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    Financial Services

  3. •

    Insurance - Life
Wüstenrot & Württembergische AG

Wüstenrot & Württembergische AG

WWUEY
Wüstenrot & Württembergische AGUS flagOther OTC
9.01
USD
- -
- -
3.38BMarket Cap
Wüstenrot & Württembergische AG
WWUEY
(Other OTC)

Recent

price

9.01

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
31.72
37.21
40.64
39.96
40.8
39.54
37.71
32.87
30.72
37.62
36.07
41.17
22.79
31.93
32.84
30.8
32.85
Revenue per Share
0.98
0.97
1.21
0.78
1.26
1.44
1.25
1.37
1.14
1.32
1.12
1.87
1.26
0.74
0.18
0.65
0.18
Basic EPS, GAAP
9.45
-0.65
4.12
8.95
8.37
-7.27
-8.85
0.96
-4.2
4.94
1.47
-4.87
-12.58
-0.95
1.41
5.01
- -
Free Cash Flow per Basic Share
0.32
0.25
0.25
0.25
0.1
0.25
0.3
0.3
0.33
0.33
0.33
0.32
0.33
0.33
0.33
0.33
- -
Dividend per Share
14.96
23.46
18
17.45
18.48
19.51
20.47
21.54
23.19
18.77
19.47
23.35
24.29
29.94
24.55
24.86
24.56
Book Value per Share
14.22
14.97
17.44
16.84
19.18
18.96
19.85
20.66
22.1
25.27
26.57
26.9
25.43
25.72
25.61
25.88
25.62
Tangible Book Value per Share
184
184
184
184
185
187
187
187
187
187
187
188
187
187
187
187
187
Basic Weighted Avg Shares
5,836
6,847
7,477
7,352
7,566
7,414
7,050
6,149
5,751
7,049
6,762
7,722
4,271
5,985
6,151
5,773
6,153
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
59
62
69
126
89
91
63
65
61
85
77
75
76
83
110
92
110
Depreciation Expense
180
179
222
143
233
270
233
257
214
248
210
351
235
139
33
121
34
Net Income, GAAP
16.25
0.4
19.4
16.11
14.5
15.25
19.3
11.77
32.86
29.45
31.32
26.74
25.09
30.2
- -
42.92
54.86
Effective Tax Rate (%)
3.08
2.61
2.97
1.95
3.08
3.65
3.3
4.17
3.72
3.52
3.1
4.54
5.51
2.32
0.54
2.1
0.55
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
1,448
9,665
5,205
3,441
2,879
2,597
2,313
2,533
3,197
3,683
4,033
4,720
5,278
5,755
5,086
8,244
5,086
LT Debt
2,832
2,969
3,418
3,253
3,674
3,644
3,812
3,965
4,236
4,835
5,085
5,161
4,894
4,954
4,922
4,961
4,922
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
1.42
7.17
5.96
6.97
8.63
8.52
9.35
10.07
7.37
7.78
5.6
7.03
2.46
1.29
- -
1.07
1.43
Return on Capital (%)
6.72
5.06
5.82
4.39
7.03
7.63
6.22
6.53
5.12
6.31
5.86
8.73
5.27
2.74
0.65
2.61
0.67
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'24
Sep'24
Dec'24
ST Debt
- -
- -
- -
LT Borrowings
5,664
4,919
5,042
LT Finance Leases
54
48
44
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
94
94
94
Market Capitalization
1,285
1,218
1,309

Working Capital

FRC

•

in mil. unless spec.
Jun'24
Sep'24
Dec'24
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
22,905
24,862
24,793
Accounts Receivable, Net
- -
- -
- -
Inventories
68
68
62
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.25%
-0.46%
0.79%
Free Cash Flow
-127.49%
-72.05%
254.72%
Net Income, GAAP
16.38%
36.72%
266.67%
Sales/Revenue/Turnover
0.06%
1.25%
-6.15%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
1,385
1,713
1,041
1,822
5,985
2024
1,680
1,448
1,441
1,584
6,151
2025
- -
- -
- -
- -
5,773

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.34
- -
- -
- -
0.74
2024
0.27
- -
- -
- -
0.18
2025
- -
- -
- -
- -
0.65

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.33
2024
- -
- -
- -
- -
0.33
2025
- -
- -
- -
- -
0.33
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Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München (MURGF)
Business
Wüstenrot & Württembergische AG is a German financial services provider offering integrated solutions in housing finance and insurance through its Housing and Insurance divisions. The company operates home loan savings contracts, advance and bridging financing loans, mortgage loans, and banking products via Wüstenrot Bausparkasse AG; property development and real estate brokerage services through Wüstenrot Haus- und Städtebau GmbH and Wüstenrot Immobilien GmbH; energy consulting via Wüstenrot Energieberatung GmbH; life, pension, health, long-term care, property/casualty, liability, personal accident, motor, household, residential building, legal expenses, transport, technical, credit, and suretyship insurance through Württembergische Versicherung AG, Württembergische Krankenversicherung AG, and Württembergische Lebensversicherung AG; and digital insurance products via Adam Riese GmbH. It serves private individuals, groups, and business customers primarily in Germany via omni-channel distribution including field services, partners, brokers, and online channels. Founded in 1999 through the merger of Wüstenrot, originating in 1921, and Württembergische, established in 1828, the company maintains headquarters at the W&W Campus in Kornwestheim, Germany. Recent developments include the 2024 acquisition and merger of start:bausparkasse AG into Wüstenrot Bausparkasse AG, enhancing its position as a leading cooperative building society; a 2023 relocation to the new Kornwestheim headquarters consolidating operations for approximately 6,000 employees; deepened vertical integration in 2023 via a 25% stake in motor vehicle claims adjuster riparo GmbH; the issuance of its first Green Covered Bond in 2023 to finance energy-efficient properties and renewable energy projects; and a group-wide sustainability strategy with annual reduction targets for financed emissions through 2027, expanded ESG criteria, and plans for a 2025 sustainability statement under European Sustainability Reporting Standards.