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Wüstenrot & Württembergische AG: Business Overview, Financials & Competitive Analysis

Wüstenrot & Württembergische AG scores 7/10 on the AskCyborg Cyborg Score (Strong). Undervalued integrated financial services provider with proven operational turnaround, attractive dividend yield, and defensive market positioning poised for steady German market returns. W&W demonstrates strong recovery momentum with H1 2025 earnings turnaround from loss to €91M profit. Modest valuation with low P/E of 11.11 and stable 3.94% dividend.

What is Wüstenrot & Württembergische AG's industry? Wüstenrot & Württembergische AG (ww-ag.com) operates in Insurance & Financial Services. AskCyborg classifies Wüstenrot & Württembergische AG under Insurance & Financial Services in its company registry.

Wüstenrot & Württembergische is a Germany-based company that develops and provides the four building blocks of modern pension provision: insurance, home ownership, risk protection and wealth creation, combining busine...

7/ 10Strong

Cyborg Score thesis

Undervalued integrated financial services provider with proven operational turnaround, attractive dividend yield, and defensive...

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Industry Insurance & Financial Services
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: November 2, 2026
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What's in This Report
Wüstenrot & Württembergische AG OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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Wüstenrot & Württembergische AG Overview

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Wüstenrot & Württembergische is a Germany-based company that develops and provides the four building blocks of modern pension provision: insurance, home ownership, risk protection and wealth creation, combining business areas of living and insurance to offer comprehensive pension solutions. The company operates exclusively in Germany.

Strategic Profile

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The company's strategic positioning is enhanced by its integration of banking and insurance services, allowing for cross-selling opportunities and diversified revenue streams. Year-on-year IFRS consolidated earnings rose to €91 million in H1 2025, compared to a loss of €14 million in the same period of the prior year, highlighting a strong operational turnaround.

Competitive Landscape

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W&W operates in the German insurance and housing finance market as an integrated provider combining life/health insurance, property/casualty insurance, home savings contracts, and real estate services. The company competes primarily with other German insurers and banking institutions in its focused domestic market, leveraging integrated service offerings.

Industry Context

Wüstenrot & Württembergische AG operates in Insurance & Financial Services.

Key facts

Founded: 1828 · Headquarters: Kornwestheim, Germany · Employees: 7,588 · Revenue: €6.2B · Market cap: €1.5B

What the AI analysts debated

AI-generated and not independently verified: selected findings from the multi-agent debate on Wüstenrot & Württembergische AG.

  • Strong H1 2025 operational turnaround with €91 million earnings versus prior year loss of €14 million
  • Attractive valuation with P/E ratio of 11.11 and dividend yield of 3.94% as of March 2026
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Recent developments

Material events tracked by the AskCyborg corpus.

  • Mar 2026Stock trading at €15.96 on XETRA with improved market sentiment
  • Feb 2026Share buyback program ongoing signaling management confidence
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Life & Health InsuranceDiversified German insurance and financial services conglomerate→Property/Casualty InsuranceLeading German reinsurance and insurance group→Building Savings & MortgagesGerman savings bank network with mortgage and savings offerings→

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Industry context

Wüstenrot & Württembergische AG operates in Insurance & Financial Services. See how the rest of the sector scores on the Cyborg framework.

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How AskCyborg research is made

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AI analyst debate, not single-author opinion

Every report is generated by a panel of AI analysts arguing across 11 dimensions, so counter-arguments sit alongside the case. The debate is a reasoning process; it does not independently verify facts.

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The Cyborg Score and recent developments reflect public sources as of the date shown and can miss or lag recent events. Check primary sources before relying on them.

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Methodology open at /methodology

The framework, dimensions, and band breakdowns are documented. The Cyborg Score is an AI-generated opinion under that framework, not a credit rating or an investment recommendation.

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Sources: public filings, regulatory data, and news flow, analysed by AI models. Read the methodology →

AI-generated research summary based on public sources; it may contain errors or omissions. Not investment advice. Not reviewed or endorsed by the companies covered. Report an error: legal@askcyborg.com (you must copy support@askcyborg.com) · Terms of Service

Frequently asked questions

What does Wüstenrot & Württembergische AG do?+
Wüstenrot & Württembergische is a Germany-based company that develops and provides the four building blocks of modern pension provision: insurance, home ownership, risk protection and wealth creation, combining busine...
What is Wüstenrot & Württembergische AG's Cyborg Score?+
Wüstenrot & Württembergische AG has a Cyborg Score of 7/10 (Strong). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Wüstenrot & Württembergische AG's main competitors?+
Named competitors include Life & Health Insurance, Property/Casualty Insurance, Building Savings & Mortgages. The full competitive landscape is in the AskCyborg report.
How can I get the full Wüstenrot & Württembergische AG research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Wüstenrot & Württembergische AG research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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