Financial overview Key figures W&W Group
Here you can view our most relevant financial indicators. Further information and explanations can be found in our
fact sheet
and our financial reports.
Use the following direct links to jump straight to the key sales figures, our consolidated balance sheet or the consolidated income statement.
W&W Group Key Figures as at 31/12/2025 Key points at a glance
-
€121 million
Consolidated net income (IFRS) -
€1.29
Earnings per share -
Profit forecast
For the 2026 financial year, we expect consolidated net income after taxes (IFRS) of between €120 million and €150 million. -
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-
€0.65
Dividend per share – approved at the 2026 Annual General Meeting -
4.47%
Dividend yield
Key figures for the business segments Key sales figures
Key figures in € million |
1/1/2025 to 31/12/2025 |
|---|---|
| Key figures in € millionHousing segment | |
| Key figures in € millionNew business volume (new lending and home loan savings business) |
1/1/2025 to 31/12/202516,488 |
| Key figures in € millionLife and Health insurance segment | |
| Key figures in € millionTotal premiums in new life insurance business | 1/1/2025 to 31/12/20253,687 |
| Key figures in € millionGross premiums written health insurance (according to the German Commercial Corde) | 1/1/2025 to 31/12/2025346 |
| Key figures in € millionGross premiums written life insurance (according to the German Commercial Corde) | 1/1/2025 to 31/12/20251,782 |
| Key figures in € million of which regular premiums | 1/1/2025 to 31/12/20251,350 |
| Key figures in € million of which single premiums | 1/1/2025 to 31/12/2025432 |
| Key figures in € millionProperty/Casualty insurance segment | |
| Key figures in € millionAnnual contribution to the portfolio (new and replacement business) | 1/1/2025 to 31/12/2025472 |
| Key figures in € millionGross premiums written (according to the German Commercial Corde) | 1/1/2025 to 31/12/20252,921 |
Consolidated financial statements of W&W AG Consolidated balance sheet (IFRS)
Assets in € million |
31/12/2025 |
|---|---|
| Assets in € millionCash and cash equivalents | 31/12/20251,113 |
| Assets in € millionNon-current assets held for sale and discontinued operations | 31/12/2025– |
| Assets in € millionFinancial assets at fair value through profit or loss | 31/12/202511,983 |
| Assets in € millionFinancial assets at fair value through other comprehensive income | 31/12/202523,352 |
| Assets in € million of which retired or loaned | 31/12/20251,123 |
| Assets in € millionFinancial assets measured at amortised cost | 31/12/202531,991 |
| Assets in € millionSubordinated securities and receivables | 31/12/2025250 |
| Assets in € millionSenior debenture bonds and registered bonds | 31/12/202571 |
| Assets in € millionBuilding loans | 31/12/202530,116 |
| Assets in € millionOther receivables | 31/12/20251,330 |
| Assets in € millionAsset-side portfolio hedge adjustment | 31/12/2025224 |
| Assets in € millionPositive market values from hedges | 31/12/2025 – |
| Assets in € millionTechnical assets | 31/12/2025248 |
| Assets in € millionInsurance contracts issued that are assets | 31/12/202548 |
| Assets in € millionReinsurance contracts held that are assets | 31/12/2025200 |
| Assets in € millionFinancial assets accounted for using the equity method | 31/12/202566 |
| Assets in € millionInvestment property | 31/12/20252,251 |
| Assets in € millionOther assets | 31/12/20251,540 |
| Assets in € millionIntangible assets | 31/12/2025110 |
| Assets in € millionTangible assets | 31/12/2025507 |
| Assets in € millionInventories | 31/12/202553 |
| Assets in € millionCurrent tax assets | 31/12/202546 |
| Assets in € millionDeferred tax assets | 31/12/2025789 |
| Assets in € millionOther assets | 31/12/202535 |
| Assets in € millionTotal assets | 31/12/202572,544 |
Equity and liabilities in € million |
31/12/2025 |
|---|---|
| Equity and liabilities in € millionFinancial liabilities at fair value through profit or loss | 31/12/202551 |
| Equity and liabilities in € millionLiabilities | 31/12/202533,341 |
| Equity and liabilities in € millionLiabilities evidenced by certificates | 31/12/20254,810 |
| Equity and liabilities in € millionLiabilities to credit institutions | 31/12/20252,700 |
| Equity and liabilities in € millionLiabilities to customers | 31/12/202525,855 |
| Equity and liabilities in € millionLease liabilities | 31/12/202534 |
| Equity and liabilities in € millionMiscellaneous liabilities | 31/12/2025451 |
| Equity and liabilities in € millionLiability-side portfolio hedge adjustment | 31/12/2025–509 |
| Equity and liabilities in € millionNegative market values from hedges | 31/12/2025 – |
| Equity and liabilities in € millionTechnical liabilities | 31/12/202531,456 |
| Equity and liabilities in € millionInsurance contracts issued that are liabilities | 31/12/202531,454 |
| Equity and liabilities in € millionReinsurance contracts held that are liabilities | 31/12/20252 |
| Equity and liabilities in € millionOther provisions | 31/12/20251,586 |
| Equity and liabilities in € millionOther equity and liabilities | 31/12/2025449 |
