TALANX AG (TLX.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:TLX - DE000TLX1005 - Common Stock
112.8 EUR
+0.2 (+0.18%)
TLX gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 47 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on TLX.
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.
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 (1.27%) which is in line with its industry peers.
TLX has a better Return On Equity (19.07%) than 78.72% of its industry peers.
With a decent Return On Invested Capital value of 2.55%, TLX is doing good in the industry, outperforming 74.47% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for TLX is in line with the industry average of 2.76%.
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
TLX has a worse Profit Margin (4.59%) than 78.72% of its industry peers.
In the last couple of years the Profit Margin of TLX has grown nicely.
TLX has a Operating Margin (11.43%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of TLX has grown nicely.
| 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.
The number of shares outstanding for TLX has been increased compared to 5 years ago.
TLX has a better debt/assets ratio than last year.
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.
TLX has a Debt to FCF ratio of 0.99. This is amongst the best in the industry. TLX outperforms 87.23% of its industry peers.
A Debt/Equity ratio of 0.66 indicates that TLX is somewhat dependend on debt financing.
TLX has a Debt to Equity ratio of 0.66. This is in the lower half of the industry: TLX underperforms 61.70% 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 | 0.66 | ||
| 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.
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.
TLX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.48%.
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 12.23% 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 6.13% on average per year.
EPS Next Y22.26%
EPS Next 2Y16.78%
EPS Next 3Y12.78%
EPS Next 5Y12.23%
Revenue Next Year6.12%
Revenue Next 2Y5.91%
Revenue Next 3Y6.02%
Revenue Next 5Y6.13%
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.
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
Based on the Price/Earnings ratio of 12.89, the valuation of TLX can be described as correct.
65.96% of the companies in the same industry are more expensive than TLX, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.38. TLX is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.75, which indicates a very decent valuation of TLX.
The rest of the industry has a similar Price/Forward Earnings ratio as TLX.
TLX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.89 | ||
| Fwd PE | 10.75 |
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 93.62% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.67 | ||
| EV/EBITDA | N/A |
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 12.78% in the coming years.
PEG (NY)0.58
PEG (5Y)0.81
EPS Next 2Y16.78%
EPS Next 3Y12.78%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.40%, TLX has a reasonable but not impressive dividend return.
TLX's Dividend Yield is slightly below the industry average, which is at 3.97.
Compared to an average S&P500 Dividend Yield of 1.87, TLX pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
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.
The dividend of TLX is growing, but earnings are growing more, so the dividend growth is sustainable.
DP57.04%
EPS Next 2Y16.78%
EPS Next 3Y12.78%
FRA:TLX (12/19/2025, 7:00:00 PM)
112.8
+0.2 (+0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners10.89%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap29.13B
Revenue(TTM)49.20B
Net Income(TTM)2.26B
Analysts73.33
Price Target121.38 (7.61%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
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)2.88%
PT rev (3m)3.63%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.1%
EPS NY rev (3m)6.08%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.12%
Revenue NY rev (3m)-1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.89 | ||
| Fwd PE | 10.75 | ||
| P/S | 0.59 | ||
| P/FCF | 3.67 | ||
| P/OCF | 3.67 | ||
| P/B | 2.46 | ||
| P/tB | 3.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.75
EY7.76%
EPS(NY)10.5
Fwd EY9.31%
FCF(TTM)30.74
FCFY27.25%
OCF(TTM)30.74
OCFY27.25%
SpS190.53
BVpS45.89
TBVpS37.1
PEG (NY)0.58
PEG (5Y)0.81
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 Y22.26%
EPS Next 2Y16.78%
EPS Next 3Y12.78%
EPS Next 5Y12.23%
Revenue 1Y (TTM)11.48%
Revenue growth 3Y2.14%
Revenue growth 5Y3.92%
Sales Q2Q%17.21%
Revenue Next Year6.12%
Revenue Next 2Y5.91%
Revenue Next 3Y6.02%
Revenue Next 5Y6.13%
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 of TALANX AG (TLX.DE) 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.
What is the financial health of TALANX AG (TLX.DE) stock?
The financial health rating of TALANX AG (TLX.DE) is 3 / 10.
What is the expected EPS growth for TALANX AG (TLX.DE) stock?
The Earnings per Share (EPS) of TALANX AG (TLX.DE) is expected to grow by 22.26% in the next year.