Wüstenrot & Württembergische AG

WUW.SW

Insurance - Life · Financial Services

Exchange

SIX Swiss Exchange

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Dec 31, 2024

How the score breaks down

Quality

Mixed

Growth

Weak

Cash Flow

Weak

Stability

Good

Valuation

Strong

Dividends

Good

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Winston Score History

The full picture

Wüstenrot & Württembergische AG (W&W) is a German financial services group that sells insurance and home savings products to everyday consumers. Its two main business lines are Wüstenrot, which helps people save money to eventually buy a home, and Württembergische, which sells life, health, property, and casualty insurance. The company focuses almost entirely on the German retail market.

W&W earns money through insurance premiums, fees on home savings contracts, and investment income from the large pool of customer funds it manages. It operates mainly in Germany and is a mid-sized player in a crowded market dominated by larger rivals like Allianz and Munich Re. The company's long-standing brand recognition and its tied distribution network of agents provide some customer loyalty, but low interest rates and intense competition in German insurance keep returns modest — the low ROIC of roughly 3% reflects this pressure. The key risk going forward is whether W&W can modernize its digital distribution fast enough to hold onto younger customers.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-0.1% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-22.0% YoY

YoY Growth Rate

Earnings declining

Insider Activity

76.9%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

CHF 68.0B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Wüstenrot & Württembergische AG's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

0.0%

Thin — 0.0% gross margin

Profit after running costs

Operating Margin

10.5%

Modest — 10.5% operating margin

Return on the money invested

ROCE

14.8%

Good — 14.8% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+2.1%

Nearly flat sales (+2.1% YoY)

Profit growth

EPS YoY

-75.7%

Earnings shrinking (-75.7% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

3/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Profit that turns into cash

Cash Conversion

Weak — only 1% of profit becomes cash

Spare cash per sale

FCF Margin

0.0%

Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns

Debt / Equity

1.03

Elevated debt (1.03)

Covers its interest

Interest Cover

10.24x

Comfortably covers interest (10.2x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

10.8x

no trend

Attractive valuation — P/E 10.8

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+5.2

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (10.8 → 5.6)

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Dividends

Dividend

Dividend Yield

4.48%

no trend

Healthy income — 4.48% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record

Dividend Growth

-4.9%

no trend

Dividend cut (-4.9% YoY) — warning sign

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