profit from every €100 of sales.
€0€100
Wüstenrot & Württembergische
€13.44+0.75% today
-7.2% since Dec 21, 25
1-year low €13.021-year high €16.56
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay €10.39 for every €1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Wüstenrot & Württembergische sold, what it kept, and what it did with the cash.
Sales went from €4.27 billion in 2022 to €5.77 billion in 2025, with €121 million of profit last year.
SalesProfit
Wüstenrot & Württembergische handed back 6% of the cash it generated last year.
€61M
Free cash flow 2025€940M
Bought back its own shares–
Paid as dividends€61M
Cash vs. debt€1.1B vs. €8.2B
Wüstenrot & Württembergische vs. similar companies
Wüstenrot & Württembergische grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from €100 of sales | Sales growth a year | Price per €1 of profit |
|---|---|---|---|
| Wüstenrot & Württembergische | 10.4× · Cheap | ||
 China Life Insurance | 6.4× · Cheap | ||
 Ping An Insurance (Group) Company of China | 7.2× · Cheap | ||
 AIA Group | 16.4× · Fair price | ||
 Manulife Financial | 18.0× · Fair price |
AI analysis
An AI analyst reads Wüstenrot & Württembergische's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 4,271 | 5,985 | 6,151 | 5,773 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 235 | 139 | 33 | 121 | |
| 2.51 | 1.48 | 0.35 | 1.29 | |
| – | – | – | – | |
| – | – | – | – | |
| 5.5% | 2.3% | 0.5% | 2.1% |
Balance sheet
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 66,589 | 68,562 | 72,276 | 72,544 |
| Cash | 1,200 | 1,046 | 997 | 1,113 |
| Total debt | 5,278 | 5,755 | 5,086 | 8,244 |
| Total liabilities | 61,695 | 63,608 | 67,354 | 67,583 |
| 4,863 | 4,920 | 4,889 | 4,929 | |
| 94 | 94 | 94 | 94 | |
| – | – | – | – | |
| 4.8% | 2.8% | 0.7% | 2.5% |
Cash flow
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -2,234 | -108 | 333 | 983 | |
| 123 | 70 | 68 | 43 | |
| -2,357 | -178 | 265 | 940 | |
| Dividends paid | 61 | 61 | 61 | 61 |
| – | 0 | 1 | – | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 10.4×
- –
- –
- 0.3×
- 0.2×
- 9.6%
- 4.9%
Profitability
- 2.1%
- –
- –
- –
- –
Growth
- +10.6%
- −19.9%
- –
- +0.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 32%of 905
Top 49%of 928
Top 2%of 918
4.9%of the share price, paid each year
On $1,000 invested$49a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
50.4% of its profit
Room to growStretchedMore than it earns: 6.5%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about Wüstenrot & Württembergische
Is Wüstenrot & Württembergische a good stock to buy?
A business with weak numbers, and the price looks low. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Wüstenrot & Württembergische AI analysis
What does Wüstenrot & Württembergische do?
Wüstenrot & Württembergische AG, together with its subsidiaries, provides insurance products and services in Germany. It operates through Residential, Life and Health Insurance, Property/Casualty Insurance, and All Other segments. It is in Insurance - Life, based in Kornwestheim, Germany, with 5,513 employees.
Does Wüstenrot & Württembergische pay a dividend?
Yes. At today's price the dividend is 4.9% a year, about 50% of its yearly profit. In 2025 it paid out €61.0 million in dividends.
Is Wüstenrot & Württembergische stock halal?
No. Wüstenrot & Württembergische does not pass our halal screen: its main business, conventional insurance, is not permitted. How we check
Who are Wüstenrot & Württembergische's competitors?
The largest listed companies in the same industry are China Life Insurance, Ping An Insurance (Group) Company of China, AIA Group and Manulife Financial. The peers table on this page compares their profit, growth and price with Wüstenrot & Württembergische's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.