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

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...

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AskCyborg analysts argue the bull and bear cases for Wüstenrot & Württembergische AG across 11 stress-tested dimensions. Listen on your commute -- faster than reading the 30-page report.

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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: September 14, 2026
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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 analysts stress-tested

The top findings that survived the multi-agent debate for 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
  • +1 moreTrack every material event for Wüstenrot & Württembergische AG as it happens. Explore monitoring →
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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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Analyst debate, not single-author opinion

Every report is stress-tested by a panel of AI analysts arguing across 11 dimensions. The output is the part of the case that survived pushback.

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The Cyborg Score is recomputed weekly against fresh data. Recent material developments are continuously tracked and surfaced.

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Methodology open at /methodology

The framework, dimensions, and band breakdowns are documented. The same company gets the same score from any analyst running the framework.

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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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