-0.32%
2.16%
3.54%
1.65%
-7.24%
-35.60%
-35.80%
AI Spotlight on WUW
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.
Market Data
| Last Price | 12.3 |
| Change Percentage | -0.32% |
| Open | 12.34 |
| Previous Close | 12.34 |
| Market Cap ( Millions) | 1152 |
| Volume | 45476 |
| Year High | 13.92 |
| Year Low | 11.38 |
| M A 50 | 11.91 |
| M A 200 | 12.43 |
Financial Ratios
| FCF Yield | 0.00% |
| Dividend Yield | 5.28% |
| ROE | 0.86% |
| Debt / Equity | 100.30% |
| Net Debt / EBIDTA | 1742.99% |
| Price To Book | 0.23 |
| Price Earnings Ratio | 27.17 |
| Price To FCF | 0 |
| Price To sales | 0.18 |
| EV / EBITDA | 22.64 |
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Life and Health Insurance
Expected Growth : 6.5 %
What the company do ?
Life and Health Insurance from Wüstenrot & Württembergische AG provides financial protection and security to individuals and families in case of death, illness, or disability.
Why we expect these perspectives ?
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.
Segment n°2 -> Property/Casualty Insurance
Expected Growth : 6.0 %
What the company do ?
Wüstenrot & Württembergische AG's Property/Casualty Insurance provides coverage for damages to property, liability, and accidents, offering financial protection to individuals and businesses.
Why we expect these perspectives ?
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.
Segment n°3 -> All Other Segments
Expected Growth : 5.5 %
What the company do ?
All Other Segments from Wüstenrot & Württembergische AG includes businesses not allocated to other segments, such as financial services, real estate, and investments.
Why we expect these perspectives ?
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.
Segment n°4 -> Housing
Expected Growth : 5.0 %
What the company do ?
Housing from Wüstenrot & Württembergische AG offers comprehensive building insurance and financing solutions for homeowners and builders in Germany.
Why we expect these perspectives ?
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.
Segment n°5 -> Consolidation/Reconciliation
Expected Growth : 4.5 %
What the company do ?
Consolidation/Reconciliation from Wüstenrot & Württembergische AG: Combining financial statements of subsidiaries into a single, unified financial report, ensuring accuracy and transparency.
Why we expect these perspectives ?
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.
Wüstenrot & Württembergische Ag Products
| Product Range | What is it ? |
|---|---|
| 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. |
Wüstenrot & Württembergische AG's Porter Forces
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.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 53.88% |
| Debt Cost | 3.95% |
| Equity Weight | 46.12% |
| Equity Cost | 7.75% |
| WACC | 5.70% |
| Leverage | 116.81% |
Wüstenrot & Württembergische AG : Quality Control
Wüstenrot & Württembergische AG passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CSN.L | Chesnara plc, together with its subsidiaries, engages in the life assurance and pension businesses primarily in the United Kingdom, the Netherlands, and Sweden. It operates through CA, Movestic, Waard Group, … |
| VATN.SW | Valiant Holding AG, together with its subsidiaries, provides financial services to private retail clients, affluent private clients, self-employed individuals, and small and medium-sized companies. The company offers savings; real estate … |
| DBAN.DE | Deutsche Beteiligungs AG is a private equity firm specializing in direct and fund of fund investments. Within direct investments the firm specializes in expansion capital, management buyout, middle market, growth … |
| SPOL.OL | SpareBank 1 Østlandet provides various financial products and services to individuals, businesses, the public sector, clubs, and societies. The company offers deposits, financing, savings, advisory, life and non-life insurance, and … |
| ANIM.MI | Anima Holding SpA is a publicly owned investment manager. The firm invests in the public equity markets of Italy. The firm offers various investment schemes and foreign SICAVs, and institutional … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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