19 | +26% |
| AIA Group 1299 | HK$73.75 | HK$41.69 | −43% |
| Manulife Financial Corporation MFC | $42.59 | $27.37 | −36% |
| MetLife, Inc MET | $94.35 | $54.39 | −42% |
| Great-West Lifeco Inc GWO | C$93.34 | C$42.07 | −55% |
| Aflac Incorporated AFL | $111.18 | $67.02 | −40% |
| 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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Frequently asked questions
Is Wüstenrot & Württembergische AG (WWUEY) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $10.51 versus the last price from Sep 25, 2026 of $8.86, about +19% upside (undervalued).
What is the fair value of WWUEY?
Our model-based fair value for Wüstenrot & Württembergische AG is $10.51 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $8.86.
What is the quality score of WWUEY?
Wüstenrot & Württembergische AG has a Quality Score of 43/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Wüstenrot & Württembergische AG (WWUEY)?
Our model-based price target is the fair value of $10.51 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $7.89, optimistic scenario $13.14. It is a calculation from audited fundamentals, not an analyst target.
What is the Wüstenrot & Württembergische AG stock forecast for 2026?
Our models put fair value at $10.51, about +19% upside versus the last price from Sep 25, 2026 of $8.86 (undervalued). Cautious scenario $7.89, optimistic scenario $13.14. The calculation is refreshed regularly with new filings.
What is the revenue of Wüstenrot & Württembergische AG (WWUEY)?
Wüstenrot & Württembergische AG reported trailing-twelve-month revenue of about €5.8B (latest available figure, as of Sep 24, 2026).
Does Wüstenrot & Württembergische AG pay a dividend?
Wüstenrot & Württembergische AG currently shows a dividend yield of about 7.34% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Wüstenrot & Württembergische AG (WWUEY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Wüstenrot & Württembergische AG it is $10.51 per share (as of Sep 24, 2026), against a price of $8.86. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Wüstenrot & Württembergische AG stock overvalued or undervalued in 2026?
As of Sep 24, 2026, WWUEY trades below its calculated fair value: price $8.86, fair value $10.51, a gap of about +19% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of WWUEY?
No. The price is what the market pays today ($8.86); the fair value is what the company's own numbers justify ($10.51). For Wüstenrot & Württembergische AG the two are $1.65 per share apart. That gap is exactly why we show both numbers side by side.
How much is Wüstenrot & Württembergische AG worth?
The market values Wüstenrot & Württembergische AG at about $3.3B (market capitalisation, as of Sep 24, 2026). Per share that is $8.86; our models calculate a fair value of $10.51 per share.
What do the bullish and bearish scenarios say about WWUEY?
Our models span a range for Wüstenrot & Württembergische AG: cautious scenario $7.89, base $10.51, optimistic $13.14 per share (as of Sep 24, 2026, price $8.86). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of WWUEY?
Wüstenrot & Württembergische AG trades at a price-to-earnings ratio of 12.0 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $10.51 is built from several models across several years. Other multiples: P/B 0.3, P/S 0.3, EV/EBITDA 6.8.
How solid is the balance sheet of Wüstenrot & Württembergische AG (WWUEY)?
Balance-sheet figures for Wüstenrot & Württembergische AG (as of Sep 24, 2026): return on equity 2.5%, debt of 1.67 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is WWUEY from its 52-week high?
Wüstenrot & Württembergische AG trades at $8.86, about 2% below its 52-week high of $9.01 and 11% above the low of $7.95 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $10.51 is for.
Which stocks are comparable to Wüstenrot & Württembergische AG?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Wüstenrot & Württembergische AG stock attractive at the current price?
The data as of Sep 24, 2026: price $8.86, calculated fair value $10.51 (+19%), Quality Score 43/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of WWUEY calculated?
We run Wüstenrot & Württembergische AG through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $10.51, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Wüstenrot & Württembergische AG currently trades 16 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Wüstenrot & Württembergische AG (WWUEY)?
The latest price we hold is from Sep 25, 2026 and stands at $8.86. Our model-based fair value is $10.51, about +19% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Wüstenrot & Württembergische AG right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Where does the earnings growth of Wüstenrot & Württembergische AG (WWUEY) come from?
Earnings per share at Wüstenrot & Württembergische AG grew −14.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share −7.7 %, EBIT margin −5.3 %, tax rate −2.3 %, residual (interest, one-offs) −0.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Wüstenrot & Württembergische AG
How large is the market capitalisation of Wüstenrot & Württembergische AG (WWUEY)?
The market capitalisation of Wüstenrot & Württembergische AG is $3.3B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Wüstenrot & Württembergische AG (WWUEY)?
The price-to-sales ratio of Wüstenrot & Württembergische AG is 0.24 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Wüstenrot & Württembergische AG (WWUEY)?
Earnings per share at Wüstenrot & Württembergische AG are $0.7400 (price ÷ EPS = P/E 12.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Wüstenrot & Württembergische AG (WWUEY)?
The dividend yield of Wüstenrot & Württembergische AG is 7.3% (payout 87.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Wüstenrot & Württembergische AG (WWUEY)?
The net margin of Wüstenrot & Württembergische AG is 2.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Wüstenrot & Württembergische AG (WWUEY)?
The return on equity (ROE) of Wüstenrot & Württembergische AG is 2.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Wüstenrot & Württembergische AG (WWUEY)?
On an EBIT basis the return on assets of Wüstenrot & Württembergische AG is 0.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Wüstenrot & Württembergische AG (WWUEY)?
The operating margin of Wüstenrot & Württembergische AG is 18.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Wüstenrot & Württembergische AG (WWUEY)?
Revenue at Wüstenrot & Württembergische AG is growing +2.8% versus a year earlier (3y avg +10.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Wüstenrot & Württembergische AG (WWUEY)?
Earnings per share at Wüstenrot & Württembergische AG are growing −58.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Wüstenrot & Württembergische AG (WWUEY) generate?
The free cash flow of Wüstenrot & Württembergische AG is −€1.9B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Wüstenrot & Württembergische AG (WWUEY) carry?
The net debt of Wüstenrot & Württembergische AG is €7.1B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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