TALANX AG (TLX.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:TLX - DE000TLX1005 - Common Stock
110.9 EUR
+0.2 (+0.18%)
We assign a fundamental rating of 5 out of 10 to TLX. TLX was compared to 48 industry peers in the Insurance industry. TLX has only an average score on both its financial health and profitability. TLX has a correct valuation and a medium growth rate.
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.
Each year in the past 5 years TLX had a positive operating cash flow.
1.2 Ratios
TLX has a Return On Assets (1.27%) which is comparable to the rest of the industry.
TLX's Return On Equity of 19.07% is amongst the best of the industry. TLX outperforms 83.33% of its industry peers.
TLX's Return On Invested Capital of 2.55% is fine compared to the rest of the industry. TLX outperforms 75.00% 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 2.58%.
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 81.25% of its industry peers.
TLX's Profit Margin has improved in the last couple of years.
The Operating Margin of TLX (11.43%) 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.
Compared to 5 years ago, TLX has more shares outstanding
Compared to 1 year ago, TLX has an improved debt to assets ratio.
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's Debt to FCF ratio of 0.99 is amongst the best of the industry. TLX outperforms 89.58% 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 (0.66) which 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
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.
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 12.23% on average per year.
TLX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.13% yearly.
EPS Next Y18.59%
EPS Next 2Y12.77%
EPS Next 3Y10.91%
EPS Next 5Y12.23%
Revenue Next Year7.32%
Revenue Next 2Y6.85%
Revenue Next 3Y6.68%
Revenue Next 5Y6.13%
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.67, which indicates a correct valuation of TLX.
Based on the Price/Earnings ratio, TLX is valued a bit cheaper than 64.58% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.11, TLX is valued rather cheaply.
With a Price/Forward Earnings ratio of 11.33, the valuation of TLX can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as TLX.
When comparing the Price/Forward Earnings ratio of TLX to the average of the S&P500 Index (36.21), we can say TLX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.67 | ||
| Fwd PE | 11.33 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TLX is valued cheaply inside the industry as 93.75% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.61 | ||
| 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.
PEG (NY)0.68
PEG (5Y)0.79
EPS Next 2Y12.77%
EPS Next 3Y10.91%
5. Dividend
5.1 Amount
TLX has a Yearly Dividend Yield of 2.42%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.47, TLX is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.32, TLX has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.42% |
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
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 2Y12.77%
EPS Next 3Y10.91%
FRA:TLX (12/2/2025, 11:30:09 AM)
110.9
+0.2 (+0.18%)
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 Cap28.64B
Revenue(TTM)49.20B
Net Income(TTM)2.26B
Analysts71.11
Price Target119.34 (7.61%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.42% |
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)1.15%
PT rev (3m)3.39%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.35%
EPS NY rev (3m)2.89%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.67 | ||
| Fwd PE | 11.33 | ||
| P/S | 0.58 | ||
| P/FCF | 3.61 | ||
| P/OCF | 3.61 | ||
| P/B | 2.42 | ||
| P/tB | 2.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.75
EY7.89%
EPS(NY)9.79
Fwd EY8.83%
FCF(TTM)30.74
FCFY27.72%
OCF(TTM)30.74
OCFY27.72%
SpS190.53
BVpS45.89
TBVpS37.1
PEG (NY)0.68
PEG (5Y)0.79
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 Y18.59%
EPS Next 2Y12.77%
EPS Next 3Y10.91%
EPS Next 5Y12.23%
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 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 6 / 10 to TALANX AG (TLX.DE). This can be considered as Fairly Valued.
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 4 / 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 18.59% in the next year.