Wuestenrot & Wuerttembergische AG
Wuestenrot & Wuerttembergische AG provides life and health insurance products, generating revenue primarily through premium income and investment returns on its insurance liabilities.
Business. Wuestenrot & Wuerttembergische AG (WUWGN.DE) is a life and health insurance company headquartered in Germany. The firm operates within the Financials sector, generating revenue primarily through insurance premiums. It is listed on the Xetra exchange. Specific operating segments and geographic breakdowns are not disclosed in the available data.
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3 analysts · consensus BuyAt a glance
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Wuestenrot & Wuerttembergische AG (WUWGN.DE) is a life and health insurance company headquartered in Germany. The firm operates within the Financials sector, generating revenue primarily through insurance premiums. It is listed on the Xetra exchange. Specific operating segments and geographic breakdowns are not disclosed in the available data.
The company's capital structure is characterized by a debt-to-equity ratio of 1.67, indicating a moderate reliance on debt financing. Despite a negative operating income of €148 million, the firm reported a net income of €121 million, supported by a free cash flow of €92 million. However, the liquidity risk is rated as medium, and the firm has a negative net cash position after subtracting total debt.
Profitability metrics show a return on equity (ROE) of 2.45% and a return on assets (ROA) of 0.17%, both below the typical thresholds for the insurance industry. These figures suggest that the company is underperforming relative to its peers in terms of capital efficiency and asset utilization.
The firm's revenue is concentrated in its core life and health insurance segments, with no disclosed geographic diversification. This concentration increases exposure to regional economic downturns and regulatory shifts in the insurance sector.
Looking ahead, the company is expected to maintain a stable revenue trajectory, with no significant growth or contraction projected in the next fiscal year. The capital expenditure of €43 million indicates a modest investment in infrastructure and operations.
The risk assessment highlights a medium liquidity risk and a low dilution risk. The firm has not issued additional shares recently, and there is no indication of near-term dilution pressure. However, the negative net cash position and reliance on long-term debt may pose challenges in maintaining financial flexibility.
Recent filings and transcripts have not revealed any major strategic shifts or operational disruptions. The company continues to operate within its traditional insurance business model, with no significant new product launches or market expansions disclosed.
- The company's debt-to-equity ratio of 1.67 suggests a moderate reliance on debt financing.
- A return on equity of 2.45% and a return on assets of 0.17% indicate underperformance relative to industry norms.
- Revenue is concentrated in life and health insurance segments, with no geographic diversification disclosed.
- The firm is expected to maintain a stable revenue trajectory with no significant growth or contraction.
- Liquidity risk is rated as medium, and the firm has a negative net cash position after subtracting total debt.
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Risk factors
- Net cash is negative after subtracting total debt.
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Return On Assetsnet_income / total_assets
- Wuestenrot & Wuerttembergische AG Market data — financials · 2026-05-30
- Wuestenrot & Wuerttembergische AG Market data — analyst estimates · 2026-05-30
- Wuestenrot & Wuerttembergische AG Market data — ESG · 2026-05-30