TALANX AG (TLX.DE) Stock Fundamental Analysis
Europe - FRA:TLX - DE000TLX1005 - Common Stock
107.4 EUR
-0.4 (-0.37%)
TLX gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 39 industry peers in the Insurance industry. TLX has an average financial health and profitability rating. TLX has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year TLX was profitable.
TLX had a positive operating cash flow in the past year.
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 better Return On Assets (1.27%) than 64.10% of its industry peers.
With an excellent Return On Equity value of 19.07%, TLX belongs to the best of the industry, outperforming 84.62% of the companies in the same industry.
TLX has a better Return On Invested Capital (2.55%) than 79.49% 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 2.36%.
The last Return On Invested Capital (2.55%) for TLX is above the 3 year average (1.87%), which is a sign of increasing profitability.
| 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
TLX's Profit Margin of 4.59% is on the low side compared to the rest of the industry. TLX is outperformed by 76.92% of its industry peers.
TLX's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 11.43%, TLX perfoms like the industry average, outperforming 46.15% of the companies in the same industry.
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
The number of shares outstanding for TLX remains at a similar level compared to 1 year ago.
TLX has more shares outstanding than it did 5 years ago.
The debt/assets ratio for TLX has been reduced compared to a year ago.
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 92.31% of the companies in the same industry.
TLX has a Debt/Equity ratio of 0.66. This is a neutral value indicating TLX is somewhat dependend on debt financing.
The Debt to Equity ratio of TLX (0.66) is comparable to the rest of the industry.
Even though the debt/equity ratio score it not favorable for TLX, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| 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
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.
Measured over the past years, TLX shows a small growth in Revenue. The Revenue has been growing by 3.92% on average per year.
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
Based on estimates for the next years, TLX will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.57% on average per year.
TLX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.58% yearly.
EPS Next Y18.17%
EPS Next 2Y13.07%
EPS Next 3Y10.67%
EPS Next 5Y9.57%
Revenue Next Year7.32%
Revenue Next 2Y6.85%
Revenue Next 3Y6.68%
Revenue Next 5Y5.58%
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
Based on the Price/Earnings ratio of 12.27, the valuation of TLX can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of TLX indicates a somewhat cheap valuation: TLX is cheaper than 69.23% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.67, TLX is valued rather cheaply.
A Price/Forward Earnings ratio of 10.91 indicates a reasonable valuation of TLX.
TLX's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of TLX to the average of the S&P500 Index (23.33), we can say TLX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.27 | ||
| Fwd PE | 10.91 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TLX is valued cheaply inside the industry as 92.31% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.49 | ||
| 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.
TLX has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.68
PEG (5Y)0.77
EPS Next 2Y13.07%
EPS Next 3Y10.67%
5. Dividend
5.1 Amount
TLX has a Yearly Dividend Yield of 2.46%.
With a Dividend Yield of 2.46, TLX pays less dividend than the industry average, which is at 4.55. 82.05% of the companies listed in the same industry pay a better dividend than TLX!
Compared to an average S&P500 Dividend Yield of 2.35, 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 2Y13.07%
EPS Next 3Y10.67%
FRA:TLX (10/24/2025, 12:10:19 PM)
107.4
-0.4 (-0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners10.58%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap27.73B
Revenue(TTM)49.20B
Net Income(TTM)2.26B
Analysts71.11
Price Target117.98 (9.85%)
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)0.73%
PT rev (3m)5.15%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)2.53%
EPS NY rev (3m)5.76%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.27 | ||
| Fwd PE | 10.91 | ||
| P/S | 0.56 | ||
| P/FCF | 3.49 | ||
| P/OCF | 3.49 | ||
| P/B | 2.34 | ||
| P/tB | 2.89 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.75
EY8.15%
EPS(NY)9.84
Fwd EY9.16%
FCF(TTM)30.74
FCFY28.62%
OCF(TTM)30.74
OCFY28.62%
SpS190.53
BVpS45.89
TBVpS37.1
PEG (NY)0.68
PEG (5Y)0.77
Graham Number95.05
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%
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 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 Y18.17%
EPS Next 2Y13.07%
EPS Next 3Y10.67%
EPS Next 5Y9.57%
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 5Y5.58%
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%