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Wüstenrot & Württembergische AG (WUW) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Wüstenrot & Württembergische AG

WUWMarket cap $1.39BPrice $14.8

Country🇩🇪Germany

SectorFinancials

IndustryInsurance

Sells insurance and building-savings products across Germany, blending home financing with life, property, and casualty coverage. One of the country's oldest Bausparkasse operators, it's helped generations of Germans afford their first homes since 1921.

In Bastion Portfolios?

52W Return-6%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+11%7

Revenue Forecast

Rev CAGR (1y)+14%7

Rev CAGR (3y)+13%8

Rev CAGR (5y)+9%7

Earnings Forecast

EPS Growth Y+1+13%7

EPS Growth Y+2+31%9

EPS Growth Y+3+14%7

Quality

Margins

EBIT Margin18%7

Net Income Margin2%3

Free Cash Flow Margin9%5

Debt

Net Debt/EBITDA7.31

Efficiency

ROE3%2

ROA0%2

Earnings Stability44

GEAR+STRONG81

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)810

P/E Ratio (Forward 3y)610

P/BV0.310

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%9

Dividend Yield4.9%9

Momentum

Short term

1 month return-9%3

3 month return-11%3

YTD return-5%4

Mid term

Price vs 52wHigh82%6

1 year return-2%4

Long term

3 year return+4%3

5 year return-10%3

Risk Shield

Price Risk

Beta0.67

Volatility20%10

Free Cash Flow

Free Cash Flow Margin9%5

Free Cash Flow Yield0.0%9

Quality

ROCE2%2

Earnings Stability44

Net Debt/EBITDA7.31

02Growth

Is it actually growing, and how fast?

WUWWüstenrot & Württembergische

Revenue FY25$6.8B

GROWTH RATING↗

STRONG74 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+11%7

Revenue, next 1Y+14%7

Revenue, next 3Y, CAGR+13%8

Revenue, next 5Y, CAGR+9%7

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+13%7

EPS growth, FY27E+31%9

EPS growth, FY28E+14%7

GROWTH ASSESSMENT

STRENGTHS

It out-grows 74% of companies worldwide.

Revenue grew 11%/yr over the last 3 years, ahead of 60% of companies worldwide.7/10

Revenue is set to grow 13%/yr over the next 3 years, ahead of most of the market.7/10

Revenue grew 11%/yr over the last 3 years and is set to keep growing around 13%/yr.

The runway holds up: revenue is set to grow 9%/yr over five years.7/10

Earnings are set to grow in step with sales (EPS about 14%/yr vs revenue 13%/yr).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A top-tier grower.

03Price Momentum

Is the market behind it right now?

WUWWüstenrot & Württembergische

Total return Current8.4%

Price return Current−24.4%

MOMENTUM RATING↗

WEAK21 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-9%3

3-month return-11%3

YTD return-5%4

MID & LONG-TERM▾SCORE

% of 52-week high82%6

1-year return-2%4

3-year return+4%3

5-year return-10%3

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

It's down 2% over the past year, now 18% below its 52-week high. That is right in line with the market.

Returns sit at the market level so far this year (-5%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (+4.5% over three years and -9.7% over five), behind 70% of the market.

The stock is underperforming over the past month (-9%) and over three months (-11%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Wüstenrot & Württembergische AG. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

WUWWüstenrot & Württembergische

Revenue FY25$6.8B

GROWTH RATING↗

STRONG74 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+11%7

Revenue, next 1Y+14%7

Revenue, next 3Y, CAGR+13%8

Revenue, next 5Y, CAGR+9%7

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+13%7

EPS growth, FY27E+31%9

EPS growth, FY28E+14%7

GROWTH ASSESSMENT

STRENGTHS

It out-grows 74% of companies worldwide.

Revenue grew 11%/yr over the last 3 years, ahead of 60% of companies worldwide.7/10

Revenue is set to grow 13%/yr over the next 3 years, ahead of most of the market.7/10

Revenue grew 11%/yr over the last 3 years and is set to keep growing around 13%/yr.

The runway holds up: revenue is set to grow 9%/yr over five years.7/10

Earnings are set to grow in step with sales (EPS about 14%/yr vs revenue 13%/yr).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A top-tier grower.

03Price Momentum

Is the market behind it right now?

WUWWüstenrot & Württembergische

Total return Current8.4%

Price return Current−24.4%

MOMENTUM RATING↗

WEAK21 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-9%3

3-month return-11%3

YTD return-5%4

MID & LONG-TERM▾SCORE

% of 52-week high82%6

1-year return-2%4

3-year return+4%3

5-year return-10%3

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

It's down 2% over the past year, now 18% below its 52-week high. That is right in line with the market.

Returns sit at the market level so far this year (-5%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (+4.5% over three years and -9.7% over five), behind 70% of the market.

The stock is underperforming over the past month (-9%) and over three months (-11%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on Wüstenrot & Württembergische AG. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community