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WUESTENROT & WUERTTEMBERG (WUW.DE) Stock Fundamental Analysis

FRA:WUW - Deutsche Boerse Ag - DE0008051004 - Common Stock - Currency: EUR

12.1  -0.08 (-0.66%)

Fundamental Rating

2

Taking everything into account, WUW scores 2 out of 10 in our fundamental rating. WUW was compared to 32 industry peers in the Insurance industry. Both the profitability and financial health of WUW have multiple concerns. WUW is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

WUW had positive earnings in the past year.
WUW had a negative operating cash flow in the past year.
WUW had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: WUW reported negative operating cash flow in multiple years.
WUW.DE Yearly Net Income VS EBIT VS OCF VS FCFWUW.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 1B -1B -2B

1.2 Ratios

The Return On Assets of WUW (-0.08%) is worse than 93.33% of its industry peers.
WUW's Return On Equity of -1.15% is on the low side compared to the rest of the industry. WUW is outperformed by 93.33% of its industry peers.
Industry RankSector Rank
ROA -0.08%
ROE -1.15%
ROIC N/A
ROA(3y)0.34%
ROA(5y)0.32%
ROE(3y)4.96%
ROE(5y)4.84%
ROIC(3y)N/A
ROIC(5y)N/A
WUW.DE Yearly ROA, ROE, ROICWUW.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2 4 6

1.3 Margins

In the last couple of years the Profit Margin of WUW has grown nicely.
WUW does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y10.54%
PM growth 5Y2.45%
GM growth 3YN/A
GM growth 5YN/A
WUW.DE Yearly Profit, Operating, Gross MarginsWUW.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 -20 -40

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0

2. Health

2.1 Basic Checks

WUW does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, WUW has about the same amount of shares outstanding.
The number of shares outstanding for WUW remains at a similar level compared to 5 years ago.
WUW has a worse debt/assets ratio than last year.
WUW.DE Yearly Shares OutstandingWUW.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M
WUW.DE Yearly Total Debt VS Total AssetsWUW.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 20B 40B 60B

2.2 Solvency

WUW has a Debt/Equity ratio of 1.19. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.19, WUW is not doing good in the industry: 80.00% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.19
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC2.61%
WUW.DE Yearly LT Debt VS Equity VS FCFWUW.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2B -2B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WUW.DE Yearly Current Assets VS Current LiabilitesWUW.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M 250M

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5

3. Growth

3.1 Past

WUW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -80.15%.
WUW shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.35% yearly.
Looking at the last year, WUW shows a very strong growth in Revenue. The Revenue has grown by 32.41%.
The Revenue for WUW have been decreasing by -10.52% on average. This is quite bad
EPS 1Y (TTM)-80.15%
EPS 3Y-12.91%
EPS 5Y-8.35%
EPS Q2Q%118.67%
Revenue 1Y (TTM)32.41%
Revenue growth 3Y-21.21%
Revenue growth 5Y-10.52%
Sales Q2Q%18.35%

3.2 Future

The Earnings Per Share is expected to grow by 13.38% on average over the next years. This is quite good.
WUW is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.51% yearly.
EPS Next Y-69.37%
EPS Next 2Y3.98%
EPS Next 3Y13.38%
EPS Next 5YN/A
Revenue Next Year16.27%
Revenue Next 2Y11.88%
Revenue Next 3Y9.51%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
WUW.DE Yearly Revenue VS EstimatesWUW.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2B 4B 6B
WUW.DE Yearly EPS VS EstimatesWUW.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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3

4. Valuation

4.1 Price/Earnings Ratio

WUW is valuated quite expensively with a Price/Earnings ratio of 28.81.
Based on the Price/Earnings ratio, WUW is valued more expensive than 86.67% of the companies in the same industry.
WUW is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 28.47, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 6.74, which indicates a rather cheap valuation of WUW.
WUW's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. WUW is cheaper than 80.00% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of WUW to the average of the S&P500 Index (92.74), we can say WUW is valued rather cheaply.
Industry RankSector Rank
PE 28.81
Fwd PE 6.74
WUW.DE Price Earnings VS Forward Price EarningsWUW.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
WUW.DE Per share dataWUW.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40 50

4.3 Compensation for Growth

WUW's earnings are expected to grow with 13.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.98%
EPS Next 3Y13.38%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.27%, WUW is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.01, WUW has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.28, WUW pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.27%

5.2 History

The dividend of WUW decreases each year by -0.01%.
Dividend Growth(5Y)-0.01%
Div Incr Years0
Div Non Decr Years3
WUW.DE Yearly Dividends per shareWUW.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6 0.8 1

5.3 Sustainability

WUW has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-109.98%
EPS Next 2Y3.98%
EPS Next 3Y13.38%
WUW.DE Yearly Income VS Free CF VS DividendWUW.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 -1B -2B

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WUESTENROT & WUERTTEMBERG

FRA:WUW (2/5/2025, 5:24:28 PM)

12.1

-0.08 (-0.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-15 2024-11-15
Earnings (Next)N/A N/A
Inst Owners7%
Inst Owner ChangeN/A
Ins Owners10.62%
Ins Owner ChangeN/A
Market Cap1.13B
Analysts82.86
Price Target17.68 (46.12%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.27%
Yearly Dividend0.65
Dividend Growth(5Y)-0.01%
DP-109.98%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-3.7%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-42.15%
EPS NY rev (3m)-42.15%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 28.81
Fwd PE 6.74
P/S 0.34
P/FCF N/A
P/OCF N/A
P/B 0.24
P/tB 0.24
EV/EBITDA N/A
EPS(TTM)0.42
EY3.47%
EPS(NY)1.79
Fwd EY14.83%
FCF(TTM)-3.45
FCFYN/A
OCF(TTM)-2.66
OCFYN/A
SpS35.97
BVpS51.33
TBVpS49.8
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.08%
ROE -1.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)0.34%
ROA(5y)0.32%
ROE(3y)4.96%
ROE(5y)4.84%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y10.54%
PM growth 5Y2.45%
GM growth 3YN/A
GM growth 5YN/A
F-Score1
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 1.19
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 89.99%
Cap/Sales 2.21%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score1
WACC2.61%
ROIC/WACCN/A
Cap/Depr(3y)134.4%
Cap/Depr(5y)153.65%
Cap/Sales(3y)2.61%
Cap/Sales(5y)2.47%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-80.15%
EPS 3Y-12.91%
EPS 5Y-8.35%
EPS Q2Q%118.67%
EPS Next Y-69.37%
EPS Next 2Y3.98%
EPS Next 3Y13.38%
EPS Next 5YN/A
Revenue 1Y (TTM)32.41%
Revenue growth 3Y-21.21%
Revenue growth 5Y-10.52%
Sales Q2Q%18.35%
Revenue Next Year16.27%
Revenue Next 2Y11.88%
Revenue Next 3Y9.51%
Revenue Next 5YN/A
EBIT growth 1Y-713.09%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y86.71%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y89.31%
OCF growth 3YN/A
OCF growth 5YN/A