TALANX AG (TLX.DE) Stock Fundamental Analysis

FRA:TLX • DE000TLX1005

104 EUR
-1.5 (-1.42%)
Last: Feb 12, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

Overall TLX gets a fundamental rating of 5 out of 10. We evaluated TLX against 43 industry peers in the Insurance industry. While TLX is still in line with the averages on profitability rating, there are concerns on its financial health. TLX is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year TLX was profitable.
  • In the past year TLX had a positive cash flow from operations.
  • In the past 5 years TLX has always been profitable.
  • Each year in the past 5 years TLX had a positive operating cash flow.
TLX.DE Yearly Net Income VS EBIT VS OCF VS FCFTLX.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

1.2 Ratios

  • TLX's Return On Assets of 1.27% is in line compared to the rest of the industry. TLX outperforms 53.49% of its industry peers.
  • The Return On Equity of TLX (19.07%) is better than 72.09% of its industry peers.
  • TLX has a Return On Invested Capital of 2.55%. This is in the better half of the industry: TLX outperforms 69.77% of its industry peers.
  • TLX had an Average Return On Invested Capital over the past 3 years of 1.87%. This is in line with the industry average of 2.92%.
  • The 3 year average ROIC (1.87%) for TLX is below the current ROIC(2.55%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.27%
ROE 19.07%
ROIC 2.55%
ROA(3y)0.83%
ROA(5y)0.67%
ROE(3y)13.42%
ROE(5y)11.18%
ROIC(3y)1.87%
ROIC(5y)1.45%
TLX.DE Yearly ROA, ROE, ROICTLX.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 4.59%, TLX is doing worse than 79.07% of the companies in the same industry.
  • In the last couple of years the Profit Margin of TLX has grown nicely.
  • Looking at the Operating Margin, with a value of 11.43%, TLX is in line with its industry, outperforming 44.19% of the companies in the same industry.
  • In the last couple of years the Operating Margin of TLX has grown nicely.
Industry RankSector Rank
OM 11.43%
PM (TTM) 4.59%
GM N/A
OM growth 3Y29.76%
OM growth 5Y12.25%
PM growth 3Y22.43%
PM growth 5Y12.06%
GM growth 3YN/A
GM growth 5YN/A
TLX.DE Yearly Profit, Operating, Gross MarginsTLX.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • TLX has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for TLX has been increased compared to 5 years ago.
  • The debt/assets ratio for TLX has been reduced compared to a year ago.
TLX.DE Yearly Shares OutstandingTLX.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
TLX.DE Yearly Total Debt VS Total AssetsTLX.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

2.2 Solvency

  • The Debt to FCF ratio of TLX is 0.99, which is an excellent value as it means it would take TLX, only 0.99 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 0.99, TLX belongs to the best of the industry, outperforming 86.05% of the companies in the same industry.
  • A Debt/Equity ratio of 0.66 indicates that TLX is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.66, TLX is not doing good in the industry: 62.79% of the companies in the same industry are doing better.
  • Although TLX does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 0.99
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
TLX.DE Yearly LT Debt VS Equity VS FCFTLX.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TLX.DE Yearly Current Assets VS Current LiabilitesTLX.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • TLX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.13%, which is quite impressive.
  • Measured over the past years, TLX shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.96% on average per year.
  • Looking at the last year, TLX shows a quite strong growth in Revenue. The Revenue has grown by 11.48% in the last year.
  • The Revenue has been growing slightly by 3.92% on average over the past years.
EPS 1Y (TTM)22.13%
EPS 3Y24.17%
EPS 5Y15.96%
EPS Q2Q%25.96%
Revenue 1Y (TTM)11.48%
Revenue growth 3Y2.14%
Revenue growth 5Y3.92%
Sales Q2Q%17.21%

3.2 Future

  • The Earnings Per Share is expected to grow by 10.86% on average over the next years. This is quite good.
  • TLX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.47% yearly.
EPS Next Y22.64%
EPS Next 2Y17.09%
EPS Next 3Y12.96%
EPS Next 5Y10.86%
Revenue Next Year3.93%
Revenue Next 2Y4.6%
Revenue Next 3Y4.97%
Revenue Next 5Y4.47%

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
TLX.DE Yearly Revenue VS EstimatesTLX.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20B 40B 60B 80B
TLX.DE Yearly EPS VS EstimatesTLX.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5 10 15

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.89, the valuation of TLX can be described as reasonable.
  • TLX's Price/Earnings ratio is a bit cheaper when compared to the industry. TLX is cheaper than 60.47% of the companies in the same industry.
  • TLX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.67.
  • Based on the Price/Forward Earnings ratio of 9.85, the valuation of TLX can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, TLX is valued a bit cheaper than the industry average as 69.77% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.69, TLX is valued rather cheaply.
Industry RankSector Rank
PE 11.89
Fwd PE 9.85
TLX.DE Price Earnings VS Forward Price EarningsTLX.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 93.02% of the companies in the same industry are more expensive than TLX, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.38
EV/EBITDA N/A
TLX.DE Per share dataTLX.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of TLX may justify a higher PE ratio.
  • A more expensive valuation may be justified as TLX's earnings are expected to grow with 12.96% in the coming years.
PEG (NY)0.52
PEG (5Y)0.74
EPS Next 2Y17.09%
EPS Next 3Y12.96%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.48%, TLX has a reasonable but not impressive dividend return.
  • TLX's Dividend Yield is slightly below the industry average, which is at 4.23.
  • Compared to an average S&P500 Dividend Yield of 1.80, TLX pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.48%