| Equity and liabilities in € millionCurrent tax liabilities | 31/12/2025102 |
| Equity and liabilities in € millionDeferred tax liabilities | 31/12/2025333 |
| Equity and liabilities in € millionSundry liabilities | 31/12/202514 |
| Equity and liabilities in € millionSubordinated capital | 31/12/2025700 |
| Equity and liabilities in € millionEquity | 31/12/20254,961 |
| Equity and liabilities in € millionShare in paid-in capital attributable to shareholders of W&W AG | 31/12/20251,486 |
| Equity and liabilities in € millionShare in retained earnings attributable to shareholders of W&W AG | 31/12/20253,443 |
| Equity and liabilities in € million Retained earnings | 31/12/20254,170 |
| Equity and liabilities in € million Other reserves (OCI) | 31/12/2025–727 |
| Equity and liabilities in € millionNon-controlling interests in equity | 31/12/202532 |
| Equity and liabilities in € millionTotal equity and liabilities | 31/12/202572,544 |
Consolidated income statement of W&W AG Consolidated income statement (IFRS)
Key figures in € million |
1/1/2025 to 31/12/2025 |
|---|---|
| Key figures in € millionCurrent financial result | 1/1/2025 to 31/12/20251,327 |
| Key figures in € millionInterest result | 1/1/2025 to 31/12/2025840 |
| Key figures in € million Interest income | 1/1/2025 to 31/12/20251,547 |
| Key figures in € million of which calculated using the effective interest method | 1/1/2025 to 31/12/20251,410 |
| Key figures in € million Interest expenses | 1/1/2025 to 31/12/2025-707 |
| Key figures in € millionDividend income | 1/1/2025 to 31/12/2025360 |
| Key figures in € millionOther current result | 1/1/2025 to 31/12/2025127 |
| Key figures in € millionResult from credit risk adjustments | 1/1/2025 to 31/12/2025-60 |
| Key figures in € millionIncome from credit risk adjustments | 1/1/2025 to 31/12/202567 |
| Key figures in € millionExpenses for credit risk adjustments | 1/1/2025 to 31/12/2025-127 |
| Key figures in € millionValuation result | 1/1/2025 to 31/12/202596 |
| Key figures in € millionValuation gains | 1/1/2025 to 31/12/20253,760 |
| Key figures in € millionValuation losses | 1/1/2025 to 31/12/2025-3,664 |
| Key figures in € millionResult from disposals | 1/1/2025 to 31/12/2025-66 |
| Key figures in € millionIncome from disposals | 1/1/2025 to 31/12/202551 |
| Key figures in € millionExpenses for disposals | 1/1/2025 to 31/12/2025-117 |
| Key figures in € millionNet technical financial result | 1/1/2025 to 31/12/2025-1,039 |
| Key figures in € millionTechnical financial income or expenses from insurance contracts issued (gross) | 1/1/2025 to 31/12/2025-1,042 |
| Key figures in € millionTechnical financial income or expenses from reinsurance contracts held | 1/1/2025 to 31/12/20253 |
| Key figures in € millionTotal financial result | 1/1/2025 to 31/12/2025258 |
| Key figures in € million of which result from financial assets accounted for using the equity method | 1/1/2025 to 31/12/20256 |
| Key figures in € millionTechnical result (net) | 1/1/2025 to 31/12/2025432 |
| Key figures in € millionTechnical result (gross) | 1/1/2025 to 31/12/2025542 |
| Key figures in € million Technical income | 1/1/2025 to 31/12/20254,269 |
| Key figures in € million Technical expenses | 1/1/2025 to 31/12/2025-3,727 |
| Key figures in € millionResult from reinsurance contracts held | 1/1/2025 to 31/12/2025-110 |
| Key figures in € millionCommission result | 1/1/2025 to 31/12/2025-25 |
| Key figures in € millionCommission income | 1/1/2025 to 31/12/2025195 |
| Key figures in € millionCommission expenses | 1/1/2025 to 31/12/2025-220 |
| Key figures in € millionGeneral administrative expenses (net) | 1/1/2025 to 31/12/2025-505 |
| Key figures in € millionGeneral administrative expenses (gross) | 1/1/2025 to 31/12/2025-1,171 |
| Key figures in € million Personnel expenses | 1/1/2025 to 31/12/2025-677 |
| Key figures in € million Materials expenses | 1/1/2025 to 31/12/2025-402 |
| Key figures in € million Impairments | 1/1/2025 to 31/12/2025-92 |
| Key figures in € millionGeneral administrative expenses attributable to the technical result | 1/1/2025 to 31/12/2025666 |
| Key figures in € millionOther operating result | 1/1/2025 to 31/12/202552 |
| Key figures in € millionOther operating income | 1/1/2025 to 31/12/202588 |
| Key figures in € millionOther operating expenses | 1/1/2025 to 31/12/2025-36 |
| Key figures in € millionConsolidated net income from continuing operations before income taxes | 1/1/2025 to 31/12/2025212 |
| Key figures in € million of which revenue | 1/1/2025 to 31/12/20256,522 |
| Key figures in € millionIncome taxes | 1/1/2025 to 31/12/2025-91 |
| Key figures in € millionConsolidated net income | 1/1/2025 to 31/12/2025121 |
| Key figures in € millionAttributable to W&W shareholders | 1/1/2025 to 31/12/2025121 |
| Key figures in € millionAttributable to non-controlling interests | 1/1/2025 to 31/12/2025 – |
| Key figures in € millionBasic (=diluted) earnings per share in € | 1/1/2025 to 31/12/20251.29 |
| Key figures in € million of which from continued operations in € | 1/1/2025 to 31/12/20251.29 |