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1. Company Snapshot

1.a. Company Description

Wüstenrot & Württembergische AG, together with its subsidiaries, provides insurance products and services in Germany, the Czech Republic, and internationally.It operates through Housing, Life and Health Insurance, Property/Casualty Insurance, and All Other segments.The Housing segment offers home loan savings and banking products primarily for retail customers, such as home loan savings contracts, bridging loans, and mortgage loans.


The Life and Health Insurance segment provides life and health insurance products for individuals and groups, including classic and unit-linked life and annuity insurance, term insurance, classic and unit-linked Riester and basic pensions, and occupational disability insurance, as well as full and supplementary private health insurance and nursing care insurance.The Property/Casualty Insurance segment offers various insurance products for retail and corporate customers, including general liability, casualty, motor, household, residential building, legal expenses, transport, and technical insurance.The All Other segment provides asset management and property development services; and markets home loan savings and banking products.


The company distributes its products and services through partners, brokers, and its mobile sales force, as well as through online sales channels.Wüstenrot & Württembergische AG was founded in 1828 and is headquartered in Stuttgart, Germany.

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1.b. Last Insights on WUW

Wüstenrot & Württembergische AG's recent performance was driven by a 1.6% year-over-year increase in revenue to €5.38 billion, primarily due to stable demand in its core business segments. The company's full-year 2024 earnings per share (EPS) of €0.36, although significantly lower than the previous year's €1.48, indicates a cautious approach to profitability. Furthermore, the board's decision to pay a dividend of €0.65 per share on May 27th demonstrates a commitment to shareholder value.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (5.88%)

6. Segments

Life and Health Insurance

Expected Growth: 6.5%

The 6.5% growth in Life and Health Insurance from Wüstenrot & Württembergische AG is driven by increasing demand for protection products, expansion into digital distribution channels, and a growing middle class in Germany. Additionally, the company's strong brand reputation, diversified product portfolio, and effective cost management contribute to its growth momentum.

Property/Casualty Insurance

Expected Growth: 6.0%

The 6.0% growth in Property/Casualty Insurance at Wüstenrot & Württembergische AG is driven by increasing demand for insurance products, expansion into new markets, and a strong brand reputation. Additionally, strategic partnerships, digitalization, and a focus on customer-centric services have contributed to the segment's growth.

All Other Segments

Expected Growth: 5.5%

The 5.5% growth in All Other Segments of Wüstenrot & Württembergische AG is driven by increasing demand for non-life insurance products, expansion into new markets, and strategic partnerships. Additionally, the segment benefits from a strong brand reputation, efficient cost management, and a diversified product portfolio, leading to sustained revenue growth.

Housing

Expected Growth: 5.0%

Wüstenrot & Württembergische AG's 5.0% growth in Housing is driven by increasing demand for affordable housing, favorable interest rates, and government incentives for first-time homebuyers. Additionally, the company's diversified product portfolio, strong brand recognition, and expanding online presence contribute to its growth momentum.

Consolidation/Reconciliation

Expected Growth: 4.5%

The 4.5% growth in Consolidation/Reconciliation from Wüstenrot & Württembergische AG is driven by increasing demand for insurance products, strategic acquisitions, and cost synergies. Additionally, the company's focus on digitalization and process optimization has improved operational efficiency, leading to higher profitability and growth.

7. Detailed Products

Life Insurance

Wüstenrot & Württembergische AG offers a range of life insurance products that provide financial protection to individuals and their loved ones in the event of death or disability.

Pension Insurance

The company offers pension insurance products that help individuals save for their retirement and ensure a steady income stream in their golden years.

Health Insurance

Wüstenrot & Württembergische AG provides health insurance products that cover medical expenses and provide access to quality healthcare.

Property Insurance

The company offers property insurance products that protect individuals and businesses from financial losses due to damage or loss of property.

Liability Insurance

Wüstenrot & Württembergische AG provides liability insurance products that protect individuals and businesses from financial losses due to third-party claims.

Investment Products

The company offers a range of investment products, including mutual funds, unit-linked insurance plans, and pension funds, that help individuals achieve their long-term financial goals.

Banking Services

Wüstenrot & Württembergische AG provides a range of banking services, including current and savings accounts, credit cards, and loans, to individuals and businesses.

8. Wüstenrot & Württembergische AG's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Wüstenrot & Württembergische AG is medium, as there are alternative financial services and insurance products available in the market, but the company's strong brand and customer loyalty mitigate this threat.

Bargaining Power Of Customers

The bargaining power of customers is low, as Wüstenrot & Württembergische AG has a large customer base and a strong brand, making it difficult for individual customers to negotiate prices or terms.

Bargaining Power Of Suppliers

The bargaining power of suppliers is medium, as Wüstenrot & Württembergische AG relies on a network of agents and brokers to distribute its products, but the company's size and scale give it some negotiating power.

Threat Of New Entrants

The threat of new entrants is low, as the German insurance market is highly regulated and requires significant capital and expertise to enter, making it difficult for new companies to enter the market.

Intensity Of Rivalry

The intensity of rivalry is high, as the German insurance market is highly competitive, with many established players competing for market share, and Wüstenrot & Württembergische AG must continually innovate and improve its products and services to remain competitive.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 53.88%
Debt Cost 3.95%
Equity Weight 46.12%
Equity Cost 7.75%
WACC 5.70%
Leverage 116.81%

11. Quality Control: Wüstenrot & Württembergische AG passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Anima Holding

A-Score: 7.7/10

Value: 7.7

Growth: 6.0

Quality: 7.8

Yield: 9.4

Momentum: 6.0

Volatility: 9.3

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SpareBank 1 Ostlandet

A-Score: 7.7/10

Value: 6.4

Growth: 7.9

Quality: 5.5

Yield: 8.8

Momentum: 8.5

Volatility: 9.0

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Valiant Holding

A-Score: 6.6/10

Value: 5.9

Growth: 3.8

Quality: 4.9

Yield: 6.2

Momentum: 9.0

Volatility: 10.0

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Wüstenrot & Württembergische

A-Score: 6.5/10

Value: 7.8

Growth: 2.0

Quality: 5.9

Yield: 6.9

Momentum: 7.0

Volatility: 9.7

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Chesnara

A-Score: 6.4/10

Value: 5.6

Growth: 3.9

Quality: 4.3

Yield: 10.0

Momentum: 6.0

Volatility: 8.7

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Deutsche Beteiligungs

A-Score: 5.8/10

Value: 5.1

Growth: 4.6

Quality: 6.6

Yield: 7.5

Momentum: 4.0

Volatility: 7.0

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

14.18$

Current Price

14.18$

Potential

-0.00%

Expected Cash-Flows