TALANX AG (TLX.DE) Stock Fundamental Analysis
FRA:TLX - Deutsche Boerse Ag - DE000TLX1005 - Common Stock - Currency: EUR
Overall TLX gets a fundamental rating of 5 out of 10. We evaluated TLX against 34 industry peers in the Insurance industry. There are concerns on the financial health of TLX while its profitability can be described as average. TLX is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
TLX had positive earnings in the past year.
TLX had a positive operating cash flow in the past year.
TLX had positive earnings in each of the past 5 years.
In the past 5 years TLX always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 1.10%, TLX perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
TLX's Return On Equity of 16.95% is fine compared to the rest of the industry. TLX outperforms 67.65% of its industry peers.
TLX's Return On Invested Capital of 2.37% is fine compared to the rest of the industry. TLX outperforms 79.41% of its industry peers.
The Average Return On Invested Capital over the past 3 years for TLX is in line with the industry average of 2.22%.
The last Return On Invested Capital (2.37%) for TLX is above the 3 year average (2.01%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 16.95% | ||
| ROIC | 2.37% |
ROA(3y)0.83%
ROA(5y)0.67%
ROE(3y)13.42%
ROE(5y)11.18%
ROIC(3y)2.01%
ROIC(5y)1.54%
1.3 Margins
TLX has a worse Profit Margin (4.36%) than 73.53% of its industry peers.
In the last couple of years the Profit Margin of TLX has grown nicely.
TLX has a Operating Margin (11.69%) which is comparable to the rest of the industry.
TLX's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.69% | ||
| PM (TTM) | 4.36% | ||
| GM | N/A |
OM growth 3Y30.02%
OM growth 5Y12.39%
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.
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.
Looking at the Debt to FCF ratio, with a value of 0.99, TLX belongs to the top of the industry, outperforming 88.24% of the companies in the same industry.
A Debt/Equity ratio of 0.72 indicates that TLX is somewhat dependend on debt financing.
TLX's Debt to Equity ratio of 0.72 is on the low side compared to the rest of the industry. TLX is outperformed by 64.71% of its industry peers.
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 | 0.72 | ||
| 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 23.33% 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 been growing slightly by 7.22% in the past year.
The Revenue has been growing slightly by 3.92% on average over the past years.
EPS 1Y (TTM)23.33%
EPS 3Y24.17%
EPS 5Y15.96%
EPS Q2Q%16.63%
Revenue 1Y (TTM)7.22%
Revenue growth 3Y2.14%
Revenue growth 5Y3.92%
Sales Q2Q%5.54%
3.2 Future
TLX is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.89% yearly.
TLX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.63% yearly.
EPS Next Y11.74%
EPS Next 2Y9.46%
EPS Next 3Y8.39%
EPS Next 5Y2.89%
Revenue Next Year6.58%
Revenue Next 2Y6.09%
Revenue Next 3Y7.05%
Revenue Next 5Y8.63%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.98, which indicates a correct valuation of TLX.
TLX's Price/Earnings ratio is in line with the industry average.
TLX is valuated cheaply when we compare the Price/Earnings ratio to 28.79, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 11.56, the valuation of TLX can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TLX is on the same level as its industry peers.
TLX is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.98 | ||
| Fwd PE | 11.56 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TLX is valued cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.04 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of TLX may justify a higher PE ratio.
PEG (NY)1.11
PEG (5Y)0.81
EPS Next 2Y9.46%
EPS Next 3Y8.39%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.78%, TLX has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.70, TLX is paying slightly less dividend.
TLX's Dividend Yield is comparable with the S&P500 average which is at 2.47.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.78% |
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 Years2
Div Non Decr Years5
5.3 Sustainability
57.51% of the earnings are spent on dividend by TLX. This is a bit on the high side, but may be sustainable.
The dividend of TLX is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP57.51%
EPS Next 2Y9.46%
EPS Next 3Y8.39%
FRA:TLX (4/25/2025, 7:00:00 PM)
99.4
+0.9 (+0.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners8.49%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap25.67B
Analysts52.31
Price Target95.81 (-3.61%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.78% |
Yearly Dividend4.4
Dividend Growth(5Y)7.68%
DP57.51%
Div Incr Years2
Div Non Decr Years5
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)8.27%
PT rev (3m)11.71%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.18%
EPS NY rev (3m)4.77%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.98 | ||
| Fwd PE | 11.56 | ||
| P/S | 0.57 | ||
| P/FCF | 3.04 | ||
| P/OCF | 3.04 | ||
| P/B | 2.2 | ||
| P/tB | 2.74 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.66
EY7.71%
EPS(NY)8.6
Fwd EY8.65%
FCF(TTM)32.65
FCFY32.84%
OCF(TTM)32.65
OCFY32.84%
SpS175.7
BVpS45.16
TBVpS36.31
PEG (NY)1.11
PEG (5Y)0.81
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 16.95% | ||
| ROCE | 3.03% | ||
| ROIC | 2.37% | ||
| ROICexc | 2.44% | ||
| ROICexgc | 2.91% | ||
| OM | 11.69% | ||
| PM (TTM) | 4.36% | ||
| GM | N/A | ||
| FCFM | 18.58% |
ROA(3y)0.83%
ROA(5y)0.67%
ROE(3y)13.42%
ROE(5y)11.18%
ROIC(3y)2.01%
ROIC(5y)1.54%
ROICexc(3y)2.07%
ROICexc(5y)1.58%
ROICexgc(3y)2.43%
ROICexgc(5y)1.88%
ROCE(3y)2.57%
ROCE(5y)1.96%
ROICexcg growth 3Y35.04%
ROICexcg growth 5Y15.27%
ROICexc growth 3Y37.11%
ROICexc growth 5Y16.53%
OM growth 3Y30.02%
OM growth 5Y12.39%
PM growth 3Y22.43%
PM growth 5Y12.06%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.25
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | 0.99 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 23.15 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 426.4% | ||
| 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)23.33%
EPS 3Y24.17%
EPS 5Y15.96%
EPS Q2Q%16.63%
EPS Next Y11.74%
EPS Next 2Y9.46%
EPS Next 3Y8.39%
EPS Next 5Y2.89%
Revenue 1Y (TTM)7.22%
Revenue growth 3Y2.14%
Revenue growth 5Y3.92%
Sales Q2Q%5.54%
Revenue Next Year6.58%
Revenue Next 2Y6.09%
Revenue Next 3Y7.05%
Revenue Next 5Y8.63%
EBIT growth 1Y39.2%
EBIT growth 3Y32.8%
EBIT growth 5Y16.79%
EBIT Next Year11.9%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y4.14%
FCF growth 3Y-5.16%
FCF growth 5Y4.37%
OCF growth 1Y4.14%
OCF growth 3Y-5.69%
OCF growth 5Y3.87%