TALANX AG (TLX.DE) Stock Fundamental Analysis
Europe - FRA:TLX - DE000TLX1005 - Common Stock
110 EUR
-2.3 (-2.05%)
Overall TLX gets a fundamental rating of 5 out of 10. We evaluated TLX against 43 industry peers in the Insurance industry. Both the profitability and the financial health of TLX get a neutral evaluation. Nothing too spectacular is happening here. TLX has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
TLX had positive earnings in the past year.
In the past year TLX had a positive cash flow from operations.
Each year in the past 5 years TLX has been profitable.
TLX had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
TLX has a Return On Assets of 1.27%. This is in the better half of the industry: TLX outperforms 62.79% of its industry peers.
Looking at the Return On Equity, with a value of 19.07%, TLX belongs to the top of the industry, outperforming 86.05% of the companies in the same industry.
TLX has a better Return On Invested Capital (2.55%) than 81.40% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for TLX is in line with the industry average of 2.26%.
The 3 year average ROIC (1.87%) for TLX is below the current ROIC(2.55%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
With a Profit Margin value of 4.59%, TLX is not doing good in the industry: 79.07% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of TLX has grown nicely.
TLX's Operating Margin of 11.43% is in line compared to the rest of the industry. TLX outperforms 41.86% of its industry peers.
TLX's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
Compared to 1 year ago, TLX has about the same amount of shares outstanding.
Compared to 5 years ago, TLX has more shares outstanding
TLX has a better debt/assets ratio than last year.
2.2 Solvency
TLX has a debt to FCF ratio of 0.99. This is a very positive value and a sign of high solvency as it would only need 0.99 years to pay back of all of its debts.
TLX has a Debt to FCF ratio of 0.99. This is amongst the best in the industry. TLX outperforms 90.70% of its industry peers.
TLX has a Debt/Equity ratio of 0.66. This is a neutral value indicating TLX is somewhat dependend on debt financing.
TLX's Debt to Equity ratio of 0.66 is in line compared to the rest of the industry. TLX outperforms 41.86% of its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 0.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 22.13% over the past year.
TLX shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.96% yearly.
The Revenue has grown by 11.48% in the past year. This is quite good.
TLX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.92% yearly.
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 9.67% on average over the next years. This is quite good.
Based on estimates for the next years, TLX will show a small growth in Revenue. The Revenue will grow by 5.67% on average per year.
EPS Next Y15.25%
EPS Next 2Y11.75%
EPS Next 3Y10.39%
EPS Next 5Y9.67%
Revenue Next Year7.32%
Revenue Next 2Y6.85%
Revenue Next 3Y6.68%
Revenue Next 5Y5.67%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
TLX is valuated correctly with a Price/Earnings ratio of 12.57.
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.
The average S&P500 Price/Earnings ratio is at 27.20. TLX is valued rather cheaply when compared to this.
TLX is valuated reasonably with a Price/Forward Earnings ratio of 11.44.
65.12% of the companies in the same industry are cheaper than TLX, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.71. TLX is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.57 | ||
| Fwd PE | 11.44 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TLX indicates a rather cheap valuation: TLX is cheaper than 95.35% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.58 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TLX's 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.
PEG (NY)0.82
PEG (5Y)0.79
EPS Next 2Y11.75%
EPS Next 3Y10.39%
5. Dividend
5.1 Amount
TLX has a Yearly Dividend Yield of 2.46%. Purely for dividend investing, there may be better candidates out there.
TLX's Dividend Yield is slightly below the industry average, which is at 4.56.
Compared to an average S&P500 Dividend Yield of 2.38, TLX has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
5.2 History
The dividend of TLX is nicely growing with an annual growth rate of 7.68%!
Dividend Growth(5Y)7.68%
Div Incr Years1
Div Non Decr Years6
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 2Y11.75%
EPS Next 3Y10.39%
FRA:TLX (9/16/2025, 7:00:00 PM)
110
-2.3 (-2.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners7.77%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap28.41B
Analysts71.11
Price Target117.13 (6.48%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
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)4.39%
PT rev (3m)7.99%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.15%
EPS NY rev (3m)3.15%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.75%
Revenue NY rev (3m)5.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.57 | ||
| Fwd PE | 11.44 | ||
| P/S | 0.58 | ||
| P/FCF | 3.58 | ||
| P/OCF | 3.58 | ||
| P/B | 2.4 | ||
| P/tB | 2.97 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.75
EY7.95%
EPS(NY)9.61
Fwd EY8.74%
FCF(TTM)30.74
FCFY27.95%
OCF(TTM)30.74
OCFY27.95%
SpS190.53
BVpS45.89
TBVpS37.1
PEG (NY)0.82
PEG (5Y)0.79
Profitability
| Industry Rank | Sector 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%
ROICexcg growth 3Y34.77%
ROICexcg 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 Rank | Sector 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 Y15.25%
EPS Next 2Y11.75%
EPS Next 3Y10.39%
EPS Next 5Y9.67%
Revenue 1Y (TTM)11.48%
Revenue growth 3Y2.14%
Revenue growth 5Y3.92%
Sales Q2Q%17.21%
Revenue Next Year7.32%
Revenue Next 2Y6.85%
Revenue Next 3Y6.68%
Revenue Next 5Y5.67%
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%