5.2 History

  • On average, the dividend of TLX grows each year by 7.68%, which is quite nice.
Dividend Growth(5Y)7.68%
Div Incr Years1
Div Non Decr Years6
TLX.DE Yearly Dividends per shareTLX.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

  • TLX pays out 57.04% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • TLX's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP57.04%
EPS Next 2Y17.09%
EPS Next 3Y12.96%
TLX.DE Yearly Income VS Free CF VS DividendTLX.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B
TLX.DE Dividend Payout.TLX.DE Dividend Payout, showing the Payout Ratio.TLX.DE Dividend Payout.PayoutRetained Earnings

More info and screens

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TALANX AG

FRA:TLX (2/12/2026, 7:00:00 PM)

104

-1.5 (-1.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-13
Earnings (Next)02-10
Inst Owners14.14%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap26.86B
Revenue(TTM)49.20B
Net Income(TTM)2.26B
Analysts72
Price Target127.16 (22.27%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.48%
Yearly Dividend4.4
Dividend Growth(5Y)7.68%
DP57.04%
Div Incr Years1
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)7.78%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)3.78%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.16%
Valuation
Industry RankSector Rank
PE 11.89
Fwd PE 9.85
P/S 0.55
P/FCF 3.38
P/OCF 3.38
P/B 2.27
P/tB 2.8
EV/EBITDA N/A
EPS(TTM)8.75
EY8.41%
EPS(NY)10.55
Fwd EY10.15%
FCF(TTM)30.74
FCFY29.56%
OCF(TTM)30.74
OCFY29.56%
SpS190.53
BVpS45.89
TBVpS37.1
PEG (NY)0.52
PEG (5Y)0.74
Graham Number95.05
Profitability
Industry RankSector Rank
ROA 1.27%
ROE 19.07%
ROCE 3.27%
ROIC 2.55%
ROICexc 2.63%
ROICexgc 3.16%
OM 11.43%
PM (TTM) 4.59%
GM N/A
FCFM 16.13%
ROA(3y)0.83%
ROA(5y)0.67%
ROE(3y)13.42%
ROE(5y)11.18%
ROIC(3y)1.87%
ROIC(5y)1.45%
ROICexc(3y)1.92%
ROICexc(5y)1.49%
ROICexgc(3y)2.27%
ROICexgc(5y)1.77%
ROCE(3y)2.39%
ROCE(5y)1.86%
ROICexgc growth 3Y34.77%
ROICexgc growth 5Y15.13%
ROICexc growth 3Y36.84%
ROICexc growth 5Y16.39%
OM growth 3Y29.76%
OM growth 5Y12.25%
PM growth 3Y22.43%
PM growth 5Y12.06%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.28
Health
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 0.99
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 25.22
Cash Conversion N/A
Profit Quality 351.24%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)580.8%
Profit Quality(5y)727.22%
High Growth Momentum
Growth
EPS 1Y (TTM)22.13%
EPS 3Y24.17%
EPS 5Y15.96%
EPS Q2Q%25.96%
EPS Next Y22.64%
EPS Next 2Y17.09%
EPS Next 3Y12.96%
EPS Next 5Y10.86%
Revenue 1Y (TTM)11.48%
Revenue growth 3Y2.14%
Revenue growth 5Y3.92%
Sales Q2Q%17.21%
Revenue Next Year3.93%
Revenue Next 2Y4.6%
Revenue Next 3Y4.97%
Revenue Next 5Y4.47%
EBIT growth 1Y37.51%
EBIT growth 3Y32.53%
EBIT growth 5Y16.65%
EBIT Next Year19.86%
EBIT Next 3Y10.15%
EBIT Next 5YN/A
FCF growth 1Y22.35%
FCF growth 3Y-5.16%
FCF growth 5Y4.37%
OCF growth 1Y18.76%
OCF growth 3Y-5.69%
OCF growth 5Y3.87%

TALANX AG / TLX.DE FAQ

What is the ChartMill fundamental rating of TALANX AG (TLX.DE) stock?

ChartMill assigns a fundamental rating of 5 / 10 to TLX.DE.


What is the valuation status for TLX stock?

ChartMill assigns a valuation rating of 7 / 10 to TALANX AG (TLX.DE). This can be considered as Undervalued.


Can you provide the profitability details for TALANX AG?

TALANX AG (TLX.DE) has a profitability rating of 6 / 10.


Can you provide the expected EPS growth for TLX stock?

The Earnings per Share (EPS) of TALANX AG (TLX.DE) is expected to grow by 22.64% in the next year.


Is the dividend of TALANX AG sustainable?

The dividend rating of TALANX AG (TLX.DE) is 5 / 10 and the dividend payout ratio is 57.04%.